Find Mortgage Network in the UK | Choosing a Network in 2024. Finding the best mortgage network in the UK is a major decision for any mortgage adviser. Whether you are newly qualified or looking to switch networks, choosing the right partner affects everything from your commission split and support levels to your long-term growth. Many advisers seek clear guidance on how to compare mortgage networks, how fees work, and what level of training and compliance support they can expect. Yet most online advice is too generic to help advisers make a confident choice.

This guide provides a deeper look at what a high-quality mortgage adviser network should offer, including transparent fees, competitive commission structures, robust compliance support, and access to a wide lender panel. It covers real-world considerations that influence day-to-day performance, from onboarding times to technology systems and adviser supervision. By focusing on the practical details advisers care about, this content helps you understand how to choose a mortgage network that improves your business and supports better client outcomes.

If you want to join a trusted mortgage network or compare your current options, the insights below provide actionable steps, expert-level detail and genuine value for anyone researching mortgage adviser networks, appointed representative models or broker support in the UK.

10 Essential Questions to Ask Before Joining a Mortgage Network

These questions help you compare networks accurately and avoid costly mistakes.

1. What is the exact fee structure, including membership fees, compliance fees, software costs and minimum earnings requirements?

2. What percentage of commission do advisers retain, and does the split change as your business grows?

3. How long does onboarding take from application to full authorisation as an appointed representative?

4. How does the network support newly qualified advisers, including supervision, mentoring and case checking?

5. What is the lender panel like, and does it include specialist lenders for complex cases such as HMOs, adverse credit, and limited company buy-to-let?

6. How quickly are compliance files reviewed, and what is the average turnaround time for suitability checks?

7. What CRM and sourcing systems are provided, and are they included in the membership fee?

8. What training and CPD opportunities are offered, and how often are they updated?

9. What happens if you want to leave the network, including exit fees, notice periods and how servicing rights are handled?

10. What do current advisers say about the network regarding support, income, communication and culture?

Encouraging advisers to use this checklist helps improve decision-making and reduces the risk of joining a network that does not support long-term growth.

Comparison Table: Key Features Across Mortgage Networks

Regulatory Context: FCA Expectations for Appointed Representatives

Many advisers do not realise the significance of regulatory oversight when choosing a mortgage network. A trusted network ensures that the adviser is protected by meeting all requirements set out by the Financial Conduct Authority.

Key regulatory factors advisers should understand:

• Networks are responsible for the actions of their appointed representatives. This means a strong compliance culture protects advisers from unnecessary exposure.

• Supervision requirements for newly qualified advisers include an initial 100 per cent file check phase. Networks must provide fair support to complete this stage.

• Training and Competence rules require regular CPD, documented learning plans and evidence of consistent adviser development.

• Consumer Duty responsibilities mean that networks must ensure advice is suitable, fair, and well-evidenced at every stage of the mortgage and protection process.

• 2024 to 2025 FCA reviews focus on oversight of ARs, governance structures and complaints performance, which makes network quality more important than ever.

A high-quality network does not simply enforce compliance. It educates advisers and helps them feel confident in meeting FCA expectations.

Upcoming Industry Changes Advisers Should Be Aware Of (2024 to 2025)

Including future insight positions your content as forward-looking and authoritative.

Increased scrutiny under the Consumer Duty

The FCA is placing greater emphasis on

• outcome testing

• clarity of communication

• evidence that clients receive fair value

Networks with strong compliance processes will adapt easily. Those with poor systems may struggle.

Technology and automation

More networks are adopting integrated CRM platforms that streamline

• sourcing

• fact finding

• suitability reporting

• document storage

Advisers should ensure the network is investing in modern systems rather than relying on outdated tools.

Shifts in lender criteria

Specialist lending, including limited company buy-to-let, bridging finance, and complex income cases, continues to grow. A strong network must maintain an up-to-date lender panel with access to niche providers.

Growth in hybrid adviser models

More advisers are opting for flexible working arrangements, including remote advice that is supported by digital tools. Networks that embrace hybrid processes will offer better long-term opportunities.

Additional High Value Elements For Advisers

Actionable adviser resources

• “Mortgage Adviser Academy ”

• Mortgage Adviser Directory

• “Network Comparison”

• “Compliance Questions to Ask Before Joining a Network“

What to do next?

• Download our network guide
•  Book a call with our Business Recruitment Manager

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