firstAI-nativemortgage networkThe UK's first AI-native mortgage network
Keep 95% of what you earn.
We cover your regulatory bills, and you're paid the same day the lender pays us. It's 5% of what you write, capped at £750 a month per adviser.
- Authorised and regulated by the FCA (826982)
- You can write every mortgage and protection line
- Every firm pays the same rate
Commission statement
Tuesday 14 October
- Proc fee, Halden Road purchase
- £1,840.00
- Protection, level term
- £962.50
- Proc fee, remortgage
- £1,212.00
- Refresh retention, 5%
- −£200.73
- You keep
- £3,813.77
95%
of what you earn, paid the same day
£750
is the most an adviser pays in a month
48h
to a decision, and you're trading from day 30
100%
of files are checked before they reach the lender
Why brokers are moving to Refresh
One flat rate for everyone
5% of what you write, capped at £750 a month per adviser. It's the same deal for every firm, with nothing to negotiate.
Your regulatory bills are covered
FCA fees, the levies and PI cover all come out of the 5%. There's no separate invoice and no VAT on top.
You're paid the day we are
When the lender pays us, 95% is in your account the same day. If you need it sooner, Refresh Advance pays you at exchange for around 1%.
Every case is checked before it goes to the lender
We check 100% of files before submission, so you get fewer declines and no surprises at audit.
Your website, CRM, leads and AI receptionist come with membership.
What you can write with us
You advise, we check it before submission
- Residential purchase, remortgage and product transfer
- Buy-to-let, including consumer buy-to-let
- Second-charge mortgages and regulated bridging
- Life, critical illness, income protection and private medical
- General insurance and business protection
- Small-business finance for sole traders and partnerships
Placed through our specialist partners
- Unregulated bridging and development finance
- Commercial mortgages and limited-company lending
- Asset and invoice finance
What would you keep?
Drag the slider to your annual commission. The Refresh figure already includes your regulatory bills.
£165,000
1
Yearly cost
Refresh
90/10 network
75/25 network
You keep £156,750 at Refresh — £8,250 more than a 90/10 split
Get these numbers confirmedIllustrative figures. An adviser writing £165k a year pays about £8,250 at Refresh and never more than £9,000; about £16,500 on a 90/10 split; about £41,000 at 75/25. Directly authorised costs £8–14k plus the admin.
You could be trading in about 30 days
- 1
Apply online in five minutes
Tell us about your firm and your advisers, and we'll request your references.
- 2
You'll have a decision within 48 hours
A named compliance director reviews your file and signs it off.
- 3
You're trading from day 30
We build your website, CRM and leads access while the FCA's 30-day notice runs.
25%
Know a firm that should be with us? Earn 25% of the margin on them for as long as they stay.
It's one public rate, paid monthly from the cash we've collected. A few introductions and your own membership pays for itself.
Become an introducerWhat our brokers are saying
“Since moving to Refresh Mortgage Network, we've been supported with unparalleled compliance support that's been super simple to understand. Jane has been fantastic in supporting our transition into the network, ensuring all of our regulatory requirements are reviewed and updated with ease! Refresh Mortgage Network have also helped us unlock new earnings potentials for our advisers with the ability to access a wide variety of leads which have turned out to be a great asset to our business!”
Ben Fox
Mortgage Broker, UKMC
“I wanted to express my gratitude to everyone at Refresh for ensuring a highly complex transition to their new network ran smoothly and in good time. If you are a self-employed adviser juggling multiple systems, rekeying data, and finding it all frustrating because it consumes more time than you have, you need to stop and read this. Refresh Mortgage Network have sourced a fully integrated CRM system, meaning I have a simpler process for managing my pipeline of clients - a massive time saver!”
Jon Holmes
Mortgage Broker
Spend your time with clients, not paperwork.
We take care of the admin and compliance, so you can get on with advising.