How it works — SmartPeer

Four steps, start to finish

Join the network

Apply online. We verify your firm, you agree your terms in writing, and your team completes a short certification — then you're live.

Refer a client

Enter their details once. We send your client a secure link to check everything and give their consent — nothing is shared until they do.

We take it from there

Their details go to a carefully selected specialist, and you follow every referral's progress live in your portal.

Get paid

When business completes, your share lands on your statement — clear, itemised, and paid to your firm's account.

Your client, protected

What your client experiences

Your client receives a short, secure form — no account, no password. They check their details, choose exactly which services they're happy to be referred for, and can correct anything or opt out entirely. Only after they confirm does anything reach an adviser.

They can also tell us whether they're happy to hear from more than one adviser or just one. Their choice is recorded and respected. You stay their trusted professional throughout — we never market to your clients.

What's happening behind the scenes

Every referral quietly generates the paperwork a professional introduction should have.

Client consent captured and evidenced before anything is shared
A privacy-safe reference for every referral — client names never leak into reports
A disclosure letter generated automatically, on your letterhead
Live status tracking from introduction to completion
An itemised statement entry and self-billing invoice when commission arrives
An audit trail on every step, kept for as long as the rules require

For your whole team

Built for firms, not just founders

Add your colleagues with the roles you choose — admins see the whole firm, producers see their own referrals, and you set each person's internal split once. Everyone who refers completes a short certification first, so the whole team uses the same approved wording with clients.

The firm's terms, team, and splits live in one settings area, and every change is versioned. Nothing about your arrangement ever changes without your explicit acceptance.

Common questions

Do I need to be FCA-regulated to join?

No. You join SmartPeer's network and refer through us — the regulated advice is delivered by the receiving firms. We give you approved wording so what you say to clients stays on the right side of the rules, and our short certification covers everything you need to know.

What am I allowed to say to my client?

Keep it simple: you've joined a referral network, and if they'd like advice you can refer them. You never recommend products or providers — that's the adviser's job. Our training gives you the exact wording.

Who contacts my client, and when?

Only after your client consents. A qualified adviser from a carefully selected firm contacts them directly, within an agreed service standard, quoting the referral reference.

When do I get paid?

When the introducer fee for completed business is received, your share appears on your statement and is paid to your firm — with a self-billing invoice generated for your records. Some products also pay ongoing commission year after year.

What if my client says no?

Then nothing happens — no details are shared, and their choice is recorded. Declining never affects anything else you refer.