Broker in Focus: Rebecca Timms, Realise Home Loans

Broker in Focus is a dedicated series that highlights the unique journeys of mortgage brokers, providing them with a platform to share their experiences, insights, and expertise. Through compelling personal stories and professional reflections, each featured broker recounts the key moments that have shaped their careers, delves into the challenges and opportunities facing the industry today, and shares the valuable wisdom they have gained along the way.

MPA caught up with Rebecca Timms (pictured above), director of Realise Home Loans, whose journey into broking wasn’t a linear one. But it’s precisely this unconventional path that has shaped the way she serves her clients today – with empathy, empowerment, and an unshakable sense of purpose.

Full name: Rebecca Timms
Job title: Director and mortgage broker
Company: Realise Home Loans
Number of years in the industry: 1
Location: Mornington Peninsula, VIC

How and when did you become a mortgage broker?

My journey to becoming a mortgage broker wasn’t a straightforward one. I have a background in behaviour management, secondary teaching, and several years working in the finance industry. After going through a difficult personal period in my life, I realised I needed to take a step back and focus on my own wellbeing.

That’s when I made the decision to leave corporate life and move into a meditation centre, where I lived for six years. During that time, I explored my inner world, gaining a deeper understanding of myself and discovering a clear space of good feeling within.

From that space, the inspiration for Realise Home Loans was born. I wanted to combine my experience in finance with my desire to genuinely help people feel happier, more secure, and more empowered in their lives. Helping people find a sense of ease and confidence around their finances, while supporting them to realise their full potential, isn’t just fulfilling – it feels like my purpose.

In your opinion, what has been the most positive development in broking?

I believe that one of the most positive developments in broking has been the growing awareness and focus on mental health within the industry. This profession can be demanding – we manage tight deadlines, navigate complex challenges, and absorb the stress of the loan process so our clients don’t have to. It’s part of what makes broking rewarding, but it’s also why it’s so important to recognise the toll it can take.

I’ve been fortunate enough to participate in a number of events and initiatives aimed at supporting mental health and broker wellbeing. These initiatives build a sense of community and show brokers that they’re not alone, ultimately contributing to a healthier and more supportive industry.

What challenges do you see currently facing the industry, and what solutions would you propose?

One of the biggest challenges I see in the broking industry today is ensuring that the personal connection brokers provide isn’t lost in an increasingly digital world. Technology is becoming an incredible tool for streamlining processes – it’s making applications faster, more efficient, and easier to manage for both brokers and clients. But at the same time, there’s a risk that the human element, which is at the heart of what we do, could be overshadowed. Buying a home isn’t just a transaction; it’s an emotional journey, and clients need to feel seen, heard, and supported every step of the way.

I believe the solution lies in blending technology with genuine client connection. While digital tools can take care of the technical side, it’s the conversations, the empathy, and the understanding of a client’s unique story that truly builds trust. This is where we, as brokers, have an opportunity to stand out. By staying focused on meaningful relationships and clear, supportive communication, we can show clients that they’re not just another file or number – they’re real people whose goals and challenges genuinely matter to us.

Can you share a memorable or challenging experience from your career as a broker and the lessons you gained from it?

One of the most challenging yet rewarding experiences I’ve had as a broker is working with clients who aren’t yet in a position to buy their dream home. I initially saw this as delivering disappointing news or even as failing my client, which to be honest, was a very difficult feeling to sit with.

Over time, though, I’ve come to see these moments differently. What I’ve learned is that clarity is a powerful tool. Helping clients truly understand their current situation isn’t about closing a door – it’s about opening one. By becoming aware of where they stand, clients gain the power to make informed decisions and take control of their journey. From there, it’s about offering strategies and tools – whether it’s developing a saving plan, exploring different options, or considering alternative approaches to achieve their goals.

Now I see these conversations as opportunities to empower my clients, not let them down. Because ultimately, it’s about creating a plan that brings them closer to their dream in a way that’s achievable and sustainable.

Could you share any valuable advice for individuals aspiring to become brokers or those new to broking?

My advice for anyone aspiring to become a broker or those just starting out is to prioritise connection and education.

While broking can be an independent profession, it doesn’t mean you have to figure everything out on your own. Take the time to build relationships within the industry. Attend networking events, engage in professional development, and connect with other brokers – whether in person or through social media. Many brokers are incredibly generous with their knowledge and insights, and those relationships can provide invaluable guidance as you navigate your career.

One of the most unique aspects of broking is the sense of community. Despite technically being competitors, brokers often go out of their way to support one another, and that collaborative spirit creates a welcoming environment where you can learn, grow, and feel part of something bigger.

Broker in Focus is a weekly MPA feature spotlighting mortgage brokers from diverse firms and locations across Australia. Among those recently featured are Scott Stevenson of Mortgage Choice, Xavier Quenon of Go Mortgage, Peter Bassilios of Money Tree Mortgage Brokers, Andy Truong of Alliance Mortgage Group, Andrew Hadjidemetri of Australian Financial and Mortgage Solutions, John Minihan of Professional Finance Mortgage Broker, Daniel Bowler of Mortgage Choice, Scott Wills of Mortgage Choice, Camilla Lewis of Derwent Finance, and Harrison Brown of Aussie.

Are you a mortgage broker interested in being featured? Email the author with your details.