Insights
Referral guides for professional firms - spotting the moment, referring clients compliantly, and earning a share.
Showing articles tagged Financial advice — clear filter
Your FCA permissions boundary: what a broker can and can't advise on
Confident referrals start with knowing exactly where your permissions end. Here is a plain-English map of the broker's boundary a…
How to check a financial adviser on the FCA Register
Every legitimate adviser appears on the FCA Register. Every clone scam depends on you not looking. Here's the checking routine.
Turning a declined case into a referral, not a dead end
Not every declined mortgage is the end of the story. Some conceal a need you can route to a specialist, converting a loss into a …
“Do you know a good financial adviser?” — the compliant answer
You can refer. You can't advise. The gap between those two sentences is where most of the confusion lives.
The deposit that wasn't: inheritance and windfalls at mortgage stage
Inherited deposits and sudden windfalls surface at mortgage stage more often than most brokers realise. Here is how to handle the…
The buy-to-let client whose questions go beyond the mortgage
Landlords ask investor questions, and investor questions run well past the mortgage. That makes the buy-to-let client one of the …
Referral fees for mortgage brokers: what you can accept and how
A practical guide for UK mortgage brokers on accepting referral fees compliantly: what the rules actually require, how disclosure…
Redundancy and a lump sum: the referral a professional should make
A redundancy payout lands amid upheaval and rarely comes with a plan. Here is how to recognise the moment and make the introducti…
How mortgage brokers turn completions into a referral income line
A practical playbook for UK mortgage brokers: audit what you refer away for free, build referral prompts into your completion pro…
An inheritance just landed: why it's a referral, not a windfall
When a client inherits, a large sum lands amid grief and uncertainty. Here is how to recognise the moment and hand it over with c…
Idle cash: when a client's balance is a referral waiting to happen
Cash that sits still for years is often a sign that no one has looked at the bigger picture. Here is how to spot it and pass it o…
Divorce and a financial plan torn in two: your cue to refer
A separation rearranges a client's entire financial life. Here is how to recognise the moment, handle it with care, and refer.
A business sale on the horizon: the proceeds referral moment
When a client is heading toward selling their business, the proceeds are a major referral moment. Here is how to spot it early an…