Mortgage broker network

Build your brokerage with Mortgage Lane

Join a UK-wide specialist mortgage network with lender access, practical support and commercial terms designed for ambitious self-employed brokers.

Talk to our network team See fees and commission

Joining Mortgage Lane

Mortgage Lane gives self-employed mortgage brokers the infrastructure, specialist lender relationships and ongoing support needed to develop their own client business.

You retain the flexibility of self-employment while working with a team experienced in residential, buy-to-let, bridging, commercial and other specialist lending.

What you get as a Mortgage Lane broker

A practical platform for advisers who want to spend more time helping clients and building lasting professional relationships.

Specialist lender access

Work across residential, buy-to-let, bridging and commercial cases with support for more complex borrower and property profiles.

Compliance support

Receive structured guidance that helps you work within Financial Conduct Authority requirements and maintain clear client records.

Broker technology

Use a customised CRM and established application processes to manage clients, cases and lender submissions efficiently.

Mentoring and development

Learn from experienced mortgage professionals through ongoing product updates, practical guidance and business development support.

Marketing support

Use the Mortgage Lane brand, content and marketing resources to help develop your presence and convert your own opportunities.

Flexible self-employment

Build your own client base and organise your working day while drawing on shared systems, knowledge and infrastructure.

Broker fee splits and charges

The shared table below summarises the current headline commercial terms for Mortgage Lane brokers.

Broker Fee Splits and Charges
Fee or charge	Split or amount
Broker Fees	Up to 90% \| Paid weekly
Procuration Fees	Up to 90%
Other Fees	Up to 90%
Monthly Charge	From £0 pp

Terms are subject to agreement and may depend on experience, business mix and the support required. Speak with our network team for the terms that would apply to you.

Your business, backed by shared infrastructure

As a self-employed broker, you manage your own client relationships and organise your own working day. Mortgage Lane provides the systems, lender relationships and experienced people that support the work around those conversations.

The aim is straightforward: give you room to grow an independent client business without having to recreate every process, supplier relationship and support function alone.

How joining the network works

The process gives both sides the opportunity to understand experience, goals and working fit before moving into onboarding.

Start with a conversation

Tell us about your mortgage experience, current position, specialisms and the kind of business you want to build.

Review the fit and terms

We discuss the network structure, support available, expected standards and the commercial terms relevant to your circumstances.

Complete checks and onboarding

Once both sides decide to proceed, the required professional checks, systems setup and onboarding are completed.

Launch with ongoing support

Begin working with access to the network's systems, lender relationships, product knowledge and continued business support.

Join the network

Talk to our broker network team

Tell us about your experience and the direction you want your brokerage to take. We will come back to you to discuss whether Mortgage Lane could be the right fit.

Call our team: +44 333 231 8206
Email us: [email protected]
Opening hours: Monday to Friday, 9am–6pm
Closed Saturday and Sunday

Your enquiry goes to our network team, who will get in touch to talk through how joining works.

Mortgage broker network FAQs

Can I work on my own as a mortgage broker in the UK?

A mortgage broker in the UK can work independently by choosing one of three routes: self-employed, appointed representative (AR), or directly authorised (DA). A self-employed broker runs their own business and handles their own compliance. An appointed representative operates under an authorised network that manages compliance on their behalf. A directly authorised broker registers directly with the Financial Conduct Authority (FCA).

Why should I join a mortgage network?

Joining a mortgage network gives a mortgage broker access to a wider range of mortgage products, including some not available directly to individual brokers. A mortgage network also typically provides compliance support, training, and business development tools that help a broker meet Financial Conduct Authority (FCA) regulatory requirements.

What are the best mortgage broker networks to join?

The best mortgage broker network for an individual depends on their specialism, since networks vary in the mortgage products, fee structure, and support they offer. Mortgage Lane is a mortgage broker network that specialises in buy-to-let and commercial lending, offering brokers commission splits of up to 90% and access to exclusive lending products.

How much does a self-employed mortgage broker earn in the UK?

A self-employed mortgage broker's earnings in the UK typically range from £0 to over £500,000 a year, because pay is commission-based rather than salaried. Earnings depend on the broker's transaction volume, the value of the mortgages arranged, their commission rate, market conditions, and their client base and specialisation.

What are the benefits of joining a commercial mortgage network?

Joining a commercial mortgage network gives a mortgage broker access to products and expertise specific to commercial property transactions, which typically involve larger loan amounts and more complex structures than residential mortgages. A commercial mortgage network can also expand a broker's client portfolio and earning potential.

Can you be a self-employed mortgage broker in the UK?

Yes, a mortgage broker in the UK can be self-employed, running their own business rather than working for an employer. A self-employed broker needs a recognised mortgage qualification, must meet Financial Conduct Authority (FCA) regulatory requirements, and is responsible for their own client relationships, marketing, and finances. Many self-employed brokers join a mortgage network for product access and compliance support.

How can I join a mortgage network?

A mortgage broker joins a mortgage network by applying through the network's website or contacting its membership team directly. The application process usually involves submitting professional credentials and may include an assessment or interview. Once approved, a new member completes an onboarding process covering the network's systems and compliance requirements.

Which mortgage network should I join?

The right mortgage network for a mortgage broker depends on factors including the range of products offered, the commission structure, the level of compliance support, and how well the network matches the broker's specialism, such as residential, buy-to-let, or commercial mortgages.

Is CeMAP difficult to pass?

The Certificate in Mortgage Advice and Practice (CeMAP) is considered a challenging qualification but is designed to be achievable for people new to the mortgage industry. CeMAP is split into three modules, each ending in a multiple-choice exam, and most candidates spend several months studying while balancing other commitments.

What should I look for when choosing a mortgage network to join?

When choosing a mortgage network, a mortgage broker should consider the range of mortgage products offered, the network's reputation, its training and compliance support, and its technology platform. A broker should also review the network's commission structure and any membership fees before joining.