Personal tragedy prompted dramatic career shift
In the ever-evolving landscape of the mortgage industry, few names stand out as prominently as John Lukanik (pictured), the dedicated and seasoned director of Capricorn Mortgages. His path to becoming a stalwart in the finance world is as unconventional as it is inspiring, marked by personal tragedy, resilience, and an unwavering commitment to his clients.
Getting into the industry
Lukanik’s foray into the mortgage industry was not a planned venture but caused by an unexpected turn of events. In the 1970s, he was a successful hotelier and the proud owner of a seafood restaurant, fully immersed in the catering business.
However, the untimely death of his wife in the 1980s prompted a dramatic shift in his career trajectory. Seeking a fresh start, Lukanik found himself intrigued by an advertisement from Allied Dunbar, a financial services company.
“One of our consultants was an adviser with Allied Dunbar, and that connection piqued my interest,” he recalled. “Despite knowing nothing about investments, pensions, or insurance, I was drawn to the world of finance. The training at Allied Dunbar was unparalleled, and I quickly found myself enjoying my new role.”
Motivation to continue as a broker
In 1999, Lukanik founded Capricorn Mortgages, driven by a personal pledge to assist and protect his clients in times of illness and death. This commitment has been the cornerstone of his business philosophy and is reflected in the long-term relationships and referrals that have fueled the company’s growth.
“I made a promise to ensure our business would genuinely help people,” he explained. “We’ve stayed true to this mission, and that’s why, at 78 years old (by January 2025), I’m still passionate about my work. Our clients’ trust and reliance on us keep me motivated.”
This dedication is particularly evident in how Lukanik handles mortgage products. After selling clients fixed term mortgages, he feels a profound sense of responsibility for their financial well-being, viewing it as a lifelong commitment.
“It is impossible for me to break the habit and refuse our clients’ plea for help,” he said. “I feel that we are forever responsible for their wellbeing.”
Looking to the future
Still, Lukanik acknowledges the fact that he is now approaching the twilight of his career. Thus, his focus is now on securing the future of Capricorn Mortgages. His goal is to find a successor who can uphold the company’s values while injecting new energy and technological advancements into the business.
“I’m actively seeking a broker who can fill my shoes,” he said. “Our reputation is stellar, but it’s time for fresh blood to drive the company forward. Although we’ve relied on traditional methods of client interaction and filing, the industry has evolved. We need to embrace new technology to remain competitive.”
Despite acknowledging the outdated nature of his systems, Lukanik maintains a pragmatic approach.
“I’ve always believed that if it isn’t broken, don’t fix it,” he added. “This philosophy has served us well, but it’s time for change.”
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