Mortgage referrals

The property questions you can't answer — but can route

Your clients ask you about property all the time: the first-time buyer who doesn't know where to start, the landlord weighing a buy-to-let, the family whose fixed rate is about to end, the older homeowner asking about releasing equity. These are regulated mortgage conversations — you can't advise on them without permissions you don't hold, but you're the trusted professional they ask first.

SmartPeer routes each one to a vetted, FCA-regulated mortgage broker through a tracked, consented introduction. You never give advice; you make a better introduction than a name on a compliment slip — and your firm earns a disclosed share when the case completes.

What mortgage referrals cover

Residential & first-time buyers

Purchases and first mortgages — the client who needs a broker who will find the right lender, not just the nearest one.

Remortgaging

A fixed rate ending, a better deal elsewhere, equity to release for improvements — the review most people forget to do.

Buy-to-let & portfolio

Landlords buying, refinancing or expanding — specialist lending your client shouldn't navigate from a comparison site.

Later-life & equity release

Lifetime mortgages and later-life lending, handled with care and the regulated advice they require.

Why these referrals matter — to your client and your firm

Your client reaches a vetted, FCA-regulated broker instead of a comparison-site lead form
The introduction is consent-based — nobody contacts your client until they say yes, online
A disclosure letter is generated automatically for every referral, on your letterhead
You keep the relationship — SmartPeer never markets to your clients beyond the referral you initiate
Your firm earns a disclosed share of the introducer fee when the case completes
Protection often travels with a mortgage — one introduction can cover both

How it works

Consent first, the broker does the work, commission to you

You make the introduction in about a minute. Your client receives a secure link and gives their consent online before anyone contacts them — no cold calls, ever. A vetted, FCA-regulated broker takes it from there, and you watch each referral progress in your portal through to completion.

SmartPeer never gives mortgage advice itself — regulated advice comes only from the authorised brokers in our network. Your role begins and ends with the introduction, which is exactly what keeps you the trusted professional and safely outside regulated advice.

See the full referral journey ›

The model in three numbers

To join — no software or monthly fees

£0

Your share of every introducer fee

60–70%

bigger cases, bigger share

Of referrals consented, tracked and evidenced

100%

Mortgage referrals — common questions

Am I giving mortgage advice by referring?

No. Introducing a client to an FCA-regulated broker is not regulated advice — you make the introduction and the authorised broker advises. SmartPeer's approved wording keeps you the right side of that line.

Who actually advises on the mortgage?

Vetted, FCA-regulated mortgage brokers in the SmartPeer network. SmartPeer never advises your client itself.

How is my client contacted?

Only after they consent online. They receive a secure link, confirm the services they're happy to be referred for, and can opt out entirely. Nobody is ever cold-called.

How and when do I get paid?

Your firm earns a disclosed share of the introducer fee when the mortgage completes, shown on a commission statement that reconciles to the penny.