“I wanted to forge my own path”
Toni Dawson and Scott Brightwell of Loan Market
From banking to building their own business success
With many years of combined experience in banking and financial services, Toni Dawson and Scott Brightwell made the decision to step away from the corporate environment and join Loan Market.
Their motivation was clear: gain flexibility, escape the constraints of traditional banking, and build businesses on their own terms.
Like many advisers who have made the transition, they share a common reflection - their only regret is not making the move sooner.
Why Loan Market?
“I was with another aggregator, but Loan Market does things 100 times better,” says Scott.
He highlights the strong brand presence, supportive culture, and robust marketing backing as key differentiators. The structured induction process also stood out, providing guidance and support rather than leaving new advisers to navigate the transition alone. Compliance, often seen as a challenge, was made simple and accessible.
Toni adds, “I wanted to be my own boss. I wanted to forge my own path.”
Both acknowledge that going out on your own can feel isolating at times which is why they were both drawn to the community and connection at Loan Market.
“Right from the beginning, the vibe felt good. The people were great - everybody was helpful and fun,” comments Toni.
Both emphasise the strength of the Loan Market community, noting that even though advisers operate independently, support is always within reach.
“When you’re on your own day to day, you’ve always got people you can call on - a great group around you.”
Toni actively engages in the network, attending Professional Development Days and Leading Ladies events, which she describes as highlights of her calendar. Scott echoes this sentiment: “Even though we’re all independent, we work as a team.”
From Banker to Adviser
Both Toni and Scott agree that one of the most rewarding aspects of becoming an adviser is the ability to build deeper, more meaningful relationships with clients - something that is often limited in a traditional banking or lending role.
A common concern for those considering the move is the shift from a fixed salary to commission-based income. However, both advisers report returning to their previous income levels within their first year, with significantly greater earning potential beyond that.
“The earning potential is unlimited - it depends on what you’re prepared to put in.”
They emphasise that being self-employed creates a stronger sense of accountability and motivation. “When you’re building your own business, you’re going to do your best for every single client,” says Toni.
Delivering exceptional service not only helps clients achieve their goals but also fuels future growth through referrals. “If I provide an amazing service, that client is going to tell everybody they know.”
The First 90 Days
Reflecting on his early experience, Scott admits that enthusiasm alone isn’t enough.
He advises new advisers to take a more strategic approach - building a solid foundation before scaling too quickly.
Key priorities include:
Securing bank accreditations
Understanding lender policies
Establishing efficient processes
Creating a clear business plan
“You can’t expect business to come to you — and you don’t want it to come too fast.” Preparation is critical to delivering strong customer outcomes from day one.
“You don’t want one bad deal early on to undo all the hard work you’ve already put in.”
He also stresses the importance of building a referral network and leaning on mentorship and the broader Loan Market community.
Building a Sustainable Business
Toni highlights a common mistake among new advisers - waiting too long to seek support. “Employ help before you think you need it.”
Investing in administrative support allows advisers to focus on what matters most: clients and business growth. Toni has already taken this step, employing two staff members to support her expanding business.
Scott, now five years into his journey, acknowledges he has been managing everything himself but plans to build out his team in the near future.