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What to make a difference to the Mortgage and Finance Industry? If you are interested in joining a Mortgage Originator who is creating the future in home lending, read through these pages today to explore the options available. "When I have asked this question of myself, I suddenly recall years of working with people who started out scared and are now legends. Of enduring the highs and lows that come with running your own business. It all comes flooding back and I am excited all over again. It is a passion for what we do. In order to answer the question you have to understand the culture." The culture of Provincial Home Loans is one of passion. A passionate belief in the ability of individuals to shape their own destiny. That, with a guiding hand, it is possible as a small business person to compete and win against the biggest business operators in Australia - the banks. The culture of passion is something beyond compromise, because without it you will not truly succeed - not just in this venture, but in anything that you do. One of our Licensed Contractors sends our Managing Director e-mails, and such is our history, he signs them off "Love..." The amazing thing is that this is not strange, but totally appropriate with the relationship that has developed. You see, being a part of the extended family of Provincial Home Loans is something special. It is not about being treated like a child, quite the contrary - you operate your own business and as such you have accountabilities. We are not there to wipe your nose for you. What we are there for is to be the best business partner you can find, with experience, talent and strength to lend a hand where and when it is most needed. If you are the type of person Provincial Home Loans is looking for, you will already know that the key to lending and building a referring customer base is about delivering on 99% of the simple things, not just the 1% of big things that will come and test all relationships. So Provincial Home Loans is about passion. A quote from a leading Mortgage Banker in the US found in a motivational magazine sums up Provincial Home Loans' ideals: "If the love of what you are doing exceeds the labour of doing it...
Success is inevitable." - Bob Beers |
There are two types of people that have been successful with Provincial Home Loans. The first type is a seasoned, well-known industry professional lender. Our Managing Director has this background, as do three of our top five Licensees. The other group are passionate, charismatic, self-starters - the same core attributes as the first group, but who have come to the industry cold and weathered the pain of learning the intricacies of lending and succeeded magnificently. We do not look for the second type so much as they find us. The answer to why would you want to become a Licensee is, therefore, very easy - because you would love it. The following points are great reasons to join our company - but without passion, without the burning desire to achieve, what follows is unimportant. Great remuneration is a key ingredient to creating a successful business environment. This is not just the amount, although the size of the payment is important, it is also critically about the timing of payments. We know what it is like to build a business from scratch - it takes money. - We pay on time every time. It is a company policy that cleared funds are in our Licensees' accounts by 2.30pm on the payment dates. No compromise.
- We pay a loyalty bonus that is a percentage of the total volume of loans settled by the Licensee each month. This bonus creates an annuity income for future years, making the choice to be part of Provincial Home Loans a long-term investment with very material benefits.
- Our payment system is designed to be simple. Our outsourced Database Company gives us the hard facts and we prepare a Recipient Created Tax Invoice for the Licensee, who cross checks to their records, then we pay. Simplicity is important in this area.
If you are a lender and you believe in your ability, then the question you must ask is can we deliver. Delivery encompasses a chain of events, and is a strong part and passionate belief of Provincial Home Loans that it is a "must", not a "should", issue. - Approvals run within 48-hour turnaround delivered via e-mail.
- We don't miss settlements, that's it!
- If we say we are going to do it, it will be done
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Quality product is one of those statements that seems hardly worth saying, because who would say they had the worst products? We offer major bank funded product at cutting edge pricing, we have a fee free product all the time, and we offer loan accounts with 100% offset facilities for savings. The other thing we do is constantly refresh and negotiate better arrangements, and have direct input with the banks we deal with to create changes to products that will help at the coal face of sales. That's our commitment. We give you access to Big Partners. With our relationships and volume of loan approvals, you are part of a major player in the market. We meet with the General Managers of the lenders we work with, and we provide you with the sort of back up you will need in this market in years to come. We are accredited Originators with ANZ Bank, Westpac, Pepper Homeloans and FirstMac. We could have arrangements with any bank we desire that offers Origination programs however we believe too many lenders may simply confuse the issue, and adds nothing to real choice - so we keep our lenders tight and look around regularly to make sure we are still with the market leaders. At the same time we expect and deliver loyalty with our lenders, and seek to build long term mutually beneficial relationships. We provide industry know-how through our vast experience. Our Managing Director is one of the leading strategic thinkers in finance in this country, and has a hands on sales background in the industry as well. In addition to operating a successful growth company in a competitive environment, the management team have performed motivational presentations, produced a long standing radio piece for commercial radio, and are now involved heavily in the leading edge business systems that technology can deliver, including e-commerce facilities on the Internet. Provincial Home Loans and its management are respected in the industry as innovative and success-oriented, producing outstanding results for the company. As with all things in life, timing is important in business. As the Mortgage Origination industry goes through the huge changes that smaller margins and increased competition will bring, it is very important to not only be at the right place at the right time, but to know what to do as well. We have a plan that is working very well, and we feel we have a greater understanding of where the industry is heading than any other Originator. As McDonald's made the change from late night hang out for the young in California in the 1960s to a family restaurant format, the rest of the industry was happy to pick up the wild late crowd they gave away. Thirty years later a sound strategy has paid off. We feel the Mortgage Industry is in the same situation - it has always been our strategy to know our customers and make decisions about the quality of our associations. Good quality lending business is about integrity of purpose. Quality of association is a major factor in success literature. If you pick your partners well, then the opportunities that will arise will be better opportunities. We believe this to be possibly Provincial's strongest suit. Again it is an issue of respect - for yourself and for those you choose to be associated with. We are fussy. Competition, Integrity and Value have always been our creed. The integrity component goes to our ability to know right from wrong, and to do the right thing. This is not always the easy option, and Provincial is not a soft touch. We make the right calls whether they are pleasant or unpleasant - that is our commitment. Honest communication; we'll call it as we see it and listen to all sides, but we will make a decision and get on with the business of life and the life of our business. We seek like minded individuals and companies. An obvious thing that we could not leave out is that we don't charge for our Licenses. Other comparative organisations charge up to $35,000 for a License to operate under their agreements. This is a key strategy. We seek people who add value to our collective strength, not a cash flow injection. You should know nothing is ever free, if you come aboard as a Provincial Home Loans Licensee you will be expected to put in hard. We have high standards for sales success, and we also expect you to learn our simple systems quickly, and contribute to your success by developing plans and strategies for success - not just hoping it will happen. We also add value by allowing you to achieve one of the gold bricks of business development - you get to take advantage of other peoples mistakes already made; namely ours. After reading this, if you still want to be part of our inspired and successful team then tell us about yourself, your aspirations, desires, and experience or qualities you feel you would bring to the task. We will get back to you and discuss the possibility. Begin a lifetime journey with partners who understand that it is this journey rather than the destination that makes it the most important thing it can be - an experience that brings that rare and most sought after commodity in working life, happiness. "Anyone fortunate enough to read this, has been approached by, or is interested in Provincial Home Loans as a business opportunity. And what a business opportunity it is. Some of the many advantages to working as a contractor are: - You get back-up support from Provincial Home Loans,
- Quick payment for work done, plus ongoing annuity that gives you the chance to set income up for life with no limit on your income stream (you get out what you put in),
- A chance to run your own business with back-up and support,
- The opportunity to involve your partner in your business.
This opportunity will help anyone to achieve short, medium and long term goals. I hope this helps make a good decision easier." - Rod Ryan "In my opinion Provincial Home Loans are the best Mortgage Origination Company to be associated with, because of their reputation in the industry together with the incredible level of support they give me as a Licensee. "One of the great things is it is my business that I am running, I make my own decisions, and can develop my business to grow as I want in fact it is the best of both worlds. "With Provincial's innovative payment structure, it is possible to operate my own business without an overdraft. The ongoing monthly loyalty bonuses confirm the fact that my decision to become a Licensee with Provincial Home Loans was the right one. In the seventeen months that I have been with Provincial I have earned much more than I could possible have dreamed to earn in the banking system, and I am on track for my plan to increase my income each year. "Mortgage Origination is an exciting and evolving business, and you don't often get the opportunity to be in on the ground floor. I am thankful to John for giving me this opportunity of a lifetime." - Julianne Brewer |
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