Broker in Focus: John Tindall, Accumulus 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.

This week, MPA puts the spotlight on John Tindall (pictured top), mortgage broker at Accumulus Home Loans, who is quickly making his mark on the Gold Coast’s competitive lending landscape. Inspired by his father’s legacy and drawing on a decade of experience in property development and construction, Tindall brings a unique blend of industry insight and genuine client care to every interaction.

Since making the leap into mortgage broking two years ago, he has become a passionate advocate for integrity, personalised service, and the evolving role of technology in the sector.

Full name: John Tindall (Junior)
Job title: Mortgage Broker
Company: Accumulus Home Loans
Number of years in the industry: 2 
Location: Gold Coast

How and when did you become a mortgage broker?

My journey into mortgage broking was both natural and deeply personal. I watched my father, John Tindall (Senior) – an esteemed broker with over a decade of experience – build genuine client relationships and transform lives through thoughtful finance solutions. Meanwhile, my own decade-long experience across property development, construction, and advisory left me wanting more: I craved that profound client connection.

Two years ago, I took the plunge – completing my Cert IV and Diploma in Broking through ISM and joining Purple Circle Financial Services. By combining my property and development background with that sense of human connection, I’m passionate about guiding clients through not just finance, but its real impact on their lives.

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

The introduction of Best Interest Duty (BID) represents a monumental shift in mortgage broking. In the wake of the Royal Commission, BID has helped cement integrity at the heart of our profession. It has reinforced the broker-client bond and elevated industry accountability across the board – something clients and brokers alike rightfully expect today, and probably the reason why more than seven in 10 loans are now going through mortgage brokers, rather than directly from client to lender. Now, every recommendation I make must align with a client’s unique goals and needs. That means more than just finance – it’s bespoke, ethical advice. Knowing each client is receiving a fair, tailored solution not only empowers them, but also ensures I can rest easy with the trust they place in me.

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

In Queensland – and really across the broking world – there are two interwoven challenges shaping the future of our work:

1. Digitisation of documents: Queensland still relies on paper-bound processes for some critical documents. It’s outdated and slows everything down. We need regulatory reform: pushing the government to officially accept electronically signed mortgage and transfer documents would rapidly boost efficiency and meet modern expectations.

2. AI versus human connection: AI is a powerful tool – but without regulation and creative oversight, it risks dulling the very humanity at the core of broking. A great broker understands a client’s dreams, stress points, and aspirations – AI must augment, not replace, that depth. We need industry-wide guidelines ensuring AI tools empower brokers, not substitute them – protecting the trust we cultivate.

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

One experience really stands out – helping a growing family in the Sutherland Shire, NSW, move into a home that truly reflected their evolving lifestyle. Their first property had become an investment, but they needed something bigger – closer to schools, with room for kids to run, a pool, that comforting fireplace glow. I sourced a lender they’d never encountered. Despite higher rates and annual fees, the outcome was transformative: $200,000 more borrowing capacity unlocked a full family dream. Seeing their kids splash in the pool, run through the backyard, and settle into that kitchen – the photos they share still light me up.

The key lesson? Present clients with information and options – not your personal bias. Let them decide based on what matters most to them. We’re guides, not gatekeepers.

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

If you’re eyeing this career – or are just starting – I’d say:

1. Find your community and mentor: I joined Purple Circle and the Purple Academy. Being surrounded by mentors and like-minded peers accelerated everything – knowledge, confidence, growth. I feel like I’m part of something bigger than myself, and I’m not alone.

2. Be your own BDM: Treat yourself like the business you are. Set daily and monthly KPIs – for calls, meetings, referrals, content creation, networking. Growth doesn’t happen by waiting. Hold yourself accountable to results through deliberate action over time.

3. Plan backwards from your vision: Whether you want a solo home office or a multi-team agency, map your goal backwards. Define what needs to happen this year, quarter, and month to get there – and chase it with intention.

Broker in Focus is a weekly MPA feature spotlighting mortgage brokers from diverse firms and locations across Australia. Among those recently featured are Luke Serra of Loan & Finance Brokers, David Meadows of Meadows Advisory, Tom Gu of Aussie Home Loans Chatswood, Tracie Palmer of Cornerstone Home Loans, Harry Green of Low Rate Home Loans, Marisa Schönwolf of CHL Home Loans Leederville, Aimee Bergan of APC Home Loans, Alya Manji of Aussie Home Loans, Leon Ng of Zenith Home Loans, and Martin Walmsley of NBS Home Loans.

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