In a market where tight serviceability and rigid algorithms knock back good borrowers, Mortgage Choice broker Alexander Hamid (pictured) has built his edge on one skill: turning complex client stories into clean, credit‑ready files the banks can’t ignore.
For Hamid, becoming a mortgage broker was an obvious next step once he completed his MBA. After starting out as an associate broker at Lendi, the Sydney broker moved into his own broking role about two and a half years ago and hasn’t looked back.
“Getting into broking was honestly a bit of a no-brainer for me,” Hamid says. “After I knocked over my MBA, it made sense to head straight into the finance sector. I’ve always been a numbers person, and I genuinely love helping everyday Aussies navigate just how complex the loan market is these days to get them great results.”
Today, as director and finance broker with Mortgage Choice in the Hills area and surrounds, he focuses on helping first-home buyers, property investors, and refinancers hit their financial goals – and stay on track long after settlement.
Asked about the most positive development in the industry, Hamid points straight to the best interests duty – backed by smarter broker technology.
“Brokers write over 75% of home loans in Australia now, which just proves the trust is there,” he says. “BID legally backed up what good brokers were already doing anyway — putting the client first. Plus, the tech we use today cuts out so much boring data entry, giving us more time to actually sit down and have a yarn with clients about their goals.”
Hamid sees today’s biggest challenge as keeping clients loyal in a booming, highly competitive broking market. His answer is to go well beyond transaction‑based advice.
“We’ve got to be more than just a transaction,” he says. “It’s all about jumping on the front foot — doing regular financial health checks and checking in well before their fixed rate expires. We need to be their finance partner for life, not just for settlement day.”
That mindset was tested in one of his most memorable deals – a self‑employed borrower with complex trust structures repeatedly knocked back by major banks’ algorithms. After weeks of workshopping the application directly with a second‑tier lender’s credit team, the deal finally landed.
“The lesson: Never accept the first 'no'. As a broker, your real job is to translate your client's real-life situation into bank-speak. Resilience is everything,” Hamid says.
For aspiring brokers, Hamid’s message is clear: lean on support and play the long game.
“First up, don't try to go it alone,” he says. “The learning curve in the first couple of years is massive, so lean hard on your aggregator — the mentoring and systems at Mortgage Choice are brilliant for this.
“Second, put the relationship before the commission. If you do the right thing by your clients every single time, the money sorts itself out. Be straight with them — even if the advice is 'don't buy yet' — and your business will run on word-of-mouth.”
Get the hottest and freshest property and mortgage news delivered right into your inbox. Subscribe now to our FREE daily newsletter.
