Get The Free Brochure
To receive your copy of the Direct vs Network brochure, please complete the short form below with your name and email address, then tick the consent box and click Submit.
Once submitted, you will be able to access the brochure and learn more about the different routes to FCA authorisation for mortgage firms.
Learn about becoming directly authorised or joining a mortgage network
Deciding whether to become directly authorised or join a mortgage network is one of the most important choices a mortgage adviser or broker firm can make.
- Guidance on joining a network or becoming directly authorised as a mortgage firm, explaining both options clearly.
- Step-by-step breakdowns of costs, processes and compliance for each path. Helping you understand what’s involved in running a mortgage firm.
- Practical advice on managing your business from system setup to lender relationships, tailored to your choice between network membership or direct authorisation.
- Support structures offered by networks, including training, compliance and business growth resources.
- Tools to compare options and make informed decisions about your business structure and long-term success.
Network vs directly authorised comparison
| Area | Joining a network | Directly authorised |
|---|---|---|
| Regulatory structure | Usually appointed representative status under a principal firm | Firm holds its own FCA permissions |
| Compliance responsibility | Supported and overseen by the network | Managed directly by the firm |
| Lender access | Access through the network’s lender and provider panel | Built and maintained by the firm |
| Systems and CRM | Often provided as part of network membership | Chosen, funded and managed by the firm |
| Training and development | Network support, events, guidance and updates | Arranged independently |
| Business growth support | May include marketing, placement support, case support and adviser development | Built internally or outsourced |
| Control | Strong business autonomy within network rules and permissions | Full responsibility and control |
| Suitability | Advisers who want support, structure and scalable growth | Firms with strong compliance infrastructure and operational capacity |
Quick answer
Joining a network may suit brokers who want access to lender panels, compliance support, training, business development, CRM systems and practical guidance without managing every regulatory process alone.
Becoming directly authorised may suit firms that want full control over their permissions, systems, compliance framework, lender relationships and operating model, and have the time, knowledge and resources to manage those responsibilities directly.
For many experienced brokers, the best question is not “which route is cheapest?” but “which route gives my business the strongest platform to grow safely, compliantly and profitably?”