One of the biggest decisions self-employed mortgage advisers face is whether to join a network or work under a Directly Authorised (DA) firm. Both have pros and cons — but the choice has a big impact on your earnings, freedom, and support.
Networks: The Pros and Cons
Pros:
– Structured environment
– Central compliance and PI cover
– Training for new advisers
Cons:
– Restricted lender panels
– High network fees
– Lower income splits
– Less flexibility on branding and marketing
Directly Authorised Firms: The Pros and Cons
Pros:
– Whole-of-market lender access (including niche and private banks)
– Higher income retention
– More freedom to build your own brand
Cons:
– Perceived less structure (depends on the firm)
– More responsibility for compliance and admin (again, depends on support)
Why Trinity Finance Is Different
We’re DA, but we provide the infrastructure and support many brokers expect from a network — without the downsides. That means:
– Whole-of-market and specialist lender access (HMO, MUFB, Development, Bridging)
– Competitive splits, keep 100% of broker & conveyancing fees
– £125/case for full admin support (from submission to completion)
– Monthly team meetings with lenders
– NACFB membership for credibility in commercial and specialist finance
So you get the best of both worlds: DA flexibility + network-level support. For advisers in London & Kent, it’s the ideal setup.
Want to know more about joining a DA firm with network-level support? [Book a confidential chat with Omer].