Insights for mortgage brokers
Articles on the moments in your existing cases, who does what between your firm and Equity & General, and how recurring value builds.
Articles on the moments in your existing cases, who does what between your firm and Equity & General, and how recurring value builds.
Six points in an ordinary mortgage case where a wider financial conversation opens naturally, and how the introduction to Equity & General handles each one.
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How the work divides between you and E&G: what stays with you, what passes to us, and the regulatory line between introducing and advising.
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How a one-off referral fee compares with a share in the ongoing value of the advice, for your income and for what your firm is worth.
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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.
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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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What changes for the client and for you when the mortgage advice and the wealth advice come from people who talk to each other and work from the same picture.
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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.
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Why mortgage income rises and falls with the rate cycle, and why a second, recurring advice income built alongside it grows more the earlier it starts.
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The pension, tax and estate questions portfolio buy-to-let landlords face, the signs you see in their mortgage cases, and how the introduction to E&G works.
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Self-employed borrowers with irregular income: the pension, protection and tax gaps the mortgage paperwork shows you, and how the introduction to E&G works.
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The pension, surplus cash, protection and sale-planning gaps you see when arranging a company director's mortgage, and where your permission stops and ours begins.
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The advice a first-time buyer needs over the following decades, from protection now to a pension, a bigger home and an estate, and how the broker who arranged the first mortgage stays involved.
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How equity release and later-life lending affect a client's estate, and how the estate-planning conversation with E&G runs alongside the lending.
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Arranging a mortgage after a separation or divorce: you arrange the lending, and E&G advises on the pension, the protection and the will.
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When a client funds a deposit from an inheritance: the questions the rest of the money raises about investment, tax and the client's own estate, and how to offer an introduction to a bereaved client.
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The tax, ownership, protection and estate questions a second home or holiday let raises, and how E&G advises on them while you arrange the mortgage.
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At each remortgage you gather the client's whole financial picture. How to read it for pension, savings, protection and estate gaps, and open the wider conversation without giving regulated advice.
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How to use a fixed-rate maturity date as a prompt to ask the client one wider question about pensions and savings, without giving regulated advice.
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How to use product transfers, rate holds and the years between deals to offer an introduction to E&G, without giving regulated advice.
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Life, critical illness and income protection sit within your own permissions and follow straight from the mortgage. What to advise on yourself, where that stops, and how the wider planning becomes an E&G introduction.
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How introducing clients to wealth advice helps you keep them between mortgage deals, and the work one client can bring over the years.
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How to work back through the clients you placed years ago, what to look for in their files, and how each introduction to Equity & General runs.
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How to build introductions into the fact-find, the consent step, the partner portal and back-book reviews so that they happen on every suitable case.
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A comparison of the two ways to work with Pecunia: the introducer model and the partner model that shares in ongoing assets under management. Who each suits, and how to start as an introducer and move up.
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The questions a broker's compliance function, network or PI insurer raises about a wealth partnership, with the answers: the introducer agreement, where the regulated liability sits, what data moves and when, and how you stay inside your permissions.
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Who the E&G advisers are, what their advice covers, and how your client is looked after from the first call onwards.
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From 6 April 2027 most unused pension funds count towards the estate for inheritance tax. What that changes for mortgage clients who planned to pass their pension on, and where an introduction fits.
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A gifted deposit puts a second household's finances on your file. What the lender needs from the parents, what the gift does to their estate and retirement, and how to introduce them.
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A joint borrower sole proprietor mortgage adds a parent's income to a buyer's application and the full debt to the parent's name. What the parent takes on, how it meets their retirement, and where a planner comes in.
Read itClients plan to use pension tax-free cash for a deposit or to clear a mortgage. How tax-free cash works, what taking it can set off, how lenders treat it, and where the pension decision has to come first.
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An interest-only client nearing maturity needs a plan to repay the loan. The lending options you can advise on, the pension and investment questions you cannot, and why the contact should start years ahead.
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Landlords ask brokers about moving their properties into a company. The lending you can advise on, the tax and estate questions you cannot, and why a landlord's retirement plan belongs in the same conversation.
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How the four Consumer Duty outcomes apply when a broking firm introduces clients to a financial planner, and what your file should show for each.
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What happens to the mortgage after a joint borrower dies, what the surviving client needs from their broker, the pension questions that follow, and when to offer an introduction.
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A business sale changes a client's income evidence, their estate and their pension options at once. What it does to the mortgage, what it does to the planning, and why the introduction is best made before completion.
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A retirement interest-only mortgage is assessed on pension income and repaid from the estate. Why that puts the client's pensions and estate in the same decision as the loan, and how to run both pieces of advice.
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How a Lifetime ISA works on a first purchase, the timing and price limits that catch buyers out, and the savings and pension questions that follow the keys.
Read itA director's mortgage rests on the company's profits. The key person, shareholder and relevant life cover you can advise on, and the shares, estate and pension questions that belong with a planner.
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A longer term lowers the monthly payment and moves the end of the mortgage past the client's working life. What lenders ask, what your file needs to show, and where the retirement income question goes.
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Clients ask their broker whether to overpay the mortgage with a bonus or savings. The parts of that question you can answer, the comparison you cannot, and how to hand it over.
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Ten guides for brokers on where the advice line sits, networks, running the partnership inside your firm and the words to use on a case.
Plain-English articles for homeowners, to send to your clients when the question comes up on their case.
Your 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.