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Scott Baker, founder of brokerage Toast Finance in Geelong, has announced the launch of the $100 Million Broker Blueprint, a program designed for brokers in their early years of operation.
The course is not designed for brand-new entrants, but rather for brokers who already know how to write loans and are seeking to move from opportunistic transactions to sustainable growth.
Baker said that the first intakes to the program will commence in the coming months.
Program focus
According to Baker, the program focuses on two core issues: generating consistent deal flow and establishing an operating rhythm that supports sustainable growth.
“The brokers I’m targeting initially will be those who have been in the industry for a year or so and now want to build momentum, get consistency and start creating a broking business that’s sustainable,” Baker said
“I find a lot of brokers struggle because they’ve got a settlement flow that’s like a roller coaster.
“My program is about designing a framework and system to work on all parts of your business and maintain a more upward flow of leads and workflow.
“It’s also about how to leverage your own personal brand, because I think over the next five or 10 years that’s going to be the thing that sets the great brokers apart from the rest.”
Baker also said that he wanted the program to foster an environment of idea sharing and discussion.
“I want the program to create a community of like-minded brokers that we can all learn from and share ideas,” he said.
“It won’t just be me talking – I want it to be a group-learning environment.”
Addressing a post-entry gap
Baker said the program was developed in response to a gap he observed in broker support once new entrants move past licensing and accreditation.
Having been a broker for six years, Baker felt that his path into the industry was of use to other brokers trying to make the same transition that he did.
“Part of the reason for the program is to give brokers the ability to learn off someone who’s only a few steps ahead of them,” said Baker.
“I think it’s a dangerous game to try to look at the number one brokers in Australia with their team of 30. They’re so far removed from what most people’s path will be.
“I’m still in the thick of it. I want the program to walk through what I used to get my business from zero as a new broker to where I am now. The systems, structures and strategies that took me six years to figure out will be wrapped up in the program.”
Baker joined the mortgage broking industry in 2019 after a 20-year career in fashion retail. He spent five years operating under the Liberty Loans banner, where he later became director and lead mortgage and finance broker for Geelong.
In February 2025, Baker launched his independent brokerage, Toast Finance, which is based in Newtown, Victoria. The business operates with a team of five and offers a range of lending services, including first home buyer loans, investment lending, personal and car finance, and SMSF lending. The brokerage has settled close to $500 million in loans.
Baker said his decision to launch the program followed repeated requests from brokers seeking guidance on business development, lead generation, and brand positioning.
“I’ve had a few brokers reach out to me mainly because of the education on my Instagram. I’ve had a few brokers in a consultancy kind of relationship over the past few years and that’s been something that I’ve loved doing.
“Putting together a full program has been in the back of my mind for a while, but over the past 12 months the timing felt right to bring it to market.”
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