Why Smart Brokers Refer: Adding Value Beyond the Mortgage
By GOTO
In today’s competitive mortgage landscape, clients expect more than just a loan. They’re looking for a seamless, supported homebuying journey — and advisers who can offer that extra layer of service will stand out. For mortgage brokers, that means thinking beyond the mortgage itself and into the full ecosystem that surrounds a property transaction.
One way brokers are doing this is by referring clients to trusted partners for services like conveyancing, house surveys, removals, auction support, and reservation fee options. It’s not just about ticking boxes. When done well, these referrals can make a meaningful difference to the client experience — and bring clear benefits to the adviser too.
Adding Value Without Adding Work
Traditionally, introducing clients to additional services could feel like more hassle than it’s worth. Chasing suppliers, checking on progress, managing handoffs — it’s time-consuming and introduces variables outside the broker’s control. But that’s where a solution like GOTO Group changes the equation.
When brokers refer clients through GOTO, they’re passing them to a centralised team that coordinates the entire process, end to end. GOTO works directly with a carefully vetted network of suppliers across all key services. They manage the communication and logistics between the client and the service provider, keeping everyone informed and on track. The broker stays in the loop — but not in the weeds.
This kind of streamlined coordination frees up advisers to focus on what they do best: securing the best mortgage for their client. There’s no need to spend time managing external partners, following up on emails, or fielding questions outside your area of expertise. GOTO takes care of it — and with a Trustpilot rating that reflects high levels of customer satisfaction, advisers can feel confident that their clients are in good hands.
A Better Journey for Clients
Buying a property is stressful. Your client is navigating one of the biggest financial commitments of their life, often with competing demands on their time and attention. They need trusted guidance — not just on the mortgage but across the entire journey.
That’s where your role as a broker evolves from transactional adviser to strategic partner.
By referring clients to a single, reliable source for multiple services, you’re reducing friction and helping them avoid the overwhelm of choosing unfamiliar suppliers. Instead of spending hours searching online, comparing reviews, and chasing multiple quotes, they’re connected to trusted professionals who have been vetted for quality and service.
Importantly, GOTO doesn’t just hand off the referral — they stay involved. Their team coordinates appointments, answers questions, and helps resolve any issues that arise. That level of support means fewer panicked calls to the broker and a more positive overall experience. Clients appreciate advisers who anticipate their needs and offer simple solutions.
Earning While Supporting
There’s also a practical upside for brokers. For every successful referral, advisers receive a referral fee. That turns what used to be unpaid extra work — recommending surveyors or conveyancers, for example — into a source of additional income.
But perhaps more significantly, it reinforces the broker’s value proposition. Advisers who offer a more holistic service are more likely to generate referrals themselves. Happy clients talk — and brokers who consistently make the homebuying process easier are the ones who earn repeat business and word-of-mouth growth.
Trusted Partnerships Build Long-Term Business
Thoughtful referrals are not just about convenience; they’re about trust. When you recommend a service provider, your reputation is on the line. That’s why it matters who you partner with.
In a market where differentiation matters, brokers who look beyond the mortgage and think about the whole client experience are positioning themselves for long-term success. Partnering with the right support network makes that not only possible, but profitable. So the question isn’t why refer — it’s why wouldn’t you?
For adviser use only. Please note this content has been supplied by our lender partner and as such, is their responsibility. No party shall have any right of action against Legal & General in relation to the accuracy or completeness of the information in this article.