Wave Money

Sam Ayliffe, director of Astute Financial Manly, has been in the industry for over two decades, where he has built and developed a successful broking business based on trust, referrals, and long-term client relationships. Bill Childs, founder of Limitless Lending Group, represents the next generation of brokers and who has scaled rapidly in just over a year generating leads through TikTok and Instagram, delivering a fresh approach and big ambitions.

The common barriers faced by self-employed borrowers when applying for finance include: Variable income: Cash flow fluctuations due to business cycles and project-based earnings make it harder to demonstrate serviceability. Complex financial structures: Intertwined personal and business finances through companies, trusts, and investment structures. Documentation requirements: Many lenders require extensive proof of income that doesn’t align with the way self-employed borrowers earn.

The conversation is free flowing and covers a range of relevant topics including: Flavell talks about his extensive 30-year career working in a range of roles across the mortgage lending industry and how that experience has shaped his strategy and approach when founding the Wave Money business. The differences between bank and non-bank lending and how Wave Money’s exclusive focus on the broker channel and delivering value to end customers sets it apart.