What if the business you’re building is serving your ego, but not your actual life?

This episode will originally air on The Money Buddha Podcast on Thursday, hosted by Joline Cloutier, who we had on the recent episode 677 of the pod. We’re resharing this conversation here because it was too good not to.

Joline interviewed me about rebuilding a mortgage business after burnout, letting go of the hustle-for-hustle's-sake mindset, and how to create systems and content that match your energy, not your ego. It’s an honest, practical look at what it really takes to build a business that supports your life.

What We Cover:

• Burnout at the Peak – What 260 files a year taught her about limits and sustainability.
• Letting Go of the Hustle Persona – Why ego-driven growth nearly cost her everything.
• Ditching Discovery Calls – How automation and self-booking freed up her time.
• Content Without Comparison – Why she stopped forcing mortgage content and started being real.
• The Money Buddha Podcast – How podcasting gave her a voice, platform, and purpose.

You don’t need a bigger business, you need a business that fits your life. Joline’s story is a blueprint for brokers who want to grow with intention, not ego.

To connect with Joline, check out the links below:

Instagram

Facebook

iconmortgages.ca/

The Money Buddha Podcast

Follow me on Instagram: www.instagram.com/scottpeckford/

I Love Mortgage Brokering: www.ilovemortgagebrokering.com

Find out more about BRX Mortgage: www.whybrx.com

Subscribe to my email list, Peckford's Playbook

I Love Mortgage Brokering is in partnership with Ownwell.

To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca/scott.

What if the key to growing your mortgage business isn’t complicated—just consistent?

In this episode, I sit down with Scott McCracken, a former bank specialist who transitioned into the broker world and found a game-changing strategy hiding in plain sight: personalized 25-second video messages.

Scott reveals how he used short daily outreach—via DMs, calls, and voicemails—to generate over $10M in business. No fancy tech. No gimmicks. Just a phone, a clear message, and a commitment to showing up every day.

If you’re struggling to stay top of mind or looking for a repeatable system that actually moves the needle, this one’s for you.

What We Cover:

• From Banker to Broker – Why Scott left the bank and how the broker channel opened up new opportunities.
• Video DMs That Work – The exact 25-second script Scott used to reconnect with his network and generate leads.
• Game of Phones – How turning prospecting into a competition changed everything for Scott’s consistency and mindset.
• Planting Seeds That Pay Off – Why you shouldn’t worry about replies and what really matters in relationship-based sales.
• Simple System, Massive ROI – How 4–5 hours of weekly prospecting turned into a $100K+ bump in commissions.

You don’t need more tools. You need more consistency. Show up daily with a clear message, and you’ll stay top of mind when it matters most.

Follow me on Instagram: www.instagram.com/scottpeckford/

I Love Mortgage Brokering: www.ilovemortgagebrokering.com

Find out more about BRX Mortgage: www.whybrx.com

Subscribe to my email list, Peckford's Playbook

I Love Mortgage Brokering is in partnership with Ownwell.

To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca/scott

What’s the fastest way to fail as a new broker—and what’s the one move that could save you?

In this no-punches-pulled episode, Ron Butler lays out what’s really happening in the mortgage industry right now—and what new brokers must do to survive it.

We cover everything from tech disruption and lender consolidation to why generalist brokers are getting crushed. If you’re building a mortgage business in 2025, this is required listening.

We’ll cover:

• Why Volume Isn’t Enough – What it means when the market grows 56%—and you don’t.
• The Tech Arms Race – How platforms like Nesto and Edison are quietly reshaping broker competition.
• The Myth of Blockchain – Ron’s take on crypto, NFTs, and whether any of it matters in our space.
• Specialize or Get Smoked – Why new brokers need to niche down yesterday.
• The Harsh Truth About Lender Trust – What lenders are watching—and what they won’t tolerate.

This industry isn’t slowing down. Brokers who win the next five years will do it by specializing, focusing, and executing. Everyone else? They’ll be gone.

To connect with Ron, check out the links below:

Instagram

https://www.butlermortgage.ca/

Follow me on Instagram: www.instagram.com/scottpeckford/

I Love Mortgage Brokering: www.ilovemortgagebrokering.com

Find out more about BRX Mortgage: www.whybrx.com

Subscribe to my 3-2-1 Thursday Email

I Love Mortgage Brokering is in partnership with Ownwell.

To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca/scott.

What if your struggle to focus isn’t a flaw—but a signal that you need better scaffolding to succeed?

If you’ve got ADD (or think you do), you’re not alone—especially in the mortgage space. In fact, entrepreneurs are 5–7x more likely to have ADHD than the general population.

In this solo episode, I walk through 5 tools that have helped me manage my focus and show up with energy and clarity. This isn’t a prescription—it’s what works for me. But if you’re constantly feeling distracted, overwhelmed, or underperforming, it might help you too.

• Morning Routine as Compass – Why I start each day with gratitude, goals, and reorientation—not just work.
• Scaffolding Through Team – How an EA, a COO, and role clarity help keep me operating in my zone of genius.
• Daily Exercise for Mental Reset – Why I work out after work to clear my head and show up better at home.
• Sleep as a Performance Tool – Why good sleep beats any hack or productivity system, hands down.
• Medication (and No Shame About It) – How going on a low dose of ADD meds helped me focus and show up better.

ADD isn’t a weakness—it’s wiring. With the right systems, team, and structure, it can be a strength. But don’t wing it. Build scaffolding that helps you thrive.

Follow me on Instagram: www.instagram.com/scottpeckford/

I Love Mortgage Brokering: www.ilovemortgagebrokering.com

Find out more about BRX Mortgage: www.whybrx.com

Subscribe to my 3-2-1 Thursday Email

I Love Mortgage Brokering is in partnership with Ownwell.

To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca.

What happens when you scale fast—but realize the business you’ve built no longer fits your life?

Joline Cloutier went from helping her husband with files part-time to funding 260 deals a year—just the two of them. But after burnout, a move to the cottage, and taking over the business solo, she knew something had to change.

In this episode, Joline shares how she’s rebuilding her business with better systems, a podcast, and more intention. If you're feeling the weight of growth without clarity, this episode will help you reset.

We’ll cover:

• Scaling Without Staff – How she and her husband handled 260 files a year—just the two of them.
• Burnout and Breaking Points – The cottage move that made her rethink how she wanted to work.
• Podcast as a Platform – Why she launched a podcast and how it helped her connect and convert.
• System Rebuild – Tools like Finmo, Gmail tags, and MyBrokerPro that support her new workflow.
• Content Without Pressure – Why she rarely posts about mortgages—and still gets referrals.

You can grow fast—but make sure you’re growing in the right direction. Joline’s story is proof that stepping back can be the first step forward.

To connect with Joline, check out the links below:

Instagram

Facebook The Money Buddha Podcast

https://www.iconmortgages.ca/

Follow me on Instagram: www.instagram.com/scottpeckford/

I Love Mortgage Brokering: www.ilovemortgagebrokering.com

Find out more about BRX Mortgage: www.whybrx.com

Subscribe to my 3-2-1 Thursday Email

I Love Mortgage Brokering is in partnership with Ownwell.

To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca.

What if the fastest way to grow your mortgage business isn’t learning more—but finally fixing what’s holding you back?

Most mortgage events are packed with speakers who don’t broker and ideas you’ll never use. That’s why we created Broker Talks—a different kind of event built by brokers, for brokers.

In this episode, I walk through the real reason we launched Broker Talks, the framework that guides it, and how this format is helping brokers solve their #1 constraint—whether it’s leads, people, or process.

If you’re stuck between $10M and $15M—or just want better ideas from people in the trenches—this is the event (and the episode) for you.

We’ll cover:

• Why Traditional Conferences Fail – The problem with speaker-led events (and why we flipped the script).
• The Triangle Framework – The simple tool we use to diagnose any broker bottleneck fast.
• Real Talk from Real Brokers – Why Broker Talks is built on peer sharing, not stage presentations.
• Idea Babies and Table Wins – How collaboration creates breakthroughs you won’t get from keynotes.
• What Happens in the Room – Why just being there puts you ahead of 90% of brokers.

You don’t need another conference—you need a solution. Broker Talks is where serious brokers go to solve real problems, together.

Follow me on Instagram: www.instagram.com/scottpeckford/

I Love Mortgage Brokering: www.ilovemortgagebrokering.com

Find out more about BRX Mortgage: www.whybrx.com

Subscribe to my 3-2-1 Thursday Email

I Love Mortgage Brokering is in partnership with Ownwell.

To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca/scott.

What if the pressure to be the expert for everyone is what’s holding you back the most?

Alisha Manning spent years behind the scenes underwriting over a billion dollars in mortgages for top producers—until burnout and addiction forced her to hit pause and rebuild everything.

In this honest, powerful episode, she shares how working 12+ hour days led to personal collapse—and how recovery, clarity, and better systems helped her come back stronger as a broker running her own business.

If you’ve been pushing too hard for too long, this is your permission to reset.

What We Cover:

• Templates That Scale – How email templates and simple systems protect your time and energy.
• Docs Up Front, No Apologies – Why setting expectations early builds trust and filters in better clients.
• The Real Cost of Hustle – Alisha’s story of overwork, burnout, and a hidden gambling addiction.
• Recovery Habits That Work – How daily routines and gratitude helped her rebuild her life and business.
• Leading with Honesty – Why she now builds her business on transparency—and why clients love it.

Being the expert doesn’t mean doing it all. Boundaries, systems, and honesty are what make this business sustainable—and worth building.

To connect with Alisha, check out the links below: Instagram Facebook LinkedIn

Follow me on Instagram: www.instagram.com/scottpeckford/

I Love Mortgage Brokering: www.ilovemortgagebrokering.com

Find out more about BRX Mortgage: www.whybrx.com

Subscribe to my 3-2-1 Thursday Email

I Love Mortgage Brokering is in partnership with Ownwell.

To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca/scott.

What if the biggest threat to your long-term success is the way you’re prioritizing today?

In this episode, I break down a powerful mental trap called hyperbolic discounting— a hidden habit where we consistently choose short-term rewards over long-term gains.

From skipping important business projects to clients picking bad mortgage terms for a lower rate today, this bias shows up everywhere. I’ll share what it is, how to spot it, and what I personally do to protect future Scott from present Scott’s worst instincts.

What We Cover:

• Why We Set Big Goals and Still Procrastinate – How your brain tricks you into short-term decisions that hurt your future.
• Mortgage Clients Do This Too – The psychology behind picking a bad mortgage to save a few bucks now.
• The Homer Simpson Problem – Why "future you" keeps getting stuck cleaning up "current you’s" mess.
• My 23-Year Vision Trick – How visualizing my 70-year-old self helps me stay focused today.
• How to Override the Bias – A simple morning routine that changed how I work, think, and plan.

You don’t have to be perfect— you just have to be intentional. Start showing up for your future self today, and you’ll thank yourself tomorrow.

Follow me on Instagram: www.instagram.com/scottpeckford/

I Love Mortgage Brokering: www.ilovemortgagebrokering.com

Find out more about BRX Mortgage: www.whybrx.com

Subscribe to my 3-2-1 Thursday Email

I Love Mortgage Brokering is in partnership with Ownwell.

To see how top brokers are keeping clients engaged and generating leads from their database, visit ownwell.ca/scott.