From supporting her father to founding and leading full-service finance business My Mortgage Concierge, Rebecca Morgan’s broking journey is grounded in family, strategy, and service.
Morgan (pictured above) didn’t enter the industry with a long-term plan—her motivation was family.
“When I joined the business in 2006 it was a way to support Dad, she said. “He was running both the accounting and finance sides of the business—when his health took a turn in 2014. I stepped in to lead the finance arm.”
Initially focused on serving existing accounting clients, the business soon grew through word of mouth.
“When I first took over, we were primarily helping our accounting clients with their property and finance needs,” Morgan said. “Over time, word spread. Our client base grew, and today, we’re proudly supporting the friends, families, and colleagues of those original clients.”
She formalised her broking career through mentorship and rebranding.
“I completed a two-year mentoring program, built the broking systems from scratch, and rebranded as My Mortgage Concierge when it became clear that we were doing far more than ‘just loans,’” Morgan said.
At the heart of her practice is a people-first philosophy.
“We walk with clients through their entire property journey,” Morgan said. “From the ‘Can we even do this?’ conversations to the ‘We got the keys!’ celebration, and all the messy, complicated questions in between.”
Morgan is heartened by the growth and diversity in the industry, especially among women.
“It has been wonderful seeing the number of females in the industry grow,” she said. “When I started in the game, I was often one of only a handful of females in the room.”
Morgan also welcomes digital innovation.
“I also welcome the technological enhancements and developments that we have seen in recent times,” she said. “These tools give me more time to speak with my clients and really get into strategy, solutions and adding value.”
For all the industry’s progress, Morgan sees opportunities for improvement—especially in professional development and lender relationships.
“As the industry grows, and we gain more market share, I'd like to see a lift in the professional standards of mortgage and finance brokers with a focus not just on the technical aspects of our role but also in the way we run our businesses,” she said.
“So many of my colleagues are new to small business and a support system with training that can help them succeed in the long term will be a positive addition to the offerings today. There are already some great mentors out there helping people with this and I’d love to see this expanded and made more accessible for those starting out.”
Morgan also highlighted the need to improve how brokers and major lenders collaborate.
“I think more can be done to encourage lenders and brokers to be business partners, rather than competitors,” she said.
For Morgan, one of the most powerful lessons in leadership has been learning to step back.
“One of the most challenging—and ultimately rewarding—lessons I’ve learned in my career is the importance of letting go and trusting others,” she said.
“I’ll admit, I have a tendency to want to control every detail, especially when it comes to client outcomes. Some might even call me a bit of a control freak. But as my business grew, it became clear that I couldn’t do it all on my own—and more importantly, I didn’t have to.
“I’ve been fortunate to build an incredible team around me, and one of the most memorable shifts in my mindset has been learning to step back and allow them to take the lead. It hasn’t always been easy, but I’ve realised that empowering my team not only helps them grow professionally, it also ensures our clients receive the consistent, high-quality, customer-focused service we’re known for.
“The biggest lesson? Letting go doesn’t mean losing control—it means creating the space for others to shine, and in doing so, strengthening the business as a whole.”
Morgan's message for newcomers is simple: relationships first.
“Absolutely—my biggest piece of advice is to focus on relationships, not just transactions,” she said. “My clients aren’t just a spreadsheet. They’re parents, business owners, carers, newly divorced, newly pregnant, freshly migrated… and usually overwhelmed.
“Being a successful broker isn’t just about knowing interest rates and loan products; it’s about truly understanding your clients, their goals, and their fears. I walk with them. I troubleshoot. I demystify. I coordinate with other professionals. I treat every application like it matters — because it does.”
And when things get tough?
“And finally, to succeed you need to believe in yourself,” Morgan said. “The early years can be tough, but if you stay focused on service and delivering great outcomes, the trust you build will carry your business forward.”
