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How it works

Here's how joining Refresh works

It takes five minutes to apply, you'll have a decision within 48 hours and you can be trading from day 30.

  1. 1

    Day 0

    Apply, it takes five minutes

    Tell us about your firm, your advisers and the last six years, and we'll chase the references.

  2. 2

    Day 0

    Your application is scored the same day

    We score what you've told us the same day and ask for anything missing through your portal.

  3. 3

    Day 0 to 2

    You get a decision within 48 hours

    A person accountable to the FCA signs off every approval, and your decision appears in your portal.

  4. 4

    Day 1

    We notify the FCA on day one

    We file your appointment and the FCA's 30-day clock starts.

  5. 5

    Days 1 to 30

    We set you up during the 30-day notice

    Your Refresh CRM, your portal login and your advisers' logins are ready before you trade.

  6. 6

    Day 30

    You start trading on day 30

    Your first cases go through the check, and advisers joining an existing member firm start within days.

You're paid the same day the lender pays us

  1. Exchange

    Optional Refresh Advance

  2. Completion

    Lender pays Refresh

  3. Same day

    95% in your account

How the money reaches you

The lender pays Refresh, 5% comes off at source and 95% reaches your account that day, with a statement in your portal.

Refresh Advance, if you want it

Ask for it on a case and we pay you at exchange instead, for around 1% on that case.

What happens on each case

Nothing goes to the lender unchecked

Every file is checked before it goes to the lender, and anything to fix comes back as a short written list.

Promotions are approved before they go out

Every financial promotion is checked before it goes out, and the decision comes back through your portal.

Pre-submission check

Case 2041, Halden Road purchase

  • AffordabilityPassed
  • SuitabilityPassed
  • Identity and AMLPassed
  • DisclosurePassed
  • VulnerabilityPassed
  • Product fitPassed
  • FeesPassed
  • DocumentsPassed
Ready for lenderCHECKED

Everything runs in your Refresh CRM.

One system for every case

Your fact finds, sourcing and submissions live in your Refresh CRM from day one, so nothing is retyped.

Your money and referrals sit in your portal

Statements, cases and referrals are one login away, and your portal is built around your Refresh CRM.

Pass a case to another member firm.

Post what the client needs

Post the product line, postcode district, rough size and urgency, then pick your share, 20% to 50% of the net commission.

The first firm to accept takes it

The client's details stay hidden until a firm accepts. Then you both see each other's details and can message.

Your share arrives on your statement

When the case pays, your share is split before the money goes out. Refresh takes nothing extra on referrals.

Your client agrees before you post, only firms that write that line can accept, and the firm that took it can hand it back within seven days. Cases other members post come to you the same way.

Help when you need it

Your portal has a short set of answers and a message thread to Refresh. Every message gets a written reply.

What we ask of members

All cases and client communications run through your Refresh CRM, and nothing's submitted until it passes the check. Those conditions are how we cover everyone's insurance and keep the price capped.

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Keep 95%. We pay every bill.

Apply online in five minutes and you'll have a decision within 48 hours.

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