The mortgage adviser combines her banking expertise with a passion for client-focused financial solutions
From navigating the rigid world of banking to embracing the dynamic challenges of mortgage broking, Zebunisso Alimova (pictured above) turned a family opportunity into a career redefining client-focused financial solutions.
Transitioning from banking to broking
Alimova’s foray into mortgage broking began in 2018 after six years in the banking sector. The opportunity to take over her brother’s Mike Pero Mortgages franchise was a pivotal moment in her career.
“This step not only allowed me to leverage my banking experience but also marked the beginning of a fulfilling journey in helping clients achieve their financial and homeownership goals,” she said.
The role enabled her to combine her expertise with a genuine passion for assisting clients, making a meaningful impact through tailored mortgage advice.
Elevating standards in mortgage broking
For Alimova, the mortgage industry’s most positive development has been the improvement in the quality of advice provided to clients.
“Mortgage and insurance advisers are increasingly delivering tailored, professional, and client-centric solutions, helping more people make informed financial decisions,” she said.
This shift highlights the industry’s commitment to raising standards and fostering trust.
Despite these advancements, Alimova believes there is room for growth.
“Continued focus on professional development, addressing systemic challenges, and enhancing collaboration across the industry will be crucial to ensuring we not only maintain but further elevate the quality of advice and service provided to clients,” she said.
Addressing channel inequality
One of the most pressing challenges Alimova identifies in the industry is channel inequality.
“Applications handled by advisers can sometimes face delays, additional scrutiny, or even rejections compared to those processed directly through banks,” she said.
This disparity frustrates advisers and risks driving talented professionals away from the field.
Her solution? Swift and decisive action.
“If left unaddressed, this issue risks harming clients who rely on expert advice to secure better financial futures and improve their lives. Urgent action is needed,” Alimova said.
Turning challenges into triumphs
Alimova recounts a particularly challenging case involving a self-employed client who faced multiple rejections from lenders due to a complex financial situation.
“Despite the setbacks, I took the time to thoroughly analyse their income structure, gather additional supporting documents, and present a comprehensive case to the lender,” she said.
After persistent communication, the client’s application was approved, allowing them to secure their new purchase without losing their main home.
“This experience taught me the importance of resilience, attention to detail, and effective communication,” Alimova said.
“Understanding a client’s unique circumstances and advocating for them with confidence can turn challenges into successes.”
Advice for aspiring mortgage advisers
For those new to the industry, Alimova offered sage advice.
“Focus on building a strong foundation of knowledge and prioritising your clients’ needs above all else,” she said.
She stresses the importance of understanding lending policies, market trends, and regulatory requirements.
Networking and mentorship also play a critical role in success.
“Learn from experienced advisers and seek mentorship opportunities to refine your skills,” Alimova said.
Patience and perseverance are key, as every client’s situation is unique and may require creative problem-solving.
“Lastly, always operate with integrity and a genuine desire to help clients achieve their goals. A reputation for trust and exceptional service will set you apart in this competitive industry,” Alimova said.
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