Guides for brokers
Where the line sits for a broker, what to check with your network, how to run the partnership inside your firm, and the words to use on a case.
Where the line sits for a broker, what to check with your network, how to run the partnership inside your firm, and the words to use on a case.
The line between mortgage and protection advice and pensions and investment advice, with the client questions that fall either side of it.
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What appointed representative firms should check in their network agreement before making introductions to an outside adviser.
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Roles, the first ninety days, training your mortgage advisers, and what to measure once the partnership is running.
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Six moments on a mortgage case file and wording for each that raises the planning question while staying inside your permissions.
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The steps from noticing a client's situation to their first meeting with a planner, with the consent to take and the record to keep.
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Running the protection review you already give, and handing the pension, estate and business questions it raises to a planner.
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Which past clients to contact first, what the data rules allow, how to word the message and what to record.
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Running a lifetime mortgage or retirement interest-only case so the estate, pensions and family are considered before the lending is agreed.
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How the income evidence on a self-employed or director case points to planning needs, and when to introduce the client.
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Recognising vulnerability on a mortgage case, deciding when to make an introduction, and handling consent, family and attorneys.
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Eight pages on how the partnership works, where the value comes from and how it is shared, and where the regulatory line sits for your firm.
Plain-English articles for homeowners, to send to clients when the question comes up on their case.
What overpaying and paying into a pension each do, the tax difference, and the questions that decide between them.
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Lenders do not usually require it, and a mortgage may be the largest debt a family has. What life cover is for, the difference between the main types, and how to think about how much.
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Some people reach retirement with a mortgage still running. The options when the term ends, how lenders look at borrowing in later life, and the decisions it is connected to.
Read itYour 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.