Self-employment. Impaired credit history. A need for more generous income calculations. The mortgage market is changing and there's a growing need for specialist lenders to help clients buy or remortgage their home.

You can earn up to 50% of the enhanced lender procuration, depending on the partner and the type of service that you choose. The average commission for specialist residential mortgages is £727. Please contact your referral partner for more information.1



  • Your client is self-employed with one year’s accounts/SA302.
  • They're classed as a contractor.
  • They're a foreign national or ex pat.
  • They need an overseas mortgage.
  • They have an adverse credit history, including recently registered.
  • They have an unusual income stream, including pension / benefit income only.
  • They require a more generous income calculation than mainstream lenders can deliver.
  • They need a mortgage into retirement.
  • They need a capital-raising mortgage with a higher LTV.
  • They need a high LTV mortgage.
  • They need an interest only mortgage.
  • The property is high value.
  • It's of non-standard construction.
  • It's a listed building.
  • It's a flat above commercial property.
  • It's under right to buy, including high rise flats.
  • It's shared ownership.
  • It concerns a sale under value / gifted equity / gifted deposits.
  • You’re not an expert in specialist residential mortgages.
  • A lender is not available to you directly.
  • The permissions you’ve been given through your network mean you can’t advise your client directly.
  • Your professional indemnity policy doesn’t cover specialist lending.
  • Referring your client will better help you meet consumer duty regulations.

Why refer with us

Referral Pro simplifies the referrals process, making it easy for you uncover new referral opportunities, expand your offering and help more clients achieve their financial goals. 

Each of our partners is a known industry expert, checked by us before inclusion in this service. Each operates under a contractual ‘no cross / repeat sale’ policy, protecting your business and income streams. And some are rated 'Advisers Choice' by advisers like you to reflect good experiences.