John Symond's success story is one based on a businessman determined to take on the big banks and inflict change on the Australian finance industry.
Mr Symond's humble start was in west Sydney where he grew up.
His parents owned fruit shops both in Sydney and Brisbane and he worked at the shops after school and during weekends.
In the mid 1970s he started in finance as a law clerk in the Parramatta and Merrylands area, giving assistance to a handful of real estate agents.
By 1977 he found that 80 per cent of the business he dealt with was in finance.
In 1992 he left law and set up a small business in Parramatta called Aussie Home Loans.
He said he had no idea the business would see such growth.
When he set up his business the only home loans you could apply for at the time were from banks, building societies and credit unions.
Mr Symond said he built his business by being available day and night for his clients and potential clients.
By 1994 he partnered with Macquarie Bank and launched Australia's first securitised home loans.
The groundbreaking mortgages had interest rates 3 per cent lower than the big four banks and Mr Symond got busy calling Australia's long-suffering "mum and dad" home owners to action.
"I was so proud to think that every mum and dad in every street in Australia had access to a 3 per cent reduction in home loans," he said.
Aussie Home Loans led the way for competition.
The business along with Macquarie Bank became the largest AAA-rated bond issuer outside the government.
Today the business has expanded to include a national mortgage broker service, travel, wedding and personal loans, credit cards and insurance.