In this episode of Estate Agency Leaders, Ian Preston is joined by Terry Blackburn — founder of Mortgage Genie, Bespoke Financial, and the Wealthy Advisors Club — to unpack why mortgages, protection, and insurance are still so poorly developed in many estate agencies, and what that is costing business owners in real terms.Together, they explore:How financial services can increase revenue per transaction by 75% or moreWhy most agencies underperform in FS despite clear customer demandThe true economics of broker fees, proc fees, protection, and recurring incomeEmployed vs self-employed adviser models — and when each makes senseHow FS materially increases business valuation and exit multiplesThe power of back books, repeat remortgages, and referral flywheelsThis is a practical, numbers-led conversation for agency owners who want more control, more profit, and a more valuable business — without chasing more instructions.If you plan to grow, professionalise, or exit your estate agency in the next 3–5 years, this episode is essential listening.