As XIN Mortgage enters its second decade in business, founder William Xin is gearing up for even bigger things to come
XIN Mortgage key facts
- Name: XIN Mortgage
- Team size: 36
- Location: Sydney
- Product offerings: Residential, commercial, SMSF
- Recent highlights: Latest loan book value $2.4bn; $1.07bn in settlements in 2025
XIN Mortgage entered 2026 on a remarkable high.
The Sydney-based mortgage brokerage, led by William Xin (pictured front row, third from right), capped 2025 off with a celebration of 10 years in operation. The milestone coincided with the brokerage’s first-ever billion-dollar-plus year of settlements, alongside a placement in MPA’s prestigious Top Brokerages list.
“It feels very meaningful,” says Xin of his brokerage’s successes. “Ten years feels long, but it also went by very quickly. When I look back, I can clearly see how the business has changed and grown step by step.”
From small beginnings
The early days of XIN Mortgage were mainly about “surviving and learning”, says Xin. A first-generation Chinese migrant, he admittedly had little experience, resources or even industry connections when he started out.
What he did have was guts, determination and a deep knowledge of IT that would prove to be his killer app.
Xin went to work designing a CRM system fit for a modern brokerage, built around “how our brokers work, how clients need to be looked after over time and how the business scales”.
This sophisticated platform has helped XIN Mortgage stay organised, on top of client relationships and able to deliver consistent service.
“Without strong systems in place, it would be very difficult to grow the business in a sustainable way,” says Xin.
To celebrate the 10-year anniversary, XIN Mortgage hosted a gala to thank the many clients, referral partners and industry partners that have supported Xin and his team over the years.
Guests heard of the many highs and lows that have defined XIN Mortgage’s journey so far, including clinching sixth spot in MPA’s 2025 Top Brokerages list.
“It felt very rewarding and encouraging” to receive the accolade, says Xin, stressing that it was not an individual but a team effort. “It shows that our focus on service, systems and people is being recognised. At the same time, it motivates us to keep improving and raising our standards.”
The 10-year anniversary celebration also gave Xin an opportunity to reflect on his personal journey, from first-generation Chinese migrant to a prominent figure in the Australian broking space.
He thanked his mentors and role models, including Joseph Chou, whose own experiences of immigrating from China to Australia, and working his way up from pizza delivery man to head of a renowned property investment firm, served as a major source of inspiration for Xin.
Tech-driven support
William Xin’s IT expertise became a powerful asset as he began his broking journey. Unimpressed by the CRM systems available to brokers, he decided to build his own from scratch, tailored to the industry’s needs.
From day one, Xin understood that broking is a relationship-driven business, reliant on consistently strong customer service. A key pain point he heard from clients was the lack of ongoing care once a loan had settled – no follow-up, no check-ins, no continuing service. Determined to change this, Xin developed a system designed to ensure no customer falls through the cracks.
Over the past decade, this homegrown platform – incorporating unique origination, referral and client management tools – has continually evolved in line with customer demands and has been a major driver of XIN Mortgage’s success.
Shifting gears
Another major highlight for Xin has been how his budding business empire has evolved.
“We started with just one business – XIN Mortgage – and later expanded into financial planning and mortgage management. Today, we operate three local business units, supported by offshore service and IT companies.
“This structure allows us to have a centralised support group offshore, including marketing, personal assistants, loan support, IT, paraplanning and credit teams. They support our local businesses and allow us to move from focusing only on mortgage transactions to providing long-term support, comprehensive financial advice and much more value-added service to our clients.”
XIN Mortgage has also managed to flesh out its product range, with SMSF, commercial and full-scope financial planning part of the offering.
As for the challenges, they have not stopped coming. “As the business grew, the challenges changed,” says Xin. “Managing a larger team, maintaining service quality, improving internal workflows across different business units, adapting to regulation changes and dealing with market uncertainty all brought new pressure.
“With further growth and expansion, recruiting and retaining the right people, as well as finding and growing the right business partners, became new challenges.
“The toughest part as a business owner is that every stage requires a different mindset and new skills. I either need to keep learning and improving myself or find the right talented people to work with.”
While XIN Mortgage’s first 10 years were marked by breakneck growth, the gears will shift slightly going forward.
“In 2026, our focus is on building stronger foundations rather than just growing fast,” says Xin. “We plan to continue strengthening our referral partnerships, business-to-business collaborations and marketing efforts to generate more leads for the team. We will also keep investing in our people and improving both service and sales, especially in the commercial and SMSF lending spaces.”
XIN Mortgage is also preparing to launch a membership program that will span both broking and financial planning teams to provide integrated support to members.
“This will help us build stronger long-term relationships with clients,” says Xin. “We will also continue focusing on leadership development and operational efficiency so the business can grow in a healthy and sustainable way over the next decade.”
The XIN Mortgage journey to date has clearly been paved with trials and tribulations, but the team, with William Xin in charge, is clearly only just getting started.
