Mortgage Broker Broadcast
Developing your knowledge to help you build a successful Mortgage Broker business. Craig Skelton shares his thoughts and experiences on all aspects of mortgage advice covering everything from operating in the banking world, estate agency based advisers all the way up to working as a self employed broker. He will be joined by experts from within the industry and other business sectors which all play a key part in becoming a successful mortgage broker in the modern world.
Mortgage Broker Broadcast
Building a Mortgage Business That Lasts: Goal Setting for Long-Term Success
September brings that back-to-school energy—a perfect moment to reset, refocus, and chart your course for the months ahead. After the summer lull, it's time to think about how you want your mortgage broker business to look by December 2025.
Most brokers live deal-to-deal in an industry where everything changes overnight—rates shift, criteria evolve, and client circumstances transform without warning. This reactive approach leaves you perpetually treading water. But what if you could build a business that not only survives these fluctuations but genuinely thrives through them?
True resilience isn't gritting your teeth and powering through. It's developing adaptability and bounce-back capacity that turns challenges into growth opportunities. This begins with a simple yet powerful mindset shift: focus exclusively on what's within your control (your planning, reactions, and systems) while accepting what isn't (market conditions, underwriter decisions). The energy wasted on uncontrollable factors is energy stolen from meaningful progress.
Want practical ways to strengthen your resilience muscle? Start by setting micro-goals alongside your bigger ambitions—small weekly wins that build momentum. Schedule just 10 minutes each week for honest reflection on what worked and what didn't. Protect your energy by taking genuine breaks (and no, scrolling social media doesn't count). Connect with other brokers who understand your challenges—sometimes a quick conversation resets your entire perspective.
Ready to finish 2025 stronger than ever? Review your year-end goals now, break them into monthly milestones, and schedule strategic thinking time in your calendar. Remember, running your own race doesn't mean running alone. What's one small step you could take this week toward your December 2025 vision? Your future self will thank you for starting today.
Looking for one to one mentoring, visit my website to see how it works craigskelton.co.uk
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Hi and welcome to this week's the Mortgage Broker broadcast. I'm your host, craig Skelton, and beginning of September already, so I hope you had a chance to recharge over the summer holidays. September for me always feels like a fresh start, a chance to refocus and set the tone for the rest of the year, and this week's podcast is a solo episode. We've had quite a few guests recently, quite a few guests over August, and we've still got some guest episodes coming up in September. But today's a solo one and I wanted to talk about long-term resilience and goal setting and how to build a business that not only survives the ups and downs but also thrives over the long haul too.
Speaker 0:So why do long-term goals matter? Well, in our industry, everything moves fast. We rates change, lender criteria changes, client circumstances change overnight, and if you're only thinking from deal to deal, you always feel like you're just treading water, and that's why long-term goals matter so much to give you that guiding light that keeps you on course when the challenges hit and, as we know, the challenges will certainly come. As a self-employed broker and business owner. But long term doesn't have to mean something that's the next decade, right now, as we head into the last four months of the year, you need to be asking yourself what impact do I want to have by the 31st of December 2025? It could be hitting a specific revenue target, or building a referral partnership that you've been procrastinating on, or finally getting your marketing systems or AI into your business too. Your year-end goals are powerful because they're close enough to feel urgent, but far enough away to require planning. So my recommendation would be start by defining one or two outcomes that would make you proud to look back on at the end of 2025, and then work backwards from there. What has to happen in October, november, december to get you where you want to be? And then breaking goals down into quarterly and monthly milestones stops you from getting overwhelmed and gives you a clear roadmap. It also forces you to prioritise, too. If a task doesn't move you towards your ambition, maybe it's something you can defer, get rid of or delegate, and to make these goals stick, you need to tie them to your values. Maybe your why is to spend more time with your family or grow a team or make a bigger difference in your clients for financial lives. Goals rooted in your values give you more motivation when things get tough, and they help you decide where to say yes and where to say no, which then leads on to building resilience.
Speaker 0:Resilience isn't about powering through everything with gritted teeth and determination. It's about building the capacity to adapt and bounce back. That starts with your mindset. In a sense, it's sort of like focus on what's within your control your planning, your business, your reactions, your attitude and accept what isn't in your control, like lender criteria, rate movements, underwriter decisions, clients that go. The more energy you waste on things you cannot influence, the less you have for what really. So how do you do that?
Speaker 0:Well, here's a few practical ways to strengthen resilience as we crack on towards the end of the year. The first thing to do is set micro goals In addition to year-end targets. Pick one or two small wins that you can achieve every single week. Whatever that looks like to you, it doesn't really matter. Just each small win builds confidence and momentum, which then moves on to the second thing, which is schedule regular reflection. Take 10 minutes at the end of each week to ask yourself and be honest with yourself as well what's worked, what didn't work, what will I do differently next week? Reflection turns experience into insights and stops you repeating the same mistakes. And the third thing is protect your energy.
Speaker 0:Long hours are sometimes unavoidable I absolutely get that but burnout is optional. Make sure you're taking breaks, moving your body, going out for a walk, getting from behind that desk and switching off. And that doesn't mean sitting with your phone and scrolling through social media. It means take a break. So, like I said, go for a walk and really detach and really switch off, because a rest advisor, a rested business owner, makes better decisions and recovers faster from setbacks. And the fourth thing is connect with others. Don't do this alone. You're not on your own about this. You're not in isolation. I've talked enough about isolation on other podcasts. You're not on your own. Talk to other brokers or a mentor, somebody who gets it when you feel stuck. Sometimes a quick chat, a vent, a rant, whatever you want to call it can reset your perspective and even spark new ideas as well.
Speaker 0:You can also practice negative visualization. So what is negative visualization? Well, this is a bit of a classic tool and, briefly just to explain, imagine a deal falling through. Imagine something not going the way you want to be. So imagine a deal falling through or a client saying no. That looks like. And then rehearse how you would respond calmly and constructively to that challenge and when these challenges happen in real life which they will you're mentally prepared for those negative and for those challenges, because, remember, resilience is a muscle the more you test, test it, the stronger it becomes. Challenges you encounter over the next few months and that will absolutely happen. We all know that those things will happen. It doesn't really matter what it looks like, because those challenges will happen. Whether it's from a business point of view or a personal point of view, they're all opportunities to build that muscle. So what can you do? So now it's about kickstarting your plan after your summer break. If you've been taking it easy over summer, then now is the perfect time to reset. So how to kickstart your year-end plan? So review and refine your year-end goals. Break them down into monthly milestones, schedule strategic thinking time into your diary. Use systems automation to free your brain. Free up your brain for the bigger picture. So that's it.
Speaker 0:That's today's the Mortgage Broker broadcast. That's this week's podcast. Just a quick reminder if you are looking for support in building these foundations, check out the broker foundry. It's a youtube channel that jonathan edema have created. I'm not going too much into on this podcast. He's been on the podcast a few times talking about it. I'll put a link in the show notes to about the broker family youtube channel so you can start to look and subscribe on there.
Speaker 0:And just before I wrap up, I wanted to share something for you, for those who are considering going self-employed as a mortgage broker. On my website, I've created three self-employed broker pathways to help you choose the route that fits your journey to freedom of being self-employed. So have a look at that. There's one pathway for new brokers, newly qualified, one for those that are looking to um build your own brand and business. And then the last one is about becoming an ar of my da network, so have a look at that as well. And the last one is about becoming an ar so and about becoming an appointed representative. So have a look at my website. Just got the information. Any questions you've gone gotten that? Please let me know. But all three paths emphasizeise trust, honesty, integrity and are designed to meet your needs wherever you are in your career. So that's it.
Speaker 0:That's this week's podcast on long-term resilience and goal setting. We felt inspired to take on action towards the end of the year and finish a year strong as well. If you found this podcast helpful, please share it, please leave a review, please subscribe, as always. Thanks for listening. Well, if you found this podcast helpful, please share it, please leave a review, please subscribe, as always. Thanks for listening. Have an amazing week and please don't forget to run your own race.