Your firm keeps the mortgage and the protection. Equity & General gives the regulated advice on pensions, investments and estate planning, and your firm shares in the value of the assets it looks after.
Your mortgage and protection advice carries on as now.
You see the moment first. A completion, a remortgage, a landlord adding a fourth property, a client in their fifties with a mortgage running into retirement. Each one has a pension, investment or estate question inside it.
You make the introduction. One sentence in a meeting you were already having, and the client’s consent recorded before anything is passed across.
Equity & General gives the advice. The fact-find, the recommendation, the suitability report and the regulatory responsibility sit with Equity & General.
Your firm shares in the value. As a partner, your firm shares in the long-term value of the assets under management built from your clients, for as long as they stay advised.
Your firm and Equity & General each do their own part, and your firm sees every stage in its portal.
Your firm
A partner agreement with Equity & General and a named partnership manager. Your mortgage permissions and your network arrangements stay as they are.
Your firm
Something on the case file: a client with no pension in place, an interest-only loan near its end date, an inheritance arriving, a business being sold.
Your firm
You offer the introduction, the client says yes, and the consent is recorded. Only the details the client agrees to are passed across.
Equity & General
An Equity & General financial planner contacts the client and books a first meeting, which is free. You can sit in on it.
Equity & General
The research, the recommendation, the suitability report and the ongoing service. The regulatory responsibility is Equity & General’s.
Your firm and Equity & General
Your portal shows each introduction from first contact to the advice being in place, and the value building behind it.
Pecunia adds a second kind of income to your firm, alongside the procuration fees and broker fees you earn now.
This describes how recurring income is usually valued. It is not a forecast of any firm’s results. Commercial terms are agreed individually and are not a guarantee of income.
Each of these happens inside a mortgage conversation you were already having.
A new mortgage and a new commitment, with the family’s pensions, savings and wills still to be looked at alongside it.
The completionThe client is already reviewing their finances with you, and the question of what the rest of their money is for sits next to the rate.
The remortgageSeveral properties, a company or a plan to form one, and decisions about tax, pensions and who inherits the portfolio.
The landlordThe start of a pension, a Lifetime ISA, and protection to go with the first mortgage.
The first-time buyerIncome that varies, a pension to set up or build, and a business that might be sold one day.
The self-employed clientA mortgage running into retirement, equity release, downsizing or helping the children, each with an estate planning question attached.
Later lifeCommercial terms are agreed with your firm on the partnership call.
Your firm introduces clients to Equity & General and is paid for the introductions that lead to advice.
Your firm shares in the long-term value of the assets under management built from its clients.
Your firm already meets mortgage clients at the point their finances change.
The line between mortgage and protection advice and pensions and investment advice, with the client questions on each side.
Read the guide
What to say, what to record and what is passed across to Equity & General.
Read the guide
Which past clients to contact about financial planning, and how to do it under Consumer Duty.
Read the guideYour firm keeps the mortgage and protection advice. Equity & General gives the pension, investment and estate planning advice, and a named partnership manager sets the arrangement up with you.