Stay sharp, stay ahead: Learn the trends
With more than 20 years in finance, Julius Capilitan (pictured above) proves that in mortgage broking, a sharp mind, strong relationships, and a knack for tech are the real keys to unlocking success.
A passion for financial guidance
Capilitan’s journey in financial services spans over two decades. With experience across business banking, investments, and insurance sales, he made a natural transition into mortgage lending.
“My passion for helping clients navigate financial decisions led me to mortgage advising, starting with extensive training at Kiwibank,” Capilitan said.
His career path also includes roles at institutions like ANZ Wealth and the NZ Stock Exchange, where he built expertise in residential, commercial, and development finance.
Tech revolutionises mortgage broking
He highlighted the increased accessibility and flexibility in lending options as one of the most significant advancements in mortgage broking.
“Technology and digital platforms have revolutionised the industry,” he said.
This evolution has enhanced client experiences, streamlined processes, and fostered a customer-centric approach focused on personalised advice.
“The shift towards long-term financial health has greatly benefited clients,” he said.
Adapting to change: Education and tech key
According to Capilitan, regulatory changes and increased competition are major challenges in the broking industry. He emphasises the importance of continuous education, leveraging technology, and educating clients on financial literacy.
“Enhanced training and professional development are crucial, especially with the evolving regulatory landscape,” Capilitan said.
He also stressed the importance of building a robust CRM system to improve client interactions.
Perseverance pays off in homeownership success
One of Capilitan’s most rewarding experiences was helping a young couple secure their first home after multiple rejections.
“They were ready to give up,” he said. “By carefully analysing their financial situation and exploring non-traditional lending options, I was able to make their dream come true.”
This experience underscored the importance of perseverance and creative problem-solving in the industry.
Top tips for aspiring brokers
For those new to mortgage advising, Capilitan offers key advice:
- Commit to continuous learning and stay informed about market trends.
- Build strong relationships with lenders and clients.
- Focus on customer-centric solutions to build trust.
- Embrace technology to stay competitive.
- Seek mentorship for guidance and support.
“Your network is your net worth,” Capilitan said, reflecting on the importance of strong industry relationships.
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