The Real Earnings Potential of Self-Employed Mortgage Brokers in London & Kent

The current base rate has been held at 4.75%

Going self-employed as a mortgage broker can be daunting, but the earnings potential is significantly higher than employed roles — especially when you join a firm that maximises what you keep and supports you properly.

Where the Real Earnings Come From

– **Broker Fees**: At Trinity, you keep 100% of any broker fee you charge.
– **Conveyancing Income**: You also keep 100% of conveyancing referral fees.
– **Mortgages**: Competitive splits on proc fees, with whole-of-market access.
– **Protection & GI**: Cross-sell opportunities to boost client value.

The Only Fixed Cost

We charge £125 per completed mortgage case. In return, you get full admin support — packaging, chasing, valuations, offers, completions. This frees up your time to focus on advising, winning more clients, and growing your income.

Add the Extras

– Access to HMO, MUFB, Development, Bridging, Second Charge, Self-Build, Mezzanine.
– Monthly team meetings with lenders — keep your knowledge sharp and unlock new opportunities.
– NACFB membership, giving credibility in commercial and specialist markets.
– Hybrid working — home, office, or mix.

Earnings Example

A broker writing just 5 mortgages a month (average £250k loan size) with a 0.4% proc fee = £5,000. Add £500 broker fee x5 = £2,500. Add conveyancing £250 x5 = £1,250. Total: £8,750 gross. With Trinity’s structure (keeping 100% of broker fees and conveyancing), plus protection sales, you can see how earnings quickly exceed employed packages.

Want to unlock your earnings potential? [Book a confidential chat with Omer].