What’s the fastest way to fail as a new broker—and what’s the one move that could save you?

In this no-punches-pulled episode, Ron Butler lays out what’s really happening in the mortgage industry right now—and what new brokers must do to survive it.

We cover everything from tech disruption and lender consolidation to why generalist brokers are getting crushed. If you’re building a mortgage business in 2025, this is required listening.

We’ll cover:

• Why Volume Isn’t Enough – What it means when the market grows 56%—and you don’t.
• The Tech Arms Race – How platforms like Nesto and Edison are quietly reshaping broker competition.
• The Myth of Blockchain – Ron’s take on crypto, NFTs, and whether any of it matters in our space.
• Specialize or Get Smoked – Why new brokers need to niche down yesterday.
• The Harsh Truth About Lender Trust – What lenders are watching—and what they won’t tolerate.

This industry isn’t slowing down. Brokers who win the next five years will do it by specializing, focusing, and executing. Everyone else? They’ll be gone.

To connect with Ron, check out the links below:

Instagram

https://www.butlermortgage.ca/

Follow me on Instagram: www.instagram.com/scottpeckford/

I Love Mortgage Brokering: www.ilovemortgagebrokering.com

Find out more about BRX Mortgage: www.whybrx.com

Subscribe to my 3-2-1 Thursday Email

I Love Mortgage Brokering is in partnership with Ownwell.

To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca/scott.

What if your struggle to focus isn’t a flaw—but a signal that you need better scaffolding to succeed?

If you’ve got ADD (or think you do), you’re not alone—especially in the mortgage space. In fact, entrepreneurs are 5–7x more likely to have ADHD than the general population.

In this solo episode, I walk through 5 tools that have helped me manage my focus and show up with energy and clarity. This isn’t a prescription—it’s what works for me. But if you’re constantly feeling distracted, overwhelmed, or underperforming, it might help you too.

• Morning Routine as Compass – Why I start each day with gratitude, goals, and reorientation—not just work.
• Scaffolding Through Team – How an EA, a COO, and role clarity help keep me operating in my zone of genius.
• Daily Exercise for Mental Reset – Why I work out after work to clear my head and show up better at home.
• Sleep as a Performance Tool – Why good sleep beats any hack or productivity system, hands down.
• Medication (and No Shame About It) – How going on a low dose of ADD meds helped me focus and show up better.

ADD isn’t a weakness—it’s wiring. With the right systems, team, and structure, it can be a strength. But don’t wing it. Build scaffolding that helps you thrive.

Follow me on Instagram: www.instagram.com/scottpeckford/

I Love Mortgage Brokering: www.ilovemortgagebrokering.com

Find out more about BRX Mortgage: www.whybrx.com

Subscribe to my 3-2-1 Thursday Email

I Love Mortgage Brokering is in partnership with Ownwell.

To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca.

What happens when you scale fast—but realize the business you’ve built no longer fits your life?

Joline Cloutier went from helping her husband with files part-time to funding 260 deals a year—just the two of them. But after burnout, a move to the cottage, and taking over the business solo, she knew something had to change.

In this episode, Joline shares how she’s rebuilding her business with better systems, a podcast, and more intention. If you're feeling the weight of growth without clarity, this episode will help you reset.

We’ll cover:

• Scaling Without Staff – How she and her husband handled 260 files a year—just the two of them.
• Burnout and Breaking Points – The cottage move that made her rethink how she wanted to work.
• Podcast as a Platform – Why she launched a podcast and how it helped her connect and convert.
• System Rebuild – Tools like Finmo, Gmail tags, and MyBrokerPro that support her new workflow.
• Content Without Pressure – Why she rarely posts about mortgages—and still gets referrals.

You can grow fast—but make sure you’re growing in the right direction. Joline’s story is proof that stepping back can be the first step forward.

To connect with Joline, check out the links below:

Instagram

Facebook The Money Buddha Podcast

https://www.iconmortgages.ca/

Follow me on Instagram: www.instagram.com/scottpeckford/

I Love Mortgage Brokering: www.ilovemortgagebrokering.com

Find out more about BRX Mortgage: www.whybrx.com

Subscribe to my 3-2-1 Thursday Email

I Love Mortgage Brokering is in partnership with Ownwell.

To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca.