What is an Appointed Representative? | An appointed representative in mortgages is a financial adviser or firm that carries out regulated mortgage activity under the FCA permissions of a mortgage network. Instead of becoming directly authorised, the appointed representative works under the network’s regulatory umbrella and benefits from structured supervision, compliance oversight and access to approved processes. This model allows advisers to focus on delivering regulated advice while the network manages the core responsibilities around governance, FCA reporting and quality checks.
As part of the appointed representative arrangement, advisers are supported with a full range of services including compliance reviews, business development support and lender access. Appointed representatives within our network also receive a complete mortgage CRM and case management platform designed to streamline sourcing, documentation and client communication. You can learn more about this technology on our mortgage network technology page.
For many advisers, becoming an appointed representative is a more efficient and cost-effective alternative to the directly authorised route. It reduces administrative burden, simplifies regulatory obligations and provides a clear pathway to growth through ongoing training, compliance support and a network structure built around helping advisers operate confidently and professionally.
How Appointed Representatives Work
Appointed representatives operate within a structured framework that is monitored by the network. The network is responsible for oversight, file checks, supervision and ensuring the adviser continues to meet FCA rules. For the adviser, this creates a streamlined workflow, reducing administrative burden and allowing more time to focus on clients.
By working under a network, appointed representatives gain access to the support, tools and guidance needed to operate confidently in a regulated environment.
Appointed Representative vs Directly Authorised
The choice between becoming an appointed representative or a directly authorised representative is one of the most important decisions for mortgage advisers.
Directly authorised advisers must secure their own FCA permissions, manage compliance, maintain regulatory reporting and oversee their own processes. They are fully responsible for risk management, audit trails and governance.
Appointed representatives, by comparison, operate under the network’s permissions. The network delivers compliance checks, ongoing monitoring, training, technology and lender access. For many advisers, this approach removes the pressure of managing regulation alone and provides a more cost-effective and time-efficient way to grow.
This aligns with our previous guidance that joining a network offers a structured pathway for support, professional development and access to powerful digital tools. To learn more, download our guide on Network vs Directly Authorised.
Benefits of Becoming an Appointed Representative
Becoming an appointed representative offers clear advantages for new advisers, growing firms and those who prefer to focus on client work rather than regulatory administration.
Key benefits include:
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Full FCA coverage under the network’s permissions
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Dedicated compliance support and file checks
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Access to a wide panel of lenders
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Support from experienced specialists
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FCA oversight managed by the network
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Lower regulatory cost compared to direct authorisation
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Ongoing training and development
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Access to a complete CRM and case management platform
These benefits make the appointed representative route ideal for advisers seeking both independence and strong operational support.
Technology for Appointed Representatives
Every appointed representative within our network receives access to a full mortgage CRM and case management platform that simplifies daily workflow. The technology supports case tracking, sourcing, compliance checks and client communication in one place.
To explore this further, view our mortgage network technology platform on our Technology page.
The system is designed for advisers who want to operate efficiently, reduce admin and deliver outstanding advice with digital tools that support every stage of the client journey.
Compliance and FCA Oversight
Compliance is one of the most important factors for any mortgage adviser. As an appointed representative, the network manages the oversight required by the FCA, including:
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File audits
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Risk assessments
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Documentation checks
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Client communication guidance
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Ongoing supervision reviews
This ensures every adviser benefits from a safe, structured and compliant environment without needing to manage full FCA obligations independently.
For more information, review our compliance support available to advisers.
Training and Development for Appointed Representatives
Advisers joining as appointed representatives receive structured training and ongoing development tailored to both new and experienced advisers. This includes support with systems, compliance, sourcing and business development.
You can learn more about this by visiting our training and development page.
Appointed Representative vs Direct Authorisation Cost and Time
The cost and time required to become directly authorised can be significant. Directly authorised advisers must:
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Complete their own FCA application
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Manage annual fees and regulatory reporting
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Implement internal compliance systems
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Maintain ongoing risk management procedures
For many advisers, the appointed representative model offers a more practical path with fewer operational demands, allowing them to grow their business with confidence.
How to Become an Appointed Representative
If you are considering the appointed representative model, joining a network provides you with immediate access to:
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A full CRM and case management platform
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Compliance support
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Lender access
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Training and development
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Business mentoring
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Marketing and operational tools
- Be part of Connect Network, take advantage of our mortgage adviser directory
You can learn more about joining the network on our Why Join a Mortgage Network page.
Final Thoughts
Choosing to become an appointed representative gives mortgage advisers a balanced way to operate. You retain control over client relationships while benefiting from the support, technology and supervision of a network that manages regulatory oversight on your behalf.
If you want to explore your options or compare the appointed representative route with direct authorisation, our team can guide you through every step. It starts with, Talk to Tracy
Thank you for reading our publication “What Is an Appointed Representative? | Mortgages Industry.” Stay “Connect“-ed for more updates soon!
FAQ | What Is an Appointed Representative?
| Question | Answer |
|---|---|
| What is an appointed representative in mortgages? | An appointed representative is a mortgage adviser or firm that carries out regulated activity under a network’s FCA permissions. The network provides supervision, compliance support and access to lenders. |
| How does an appointed representative work under a network? | The adviser operates under the network’s regulatory umbrella. The network is responsible for oversight, file checks, audits and ensuring the adviser follows FCA rules. |
| What is the difference between an appointed representative and a directly authorised adviser? | Directly authorised advisers hold their own FCA permissions and are responsible for all compliance matters. Appointed representatives work under a network’s permissions, receiving supervision, support and access to systems without managing regulation alone. |
| What are the benefits of becoming an appointed representative? | Key benefits include FCA coverage, compliance support, lender access, training, reduced regulatory cost and a full mortgage CRM system provided by the network. |
| Does an appointed representative need their own FCA authorisation? | No. The adviser works under the network’s authorisation. The network carries the regulatory responsibility and oversees the adviser’s conduct. |
| Who is responsible for compliance checks for an appointed representative? | The network handles compliance checks, audits and file reviews. This ensures the adviser remains compliant with FCA standards without having to manage these processes alone. |
| Can an appointed representative access lender panels? | Yes. Appointed representatives gain access to the network’s full lender panel, allowing them to offer a broad range of products to clients. |
| How do you become an appointed representative? | Advisers can join a mortgage network that offers technology, compliance support, training, and lender access. The network handles onboarding and provides the tools needed to operate as an appointed representative. |
| Is it cheaper to be an appointed representative than directly authorised? | Often yes. Direct authorisation involves FCA fees, compliance costs and operational systems. Appointed representatives typically face lower overall costs because the network provides these services. |
| What technology does an appointed representative use? | Appointed representatives use the network’s mortgage CRM and case management platform. This supports sourcing, compliance checks, communication and workflow management. |