Build Your Own Mortgage Adviser Business
Partner with an established FCA-authorised mortgage brokerage while building your own self-employed advisory business. You retain responsibility for your clients, advice, performance and business development, supported by Trinity’s technology, compliance framework, lender relationships and adviser community.
What our advisers say
Why Partner with Trinity Finance?
Our aim is to give self-employed advisers the infrastructure to deliver good customer outcomes, manage cases efficiently and build a sustainable client bank—without having to create every system, process and support function from scratch.
Lead Opportunities and Business Development
Eligible lead opportunities may be available according to geography, capacity, expertise and business requirements. No minimum lead volume is guaranteed. We also support advisers in developing their own client and introducer relationships.
Training and Development
Ongoing lender and provider updates, structured adviser meetings, coaching, competence support and opportunities to develop residential and specialist-finance expertise.
Compliance and Case Support
Trinity provides FCA oversight, procedures, training, file supervision and case-support infrastructure. Advisers remain responsible for suitable advice, accurate records, customer outcomes and compliance with Trinity’s requirements.
Systems, Tools and Technology
Access Finova, approved Cubit Labs AI-assisted functionality, mortgage sourcing, RingCentral, Microsoft 365 and Trinity’s approved case-management and information-security systems.
Flexible UK Working
Work from Trinity’s head office or another approved UK location, using Trinity-approved systems, managed devices and secure communication channels.
What You’ll Do as a Mortgage Adviser
Your core responsibilities include:
You will build your own portfolio while working within Trinity’s authorised systems, procedures and standards.
Earn Up to 80% on Direct Business
New self-employed advisers normally start at:
After your first full calendar quarter, your Direct rate is reviewed quarterly according to eligible mortgage, personally advised protection and general-insurance income banked during the previous quarter.
Introduced business remains payable at 40%, but eligible Introduced bankings also help determine your next Direct tier.
The 75% and 80% tiers are subject to Trinity’s Quality Gate, including satisfactory customer outcomes, file quality, Finova records, training, CPD, recording compliance and protection persistency.
How the Quarterly Commission Structure Works
Your Direct rate for each calendar quarter is determined by your Qualifying Tier Bankings received by Trinity during the previous calendar quarter:
The thresholds are measured across the whole calendar quarter. The approximate monthly equivalents are £2,500, £5,000, £10,000 and £15,000, but you do not need to bank the same amount in every month.
Eligible Direct and Introduced mortgage, personally advised protection and general-insurance bankings count towards the tier. Client broker fees, conveyancing income, survey referral income, monthly adviser charges and Case Administration Charges do not count.
How business is paid
The Protection Commission Base is the lower of 200% APE and the gross provider commission actually received and allocated by Trinity.
What You’ll Get as a Self-Employed Adviser
The £245 service charge covers the standard systems and infrastructure Trinity makes available, including CRM and case-management technology, approved AI-assisted functionality, sourcing, telephony, Microsoft 365, compliance systems and information-security tools.
This is a self-employed business opportunity. Trinity does not guarantee a salary, minimum income, minimum volume of leads or minimum level of business. Your actual earnings will depend on business volumes, Direct and Introduced mix, client fees, conversion, customer retention, quality and other factors. Tax, National Insurance, clawbacks, refunds, expenses and contractual deductions may apply.
Who This Is For
Residential advisers: confident advising first-time buyers, movers, remortgage clients and landlords.
Specialist advisers: experienced in—or keen to develop within—HMOs, MUFBs, bridging, development finance, second charges, semi-commercial and commercial lending.
Ambitious self-employed advisers: looking for transparent progression, established infrastructure and the opportunity to build a sustainable client bank within an FCA-authorised firm.
Next Steps
We are looking to speak with ambitious mortgage advisers who want to grow a residential practice, develop specialist expertise or move their existing client and introducer relationships to an established brokerage platform.
FAQs
What commission rate will I start on?
New advisers normally start at 60% on eligible Direct business and 40% on eligible Introduced business. Following your first full calendar quarter, your Direct rate is determined by your Qualifying Tier Bankings in the preceding quarter.
Can I earn 80% commission?
Yes. Advisers with at least £45,000 of Qualifying Tier Bankings in the previous quarter can receive 80% on eligible Direct business, subject to the Quality Gate and the terms of the adviser agreement.
Does Introduced business count towards my tier?
Yes. Eligible Direct and Introduced mortgage, personally advised protection and GI income counts towards the tier threshold. Introduced business itself remains payable at 40%.
What charges apply?
The standard adviser service charge is £245 per month and is waived for the first 90 days for a genuine new adviser. The standard Case Administration Charge is £150 per standard mortgage or property-finance case and £50 for a pure Product Transfer.
How much of my client broker fee do I retain?
You retain 100% of the cleared client broker fee remaining after Trinity’s applicable Case Administration Charge. For example, on a £1,500 client fee for a standard case, you retain £1,350 after the £150 charge.
What does the £245 monthly charge include?
It covers access to the standard systems and infrastructure Trinity makes available, including Finova, approved Cubit Labs functionality, mortgage sourcing, RingCentral, Microsoft 365, compliance systems and information-security tools.
What does the Case Administration Charge cover?
It contributes towards Trinity’s case-management, systems, compliance and administration infrastructure. The precise scope of support and each party’s responsibilities are set out in the adviser agreement and operating procedures.
Do you provide leads?
Lead opportunities may be available depending on geography, capacity, expertise and business requirements, but no minimum volume is guaranteed. Advisers are expected to build and maintain their own client and introducer relationships.
Are you directly authorised?
Trinity Finance is a trading name of Trinity Financial Limited, which is authorised and regulated by the Financial Conduct Authority under firm reference number 793667.
Is this an employed role?
No. This is a self-employed adviser opportunity. You are responsible for your own tax, National Insurance, pension, business affairs and expenses and do not receive employee benefits. Trinity does not guarantee minimum earnings or lead volumes.
Scale Your Mortgage Business Without Building Everything Yourself
Building a successful self-employed mortgage business takes more than advising clients. It also requires compliant systems, case management, lender and provider relationships, secure communications, business development and ongoing competence.
Trinity provides an established platform so you can focus more of your time on advising clients, delivering good outcomes and growing your business.
Whether your goal is to increase case volume, deepen client retention, build introducer relationships or develop specialist-finance expertise, our infrastructure is designed to support sustainable growth.
How We Help You Scale
Join a Community of Ambitious Advisers
Self-employment does not mean working alone. Trinity advisers share knowledge, discuss lender and market developments and collaborate across residential and specialist cases.
Structured meetings, lender presentations, training and collaboration opportunities give you access to experience across a broad range of mortgage and property-finance sectors.
Are You Ready to Grow Your Business?
Whether you are an established residential adviser, a specialist broker or an ambitious adviser looking for a stronger platform, Trinity provides the systems, oversight and support designed to help you build a sustainable self-employed business.
Get in touch for a confidential conversation about your experience, client proposition and growth plans.
Contact Form
Self-Employed Mortgage Adviser Opportunities
Book an appointment with Trinity Finance: 01322 907 000
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Latest Testimonials
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Trustindex verifies that the original source of the review is Google. I have known Vijay since his time at Lloyds Bank and have maintained that relationship over the years because of the trust and confidence I have always had in his knowledge, professionalism and approach. Most recently, Vijay helped us with what was a particularly complex Buy-to-Let mortgage requirement. From the outset, he took the time to fully understand our circumstances and exactly what we were trying to achieve. His knowledge of the mortgage market and specialist property finance enabled him to navigate the complexities of the case and ultimately find the right solution for us. What particularly stands out about Vijay is his attention to detail and his ability to genuinely listen to every requirement. He does not take a one-size-fits-all approach. He explains the options clearly, keeps you informed throughout the process and is extremely thorough in ensuring that every detail is dealt with correctly. The service we received was brilliant from beginning to end, and it reinforced why I have continued to trust Vijay since first dealing with him at Lloyds many years ago. I would also like to give a special mention to James for his exceptional administrative support throughout the process. His efficiency, communication and assistance behind the scenes were greatly appreciated and contributed enormously to the overall experience. A genuinely professional and knowledgeable service. I would have no hesitation whatsoever in recommending Vijay to anyone looking for mortgage advice, particularly where the circumstances are more complex and require experience, patience and attention to detail.
Posted on Google
Florina Petecuta
Trustindex verifies that the original source of the review is Google. I had a great experience with Trinity Finance and would highly recommend them. Joe, my mortgage adviser, was amazing throughout the whole process. He was extremely knowledgeable, always quick to respond, and took the time to answer all my questions and explain everything clearly. He made the whole mortgage process feel much easier and less stressful. I also had a great experience dealing with James and the rest of the team, who were always helpful and professional. I decided to use the solicitors recommended by Trinity Finance as well, and I was very happy with them. They were knowledgeable and experienced, kept me informed throughout the process, and were always happy to answer my questions. Overall, I had a really positive experience from start to finish and would definitely recommend Trinity Finance, and Joe in particular, to anyone looking for a mortgage adviser.
Posted on Google
Charlie Watson
Trustindex verifies that the original source of the review is Google. We were lucky enough to have Alasdair guide us through the process of buying our first property. Could not recommend him enough. Explains everything clearly and simply, in a friendly manner that welcomes any questions.
Posted on Google
Sonal Patel
Trustindex verifies that the original source of the review is Google. Louis goes above and beyond, exceptional service and I would definitely use him for all future purchases
Posted on Google
David Raggett
Trustindex verifies that the original source of the review is Google. I recently worked with Lisa Ingram at trinity when going through the purchase of my first house. As a first time buyer doing it alone, I didn’t know where to begin and felt very lost by the whole process… but from my first conversation with Lisa I felt much more at ease. She took the time to explain everything to me and looked at all different kinds of options. Any time I messaged or needed to talk she’d always respond promptly or arrange a telephone call. She was very professional and thorough and I really felt like she had my best interests at heart and wanted to get me the best possible deal. From start to end she has been incredibly helpful and I can’t recommend her and trinity enough. 10/10 !!
Posted on Google
harry yorke
Trustindex verifies that the original source of the review is Google. I can’t recommend Trinity Finance enough. They made the whole mortgage process so much easier and took the stress out of everything. The team were always on hand to answer my questions, kept me updated every step of the way, and worked hard to find me the best mortgage for my situation. Their advice was clear, honest, and professional from start to finish. I always felt like they had my best interests at heart, and nothing was ever too much trouble. If you’re looking for a mortgage broker who genuinely cares Maria & Vince goes the extra mile, I’d definitely recommend Trinity Finance. Thank you for all your help over the many years
Posted on Google
Kishan Assani
Trustindex verifies that the original source of the review is Google. Excellent service!. Faisal secured us a better rate than we could find ourselves and navigated two buy-to-let mortgages effortlessly. He went beyond just finding rates - he challenged our assumptions, explained the complexity, and genuinely cared about getting us the right deal. Highly recommended for property investors.
Posted on Google
Gary Gray
Trustindex verifies that the original source of the review is Google. Nicola has been outstanding from start to finish, always willing to go the extra mile. She offered clear guidance at every step of the mortgage process and made what could have been a stressful experience feel smooth and manageable. Her support has been invaluable. I’ve already recommended Trinity Finance to family and friends and will continue to do so.
Posted on Google
Jessica Vohra
Trustindex verifies that the original source of the review is Google. I cannot recommend Bijal highly enough. From start to finish, she was incredibly helpful, professional, efficient and supportive throughout the entire mortgage process. Thank you again for all your help! Appreciate your efforts!
Posted on Google
G Zorlu
Trustindex verifies that the original source of the review is Google. Jordan was absolutely fantastic from start to finish. As a first-time flat buyer, the whole process could have been overwhelming, but Jordan made everything so straightforward and stress-free. He was always on the ball, incredibly responsive, and kept me updated every step of the way. No question was ever too much trouble, and he was always happy to explain things clearly. His professionalism, knowledge, and dedication gave me complete confidence throughout the entire mortgage process. Thanks to Jordan’s hard work, I was able to purchase my flat without any unnecessary stress. I couldn’t recommend him highly enough to anyone looking for a reliable, knowledgeable, and genuinely supportive mortgage adviser. Thank you, Jordan!
Up to 80% applies to eligible Direct business and is subject to the relevant quarterly Qualifying Tier Bankings threshold, Trinity’s Quality Gate and the adviser agreement. New advisers normally start at 60% on Direct business and 40% on Introduced business. This is a self-employed business opportunity. No minimum earnings, business volumes or lead levels are guaranteed. The remuneration and charging structure shown applies to new Trinity self-employed adviser agreements taking effect from 1 October 2026. Trinity Finance is a trading name of Trinity Financial Limited, authorised and regulated by the Financial Conduct Authority, firm reference number 793667.