Co-founder Testimonial Donut, Founderoo + Kaddim. Design at Lumiant.

Kaddim handles document collection for Australian mortgage brokers. The part of the job that takes hours but earns you nothing. Request documents, send automated reminders, review everything in one place, and auto-rename files to your naming convention.

"The ability to rename files to our own naming convention is a massive time saver. For this feature alone I will continue to use this service." – Peter Tersteeg, Sage Leading Solutions

"I won't ever go back to sending manual checklists!" – Deanna Ezzy, More Than Mortgages

I'm not here for a hard sell. If document admin is eating your time, let's connect. Always happy to talk about how to get those hours back.

Guy Ligertwood 🍩

I spoke to a bunch of Australian mortgage brokers in the last month.

Lots of brokers had a similar problem.
Document collection eats time.

Chasing clients via email. 
Reminders that don't get sent. 
Files uploaded as IMG_4738.jpg instead of Smith_Payslip_Jan2025.pdf
Google reviews not getting asked for

Their VA spends hours fixing it.
That's not what you hired them for.

Some brokers use FileInvite and they're happy with it.

That's good for us. 
Means our software is heavily validated. 
We just need to overtake them (FileInvite).

Farzan and I built Kaddim (soon to be Brokerdocs) to do exactly that.

We're early. 
We have demos every week. 
We're looking for feedback more than we are to sell.

The software has to fit the broker to make it work.

We built this from the ground up. 
Me, Farzan and our 2 engineers own the business.

The brokers using it? 
Churn doesn't seem to happen. 

David vs Goliath.

Our focus on the Australian mortgage broker market is our superpower.

We're in for the long haul.

#mortgagebroker #homeloans #brokertools

---------------------

I'm Guy. I've built a document collection & file renaming tool for Australian mortgage brokers with Farzan Maghami. It speeds up your document collection and frees up your VA for more important work.

Guy Ligertwood

Designer building mortgage broker software

If you've ever grown a business only to lose a bunch of money and come back and go again, this post's for you.

2002. Edinburgh. No vehicle. Just a vacuum cleaner, a bucket of cleaning supplies. Me and my wife Sandrita.

We'd board the bus to our first cleaning jobs for Bluestone Cleaning. That was us. Founders on the number 23.

Fast forward to peak Bluestone: 50 employees, multiple vans, £750,000 in annual revenue. 

That professional cleaning company look. We'd made it.

Here's what nobody tells you about "making it", the more successful you look, the more you spend looking successful. 

Bigger office. Better equipment. That professional polish.

Then 2009 hit. The GFC. Our customers, often builders and developers, started going under. They owed us money. A lot of money.

I'd taken £125,000 out of my house, thinking I could pay it back.

I couldn't.

Liquidation. That's the word you never think you'll use about something you built from nothing.

16 years later from that heartache, I'm back on the bus. An Australian one, not a Scottish one.

Farzan and I are building Kaddim (soon to be brokerdocs). Document collection software for Australian mortgage brokers, and we're starting lean again. But mentally, I'm back in that headspace.

When you're carrying a vacuum on the 23 bus, you spend nothing unless it's absolutely necessary. 

Every pound works twice. You stay lean.

That scrappy version of me built something from zero. 

The polished version lost £125,000 trying to look the part.

23 years later, starting again, I know which version I need to be.

Australian mortgage broker document collection needs a person.

But that person shouldn't be chasing.

They shouldn't be:
- Sending the 4th reminder email
- Wondering which client is holding things up
- Renaming all the files

They should be overseeing.
Not doing the heavy lifting.

Request. Remind. Review. Rename. Relax.

----------------------

I'm Guy. I've built a document collection & file renaming tool for Australian mortgage brokers with Farzan Maghami. It speeds up your document collection and frees up your VA for more important work.

#mortgagebroker #homeloans #brokertools

founderoo

Talks about #founders, #startups, #uxdesign, #entrepreneurs, and #productdesign

Building Products & Studying Entrepreneurs

Aidan Hartley

Home Loan Officer

Owl Home Loans

Getting home loans approved (with 98.3% success rate)

Mortgage Broker & Director

St.George Bank

Senior Home Loans Manager

Intelligent Finance - Australia's #1 Mortgage Broker

Home Loans Manager

Great Southern Bank

Home Loans Team Manager

The broker for first home buyers - helping you keep more of your time, money and sanity. Home loans, Investment, Refinance.

There's 22,031 mortgage brokers in Australia

Home buyers chose me to get their home loan approved because;

🎯 They access my 98.3% home loan approval record

🏠 They have choice of 53 lenders, meaning you can access the best offers

🦉 They leverage my experience of over 13 years in home lending, helping over 3,000 Aussies into their homes

🌱 They love that we plant 5 trees for every home loan 

🏦 You'll have access to; CBA, ANZ, Westpac, NAB, Suncorp, Bankwest, St George, Ubank, ING, Macquarie, ME, Bendigo.... the list goes on and on.

☎️ Let's begin - book a chat, or message me on LinkedIn 

🙋🏼‍♂️ About Me - I'm a home owner, I'm a property investor (9 properties). I'll organise and set up your loan as if it were my own.

Married, two cats, one dog.


You must be bored if you're still reading...

Fun fact - you can typically shave off 5.5 years from a 30 year home loan, just by paying it weekly or fortnightly, instead of monthly. 
Crazy hey!

Mortgage Broker & Owner

Getting home loans approved (with over 98% success)

How I paid-off my first Sydney unit by 33 (and bought with just 3% deposit)

My secret isn't complex

I didn't

- live off baked beans
- have a massive salary
- refinance every 6 months
- attend 'wealth creation' seminars
- get help from bank of mum & dad

I did

- buy a property within my means
- cut out the crap spending
- use an offset account
- smart debt recycling
- avoid bad debt

I've since used the equity to buy my Sydney house, which is now also paid off 

And leveraged that to buy a total of 10 quality properties (none of this regional $150k druggie town / flood zone crap)

P.s. my mortgage broking business exists to help you do the same, if you so choose.

The broker for first home buyers - Saving your time, money... and sanity. *Open to media and podcast opportunities*

I've used these 4 banks for my home loans:

(they got me to $10M property portfolio)

1st) Commonwealth Bank - Because I banked with them. Didn't really know what a broker did. Big error, cost me $1,000s

But, quickly made $150k equity, which allowed me to pull out the cash, and buy again.

2nd) St.George Bank - I was an employee, so could buy with 10% deposit and LMI waived

Bought my first investment with them.

3rd) Suncorp Bank - Locked in a 1.79% fixed rate with a refinance (ahhh those were the days!)

4th) NAB - allowed me to easily borrow as self-employed with high commission, scaled the property portfolio - just bought my 'forever' home!

Honestly... it's highly unlikely just one bank will help you climb the property ladder.

You purchase a home 2-3 times in your life

I do 2-3 purchases, per day.

Who do you think is better at picking the bank that will actually approve your loan?

---

My name is Aidan, and I get home loans approved standing on my head.

30, 40 or 50 year home loan term? It makes no difference 

You're going to pay it off in 5 years anyway 

Probably less.


Chances are, in two to five years you'll either:

A) Refinance to another bank

OR 

B) Sell the property (to upgrade)

So, just get whatever loan suits you at the time to acquire the property.

Because even if we get to 50 year loans

45 of them won't matter.

Swap 7pm mates for 7am mates 👍

w/ Matt Spears at Bondi this morning

The 10 Commandents for First Home Buyers: 

I) You don't need a 20% deposit

II) The best loans are the ones you're eligible for

III) Explore every single way to avoid LMI, but pay it if you must

IV) Never provide more documents than the bank requires

V) Pick the fast bank when purchasing

VI) Offset and redraw are not the same, get the offset

VII) View your credit history before applying

VIII) Always get the loan pre-approved first

IX) Pick a specialist first home buyer broker 

X) Thou shalt not skip thy property checks 🙏

If I can get myself to 10 properties...

I can (probably) get you to 1 🤷🏼‍♂️

This will spin your head - but AVOID applying with the bank you do your banking with 

The reason is simple:

They have years of your spending habits

They have too much information mate.

Yet, most banks these days DON'T require to see your transaction statements... 👀

maaate - buy the property BEFORE you buy the fancy car

My first home buyer was about to go to auction - but she didn't know she could save $30k

She's buying in Sydney, so stamp duty is fully waived up to $800k

BUT she was thinking the property might go for $805k...

So she thought the WHOLE stamp duty would then be applicable 

We ran the calculations, and the stamp duty is reduced from $31k, to just $1k

Because - she still gets a first home stamp duty reduction, when buying between $800k and $1m.

That extra few $k's could get you the property (and dissuade other FHBs you're competing against 😉)

p.s. she ended up winning the auction on this knowledge...

That money you salary-sacrificed to Super...

You can use it to buy your first home 🤯

Steps to see how much you can use:

- Log into MyGov
- Open ATO
- Click 'Super'
- Click 'Manage'
- Click 'First Home Saver'
- Click 'Start Determination'

Scroll down, and you'll be able to see the funds you can withdraw for your first home deposit 👌

taplio

The Battle

Guy Ligertwood 🍩

Aidan Hartley

Followers

Posts

Engagements

Likes

Performance ScoreGuy Ligertwood 🍩's LinkedIn Performance

Performance ScoreAidan Hartley's LinkedIn Performance

Ready to grow your LinkedIn presence?

taplio

The Battle

Guy Ligertwood 🍩

Aidan Hartley

Followers

Posts

Engagements

Likes

Performance Score.css-goub6s{font-size:var(--chakra-fontSizes-md);font-weight:500;color:var(--chakra-colors-gray-600);display:block;margin-top:var(--chakra-space-1);}Guy Ligertwood 🍩's LinkedIn Performance

Performance ScoreAidan Hartley's LinkedIn Performance

Ready to grow your LinkedIn presence?

Performance ScoreGuy Ligertwood 🍩's LinkedIn Performance