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.

What if the fastest way to grow your mortgage business isn’t learning more—but finally fixing what’s holding you back?

Most mortgage events are packed with speakers who don’t broker and ideas you’ll never use. That’s why we created Broker Talks—a different kind of event built by brokers, for brokers.

In this episode, I walk through the real reason we launched Broker Talks, the framework that guides it, and how this format is helping brokers solve their #1 constraint—whether it’s leads, people, or process.

If you’re stuck between $10M and $15M—or just want better ideas from people in the trenches—this is the event (and the episode) for you.

We’ll cover:

• Why Traditional Conferences Fail – The problem with speaker-led events (and why we flipped the script).
• The Triangle Framework – The simple tool we use to diagnose any broker bottleneck fast.
• Real Talk from Real Brokers – Why Broker Talks is built on peer sharing, not stage presentations.
• Idea Babies and Table Wins – How collaboration creates breakthroughs you won’t get from keynotes.
• What Happens in the Room – Why just being there puts you ahead of 90% of brokers.

You don’t need another conference—you need a solution. Broker Talks is where serious brokers go to solve real problems, together.

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 the pressure to be the expert for everyone is what’s holding you back the most?

Alisha Manning spent years behind the scenes underwriting over a billion dollars in mortgages for top producers—until burnout and addiction forced her to hit pause and rebuild everything.

In this honest, powerful episode, she shares how working 12+ hour days led to personal collapse—and how recovery, clarity, and better systems helped her come back stronger as a broker running her own business.

If you’ve been pushing too hard for too long, this is your permission to reset.

What We Cover:

• Templates That Scale – How email templates and simple systems protect your time and energy.
• Docs Up Front, No Apologies – Why setting expectations early builds trust and filters in better clients.
• The Real Cost of Hustle – Alisha’s story of overwork, burnout, and a hidden gambling addiction.
• Recovery Habits That Work – How daily routines and gratitude helped her rebuild her life and business.
• Leading with Honesty – Why she now builds her business on transparency—and why clients love it.

Being the expert doesn’t mean doing it all. Boundaries, systems, and honesty are what make this business sustainable—and worth building.

To connect with Alisha, check out the links below: Instagram Facebook LinkedIn

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 the biggest threat to your long-term success is the way you’re prioritizing today?

In this episode, I break down a powerful mental trap called hyperbolic discounting— a hidden habit where we consistently choose short-term rewards over long-term gains.

From skipping important business projects to clients picking bad mortgage terms for a lower rate today, this bias shows up everywhere. I’ll share what it is, how to spot it, and what I personally do to protect future Scott from present Scott’s worst instincts.

What We Cover:

• Why We Set Big Goals and Still Procrastinate – How your brain tricks you into short-term decisions that hurt your future.
• Mortgage Clients Do This Too – The psychology behind picking a bad mortgage to save a few bucks now.
• The Homer Simpson Problem – Why "future you" keeps getting stuck cleaning up "current you’s" mess.
• My 23-Year Vision Trick – How visualizing my 70-year-old self helps me stay focused today.
• How to Override the Bias – A simple morning routine that changed how I work, think, and plan.

You don’t have to be perfect— you just have to be intentional. Start showing up for your future self today, and you’ll thank yourself tomorrow.

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.

How do inflation trends south of the border shape the mortgage rates your clients get here in Canada?

In this episode, I sit down with mortgage expert Dave Larock to unpack how U.S. inflation is impacting Canadian fixed rates—and what brokers should be watching as we head into a volatile rate environment.

Dave’s insight helps you make sense of the data, explain it clearly to clients, and offer advice that stands out in a sea of speculation.

What We Cover:

• Why Fixed Rates Are Rising – Even as central banks talk about cutting.
• US Inflation Spillover – How the American economy quietly influences Canadian borrowing costs.
• BoC Rate Cut Outlook – Why Dave still thinks we’ll see more cuts in 2024.
• Fixed vs. Variable Strategy – What he recommends in today’s market and why.
• Two Bold Housing Solutions – Dave’s ideas to make Canadian housing more affordable.

Rates move fast—but your advice doesn’t have to. When you understand what’s driving the changes, you can lead with clarity and confidence.

To connect with Dave, check out the links below:

Instagram

LinkedIn

https://www.morplan.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.

Are you building your mortgage business on solid systems—or flying blind?

In this episode, I share a simple 4-question test that reveals exactly how organized (or disorganized) you are—and what that means for your business.

Inspired by a private lender’s “French Fry Test,” I break down the broker equivalent. If you can’t answer these questions in under 60 seconds, you’re leaving money on the table and working way harder than you should.

What We Cover:

• The French Fry Test – How one lender predicted financial struggles by counting fries—and why that matters for your files.
• The 4 Broker Questions – The simple questions that expose gaps in your business organization.
• Why Organization = Scale – Why you’ll never scale a leaky bucket—and how to fix it fast.
• Past Client Blind Spot – Why most brokers don’t know how many clients they’ve served—or when they last reached out.
• Real Talk – How a failed business venture taught me just how widespread this problem really is.

You can’t fix what you’re not tracking. Get organized, get clear, and your business will grow faster—with less stress.

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.