How an introduction runs
Each step of an introduction to Equity & General, from the sentence in the mortgage meeting to the update you receive, and which firm carries each step.
Each step of an introduction to Equity & General, from the sentence in the mortgage meeting to the update you receive, and which firm carries each step.
After you make an introduction, E&G contacts your client, gives the advice and reports back to you. The steps below run from the sentence at the end of a mortgage meeting to the update that reaches you weeks later, with the firm that carries each one.
An introduction starts with something in a case you are already handling: a client completing on a first home who has just started a family and holds no pension; a self-employed borrower whose income has grown for three years with nothing set aside; a landlord adding to a portfolio with no plan for the tax or the estate building behind it; a business owner remortgaging to release capital that then sits idle in a personal account; or a client in their fifties consolidating buy-to-lets who is a few years from drawing an income.
Your part at this step is to notice the moment.
The sentence is an observation and an offer. Something like: “Now the mortgage is sorted, it might help to have someone look at the pension side and what that surplus should be doing. I work with a firm who handle that.” The sentence recommends no product, provider or course of action. It offers an introduction.
That distinction is where the regulatory line sits. Under your own permissions you can advise on the mortgage and the protection that goes with it. You must not advise on pensions, investments or estate planning. Offering an introduction is not regulated advice. You are suggesting the client speak to a firm that is authorised to give it.
No detail leaves your firm until the client says yes, and the yes is recorded: the date, what they agreed can be passed on, how they want to be contacted, and whether they would like you in the first meeting. The record meets data protection requirements, and it means the client is expecting E&G’s call when it comes.
What passes across is short: the client’s name, their contact details, what you noticed, in a line or two, and any practical notes, such as that they would like you present or would rather not be called before six. Your file stays with you: your affordability work, the documents you gathered for the mortgage and the client’s wider paperwork are not handed over as a matter of routine. If E&G needs a figure, they ask the client, and the client decides what to share. Your obligations to the client are unchanged.
E&G normally makes contact within a week. The first meeting is a fact-find. It covers what the client owns, what they owe, who depends on them, and what they want their money to have done by the time they stop working. E&G does not charge for it, and products are not discussed at that stage. You are welcome in the room, and you can sit in on as many introductions as you like.
Everything from here is E&G’s responsibility: the research, the recommendation, the suitability report, the implementation, and the ongoing service that follows. The regulatory weight sits with the firm that holds the permissions, Equity & General, authorised and regulated by the Financial Conduct Authority (No. 474163). Where the advice touches something you handle, such as protection that sits alongside a policy you arranged, you are asked to confirm the position at the time.
You are told when contact was made, when the client met the adviser, and, with the client’s agreement, what was put in place. A partner portal shows every introduction and its progress, and the value building behind it, without you chasing anyone by email. The update records the result of your introduction and shows the client that you followed it through.
The sequence below is a composite, built to show the shape of the process. It does not describe a real client and does not promise any outcome.
A couple in their thirties complete on a larger home after a second child. Good joint income, a workplace pension each that neither has ever looked at, and no wills.
The broker places the mortgage and the protection to cover it, mentions the pensions and the wills, and the couple agree to an introduction.
Consent is recorded and a short introduction reaches the partnership manager.
The adviser calls the couple and books a fact-find.
You join for the first twenty minutes, then leave.
E&G prepares and presents its advice. You are asked one factual question about the protection already in place.
A summary of what was implemented reaches you, and the portal shows the relationship is live and building.
Your work across that sequence was a sentence in a meeting you were already holding, a note recording consent, twenty minutes in a room if you chose to sit in, and one short reply. The fact-find, the research, the report and the implementation were E&G’s. The client now has a second professional relationship that came through you, and its value continues after completion.
No. Your role stops at the introduction. You flag what you have seen and, with the client’s permission, pass their details to Equity & General. You do not advise on, arrange or recommend a pension, investment or estate-planning product, and you do not judge whether a course of action suits the client. Every regulated activity sits with E&G, which is authorised and regulated by the Financial Conduct Authority (No. 474163). The boundary is written into an introducer agreement.
The introduction itself is one sentence in a meeting you were already having. After that there is a short note recording consent, an optional twenty minutes if you choose to sit in on the first conversation, and the occasional factual query about protection or a figure the client has asked you to confirm. The fact-find, the research, the suitability report and the implementation are all E&G’s work.
Only what the client has agreed to. A workable introduction has the client’s name, their contact details, what you noticed, in a line or two, and any practical notes. Your mortgage file, your affordability work and the documents you gathered are not passed across as a matter of routine. If E&G needs figures, they ask the client, and the client decides what to authorise.
Then they should stay with them. You can ask when they last had a review. No data moves without their consent.
The pension, savings, will and business questions a mortgage completion leaves open, and how to raise them with a client without giving regulated advice.
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How buyers value a mortgage business, why recurring income raises that value, and how a partnership with Equity & General builds recurring income into your firm.
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.