How Do I Choose the Best Mortgage Network in the UK?

When people ask me what the most underrated decision is for new mortgage brokers, I don’t hesitate—it’s choosing the right mortgage network.

This single decision shapes everything: your income, your learning curve, your confidence, your brand. Yet, many new brokers rush it. They look at commission splits, or sign up with the loudest brand on LinkedIn. I get it—I did the same.

But after working with hundreds of mortgage brokers across the UK as a business coach and brand strategist, I’ve seen the long-term impact this choice can have. Some networks lift you. Others limit you.

What Is a Mortgage Network and Why Does It Matter?

A mortgage network is a company that's directly authorised by the Financial Conduct Authority (FCA). As a new broker, you can operate under their umbrella as an Appointed Representative (AR), which gives you access to lenders, compliance support, and training.

Joining a mortgage network is often the fastest route to start advising clients, especially if you’ve recently passed your CeMAP exams and aren’t yet ready to become directly authorised.

🎥 Watch: What Happens After CeMAP: Essential Training & Support for New Mortgage Brokers

What Happens If You Join the Wrong Mortgage Network?

The wrong mortgage network won’t just slow your growth—it can derail your confidence and business. I’ve seen brokers tied into long contracts, underpaid for months, or stuck in compliance systems that stifle momentum.

Here’s what I’ve seen when brokers choose badly:

• They get stuck waiting months to achieve Competent Adviser Status (CAS)

• Their income suffers from poor commission splits or clawback policies

• Their growth stalls due to a lack of branding or marketing support

• They feel isolated, unsupported, and overwhelmed

This decision affects how fast you gain traction, how supported you feel, and how confident you become.

What Should I Look for in a Mortgage Network?

Over the years, I’ve helped brokers at every level—from new entrants to those switching networks or going directly authorised. These are the five most important areas to consider:

1. What Support Does the Mortgage Network Provide?

When you're new, support is non-negotiable. Look for:

• Training on sales, compliance, and mortgage software

• Access to Business Development Managers (BDMs)

• Help with achieving CAS quickly

• Mentoring or accountability calls

The best mortgage networks don’t just tick compliance boxes—they help you become a confident adviser.

🎥 Watch: What to Expect in Your First Year as a Mortgage Broker

2. How Quickly Can I Get CAS (Competent Adviser Status)?

You can’t give mortgage advice unsupervised until you have CAS. Some networks offer structured, accelerated paths to get you CAS-ready within a few months. Others leave you to figure it out.

Ask how many supervised cases are required and what support is in place to guide you.

🎥 Watch: What Is CAS and How Do I Get It As A Mortgage Adviser

3. What’s the Commission Split and Fee Structure?

Commission splits are a big part of the equation, but don’t get blinded by percentages alone. A 90/10 split means nothing if you’re not earning because you’re unsupported.

Ask about:

• Monthly network fees

• Software or CRM charges

• PI insurance costs

• Clawback terms on cancelled business

• Renewal commission policies

🎥 Watch: How Much Does It Cost to Become a Mortgage Broker?

4. Does the Network Help Me Generate Leads?

Some networks offer lead generation tools, while others leave you to build your own pipeline. That’s not a bad thing—some of the most successful brokers I work with generate 100% of their own leads.

Still, if you're expected to bring in clients, you should be supported with marketing training, branding tools, and strategies for social media.

🎥 Watch: How To Find Clients as a New Mortgage Broker
🎥 Also Watch: Content Marketing in Mortgage Lead Generation

5. Will I Be Able to Build My Own Brand Within the Network?

Brand freedom is essential. Your name, your face, your message—that’s what builds trust.

Some networks allow you to fully build your own brand, while others expect you to use their logos and colours. Make sure you’re building an asset that stays with you even if you move on.

🎥 Watch: Mortgage Broker Career Guide: From CeMAP to a Thriving Business

Should I Go Directly Authorised Instead of Joining a Network?

If you’ve got experience, systems, and confidence, direct authorisation gives you full control and 100% of your commission. But it also means taking on:

• Your own FCA authorisation (which takes months)

• Full compliance responsibility

• Higher start-up and admin costs

For most new brokers, a supportive network is the best place to start. But for experienced brokers looking to scale or specialise, direct authorisation may be the next step.

🎥 Watch: How to Register with the FCA as a Mortgage Broker (Step-by-Step Guide)

What Questions Should I Ask Before Choosing a Mortgage Network?

To make sure a network aligns with your goals, ask:

1. How long does it take your brokers to achieve CAS?

2. What’s your average broker income in year one?

3. Do I own my brand and clients?

4. How easy is it to leave the network if needed?

5. Do you provide any leads or marketing support?

Then speak to other brokers currently in that network. Their experience is worth more than any brochure.

What’s the Lesson Here for Business and Career Growth?

Your environment shapes your outcomes. It’s not just about hustle—it’s about having the right support around you. The network you choose becomes the lens through which you see the entire industry. So choose one that reflects your values, goals, and long-term vision.