From humble beginnings......

Steve Lake left school in 1988 to commence work at the Commonwealth Bank in Heidelberg Victoria. After a 9 year career at the CBA he left for the ANZ Mortgage Centre in Flinders Street Melbourne. In 1997 the Mortgage Broking Industry was in its infancy and Steve shifted to the "Originator Service Department" where he was introduced to this burgeoning industry. Back then the department numbered 4 but it quickly grew to over 100 and during this time Steve built a strong reputation as having a "can do" attitude with a committed focus to helping Mortgage Brokers achieve their goals.


From there Steve moved to Mortgage Choice as a Business Manager and further enhanced his reputation by helping brokers grow their businesses. The challenges kept coming. In 2001 he was the leading Business Development Manager for Heritage Building Society (Heritage Bank) nationally with settlements of over $25 million per month.

 In late 2002 Macquarie Bank was the next logical step in his career where he quickly grew the Victorian operation and was a leading figure on Product and Service Development. He was rewarded with a secondment to the United States with Macquarie Mortgages as their Florida-based Account Executive. 

Steve Lake


Upon his return to Australia, Steve was recruited to Choice Aggregation Services as their Victorian Business Development Manager and again committed to helping Mortgage Brokers with their respective businesses. In 2008 he entered the Mortgage Broking Market and quickly established a successful business settling over $3 million per month within 3 months.

Returning to the lending market with Pioneer Mortgages as their Victorian BDM, he confirmed himself as one of the best Lender Business Development Managers in the state. Volumes soared and again Steve was responsible for a broader role, this time with Bill Zheng at Investors Direct. Here he managed the Third Party Distribution network engaging Brokers and Accountants to adopt the IDFG platform for their own diversification programs.

This leads us to ReferConnect. Established in 2014 as the 1st "Outsourced Business Development Platform" in the Financial Services Industry, ReferConnect's mission is to provide quality clients to Financial Services Industry professionals while forging new and value driven connections with like-minded referrers.