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
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
Day 0
We run the checks the same day
Companies House, the FCA Register, credit, sanctions and ID checks all run automatically.
- 3
Day 0–2
You get a decision within 48 hours
A named compliance director signs off your file and you sign the AR agreement online.
- 4
Day 1
We notify the FCA on day one
We file your appointment and the FCA's 30-day clock starts.
- 5
Days 1–30
We set everything up during the 30-day notice
We build your CRM, website, Google profile, leads access and AI receptionist, and train you on it.
- 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
Exchange
Optional Refresh Advance
Completion
Lender pays Refresh
Same day
95% in your account
How the money reaches you
We match the remittance automatically and 95% lands in your account that day.
Refresh Advance, if you want it
On an exchanged purchase case we'll pay you within 24 hours for around 1%, per case and at a printed price.
What happens on each case
Nothing goes to the lender unchecked
Each file passes our 100% AI check first, and you'll get a fix-list in minutes if it doesn't.
Promotions are signed off the same day
We run an AI pre-check, a person signs it off and it's registered for you.
We'll support you from day one
Day 1
Getting you started
We'll walk you through best practice, the CRM and the leads marketplace.
Day 2
Compliance that makes sense
We'll cover the rules that matter and the paperwork lenders want.
Days 3–5
Help with your first cases
An experienced adviser is on hand while your first cases go through.
We're still here once you're up and running.
What we ask of members
All cases and client communications run through our systems, and nothing's submitted until it passes the check. Those conditions are how we cover everyone's insurance and keep the price capped.
Apply now