Mix of culture, skill and experience an ideal match

Jun Xu

With five years’ lending and insurance experience, 32-year-old Canberran, Jun Xu, transitioned from bank employee to self-employed mortgage adviser – and he chose Smartline to support his new venture.

After extensive research, long discussions with his family, and in-depth comparisons of a range of factors, including income, work hours, fees, in-house business support services, and more, Jun selected Smartline as his franchise of choice.

“Compared with my career with the bank, I have much more flexibility and if I work hard I know that I’ll have a greater potential to earn a substantial income,” he said.

Jun describes working under the Smartline umbrella like being part of a big family.

“There is so much support!” he says. “I’m not alone and I don’t have to worry about things like IT and marketing because I have ready access to a helpful team of experts to support me in these matters.”

After joining Smartline in March 2014, Jun settled his first loan within four weeks and already having $5 million in lending in the pipeline, he’s well on the way to meeting his goal to build a loan book worth more than $200 million within five years. His aspirational goal is to position himself among the top 10 mortgage advisers within Smartline’s network.

“It won’t be easy, but nothing worthwhile ever is,” he says.


Jun’s tips for getting started in your business:

Focus on having good time management.

As you establish yourself as a mortgage adviser, you’ll find there are many different things to do on a daily and weekly basis. It’s important to organise your time well for your own work-life balance and to ensure you’re offering a good service to clients.

Work hard and smart.

Working hard is about going the ‘extra mile’ for clients and taking the time to meet with them face to face so that you can truly understand their needs. Working smart is about the processes you use to manage and prioritise your tasks and diary. If you get this right, your day will run smoothly.

Keep smiling – adopt a positive mental attitude.

When we think in a positive way, it’s reflected in the way we act. Our clients see this, and they are happy too.