Canberra broker left banking to pursue a career aligned with her values
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 Aimee Bergan (pictured), director of APC Home Loans, who made the bold leap from banking into broking just two years ago — driven by a desire to build deeper, more values-aligned relationships with her clients. After more than a decade in the finance sector, Bergan launched her Canberra-based brokerage in mid-2023, quickly discovering not only the challenges of running a new business, but also the immense support and collaboration within the broking community. In this interview, she shares how a single deal brought both her and her client to tears, why she believes post-settlement service is the industry's next big hurdle, and her advice to newcomers looking to make their mark.
Full name: Aimee Bergan
Job title: Director/Broker
Company: APC Home Loans
Number of years in the industry: 2
Location: Canberra, ACT
How and when did you become a mortgage broker?
I became a mortgage broker in mid-2023 after a long and rewarding career in banking. I started in the industry at 21, and by 35, I knew it was time to back myself and follow a path that truly aligned with my values. I developed an action plan, created a budget, and gave notice to leave the bank. It all happened quickly, but it felt right. Launching my own business was a bold move, but one I’ve never regretted.
In your opinion, what has been the most positive development in broking?
I’m not sure if it’s a recent development or if I’ve just become more aware of it since entering the industry, but the level of education and support in the broker community is outstanding. Initiatives like new-broker education days and mentoring programs show how committed the industry is to helping brokers grow — both in operations and compliance.
What challenges do you see currently facing the industry, and what solutions would you propose?
A key challenge is the disconnect between first-party and third-party channels when it comes to post-settlement service. As brokers, we build strong, lasting relationships with clients, but we’re often restricted in what we can do — like helping with repayment changes or simple account maintenance. Clients expect us to handle these needs, and when we can’t, it can undermine their trust. I’d love to see more banks invest in solutions that empower brokers to support clients more comprehensively beyond the loan approval stage.
Can you share a challenging experience from your career as a broker and the lessons you gained from it?
A client was referred to me after another broker said they couldn’t assist. The clients had signed a contract without realising how a recent location change would affect their ability to secure finance. We explored all possible options, and they were able to renegotiate a remote working arrangement with their employer, allowing the deal to proceed. When I called to confirm their loan approval, the client broke down in tears — then so did I. That moment reminded me how a few extra questions and thinking creatively can truly change someone’s life.
Could you share any valuable advice for individuals aspiring to become brokers or those new to broking?
There are incredible resources out there, and plenty of experienced professionals willing to share their knowledge — listen to them. Focus on your strengths, tell your story, and let your personality shine through. Most importantly, remember this is a relationship-based business, not just a transactional one. The more genuine and visible you are, the more trust and loyalty you’ll earn.
Broker in Focus is a weekly MPA feature spotlighting mortgage brokers from diverse firms and locations across Australia. Among those recently featured are Alya Manji of Aussie Home Loans, Leon Ng of Zenith Home Loans, Martin Walmsley of NBS Home Loans, Cameron Conroy Atlas of Victorian Commercial & Home Loan Group, Randy Araya-Bishop of Sufficient Funds Home Loans, Rachel Slekenics of Low Rate Home Loans, William Chen of Pacific Mortgage Centre, Hayden Folbigg of Bigg Mortgage Group, Russell Munfaredi of Mortgage Pros, and Brett Wadelton of My Expert®.
Are you a mortgage broker interested in being featured? Email the author with your details.
