Self Employed Broker - Carl Parker

JUST YOUR BUSINESS PARTNERSHIP WITH US YOUR BUSINESS PARTNERSHIP WITH US

SELF EMPLOYED BROKER

For use with professional advisers only

YOUR BUSINESS PARTNERSHIP WITH US

ABOUT JUST MORTGAGES...

We are one of the Uk’s largest mortgage advisory companies with close to 400 Mortgage and Protection Advisers nationwide.

We are part of the Spicerhaart family. Established in 1989, Spicerhaart is one of the UK’s most innovative estate agency groups, combining the largest independent residential sales and residential lettings branch network with a rapidly growing mortgage and protection services and legal business.

Our aim is to provide you with an environment to enable you to develop and grow your business to the level you want.

Uniquely we do not believe in charging monthly fees, so if you aren’t successful then we aren’t successful.

So everything we do is geared around supporting you to be successful!

Our Self Employed Division has seen meteoric growth due to the high levels of support we provide, alongside high levels of commission.

WHAT WE ARE OFFERING Our aim is to work with you to take your Mortgage and Protection business onto the next level.

We will offer you an unrivaled package including: • • • • • • •

Business development Marketing Social media Training Lead generation Recruitment Technical support

Along with some of the highest levels of income in the industry and NO monthly charges or fees.

Upon joining you will be allocated a Sales Director who will provide you with support and development to help you take your business to the level you want it to be.

Our Sales Directors look after a maximum of 30 Brokers so you can be assured of their attention as and when you want it.

I have personally selected each Sales Director for their experience and knowledge and I know they will make a positive impact on your business.

Carl Parker National Director – Self Employed Division

Our aim is to work with you to take your Mortgage and Protection business onto the next level.

YOUR BUSINESS PARTNERSHIP WITH US

OUR CORE BELIEFS Family

Reputation

Customer Obsession

Continuous Improvement

We work together as a family for the benefit of the whole. We communicate freely, are open, honest and passionate about what we do.

We are obsessed with delivering an industry leading service both internally and externally.

Independence through Profitability

We value our independence which is maintained by generating profits sufficient to invest in our business and reward our stakeholders.

High Performance Culture

Together we aspire to the highest professional standards in our industry. We will develop our people to fulfill their potential, have a winning mindset and achieve our standards of behaviour and performance. Profitable market share is our mantra.

Our reputation is built on our high standards of honesty, integrity and professionalism, which we seek to apply in everything we do.

We continuously strive to improve, and have a thirst for enterprise and innovation.

Respect

We treat everyone as an individual; we care about each other, our partners and our communities.

HOW WE HELP YOU As a Just Mortgages Business Partner we will encourage you to exceed your clients expectations, delivering a first class service and providing the highest professional standards.

You will already know that working in Mortgage Services is hard work but as a Self Employed Mortgage and Protection Broker you will need to be extremely self motivated as you are your own dayto-day manager. This gives you complete flexibility in when and how you work.

Which is why our support will be there when you need it; importantly without any additional charges.

Supervision and Regulatory Support

• To implement TCF and maintain a compliant business Marketing Literature

• Either from our range of existing literature or bespoke to your business needs. Including weekly pre-approved Social Media posts Advertising advice

• Including social media training; which is now a major element of many of our Advisers Lead generation strategy

Sales Development

• 1 to 1 as well as group training, to help develop your skills in all key areas from lead generation to cross sales and gaining referrals Business Development

• Advice on setting up your business, business planning, budgeting, recruitment and growth strategies Comprehensive range of Mortgage Products • Including access to firms specialising in commercial lending, second charges and bridging finance Client Relationship Management

• Updating your clients on the latest news and developments and reappointing them for you when their product expiry date is near (optional)

YOUR BUSINESS PARTNERSHIP WITH US

OUR STRATEGIC PARTNER Just Mortgages is proud to partner with one of the UK’s largest financial advice businesses, Openwork.

Openwork launched in 2005, but has been present in the UK financial advice market for more than 40 years. The company is owned partly by the 600+ financial advice firms that it comprises, including Just Mortgages’ parent company Spicerhaart.

Openwork provides us with a range of great solutions for our clients, as well as an environment that allows you to thrive as a member of the Just Mortgages team: For clients:

• A broad based panel of some of the best of the UK’s lenders

• Access to specialist lenders in areas such as buyto-let, high- net-worth, self-build, adverse, equity release, secured loans and bridging finance

• An award winning panel of general insurers, via Paymentshield • Award winning protection products, via Openworks multi-tie panel

• Trusted brands known by clients and industry alike

• Choice of cover giving you and your clients extra flexibility For you:

• Telephone based support to help you place more complex cases and sort out lender issues • Market-leading technology

• A compliance infrastructure to help keep us all safe • Online marketing support

• Access to mortgage products, not otherwise available on the high street

UNPRECEDENTED OPPORTUNITIES Being a Self-Employed Mortgage and Protection Adviser not only means you decide when and where you work, it also gives you the opportunity to set your own earnings levels.

As a Just Mortgages Business Partner you have the opportunity to earn from a varied number of Income streams: • Mortgage procuration fee

• Mortgage broker fee - at a level you decide • Life commission

• General insurance commission

• Income from legal referrals • Will referral income

You can also receive income from referring clients to specialist lenders e.g. Commercial, Bridging etc.

We will also work with you to identify and establish Introducer Agreements with local Estate Agents and other lead sources.

Implementing our Digital and Social Media package is another lead generating source helping you to gain quality leads.

Together we will be better, stronger and more successful.

YOUR BUSINESS PARTNERSHIP WITH US

TESTIMONIALS FROM SOME OF OUR ADVISERS yed gives you access to 58 Just Mortgages Self Emplo main high street names, 7 lenders, including all the Officer les Director, a Compliance insurance companies, a Sa all of enwork provides you with and with the support of Op tion sional mortgage and protec the tools to become a profes service to your clients. You adviser giving a first class the m ethic is a major part of never feel alone as the tea achieve is no limit what you can company ethos and there se if you maximise all of the personally or income wise elements.

Ken Brooke

Having worked with J but wa ust Mo nting t rtgage h e s on a f l exibility it best n empl to with and fr oyed ba out tar eedom sis for the se t g o e t m s and anage lf-emp several m my bus anagem loyed a years take w in r e m of t ess ho nt, wh hat I w h e n e busin I felt just m felt w ess I ortgag flexibil as the j u e m s ity to r ped at next s opened un my tep. I the op the su b u h p s a o in rtunity ven’t l pport ess an ooked b to d hour behind a organis s c t k h h ! e o I w s cenes t ed train have t I need o gath he ing eve to for or like e n r m t s, whe m y o f r recentl a e mily an knowle ther it y addin d dge th be for approa g r a o ugh re refresh string ch bus gularl to the ing pro inesses y someth bow w d for th u c t k ing ha ith lea nowled eir pro p r g p n e tection ened to ing the self em to mak one of skills ployed e t it s o s key f ure th life an ey can igures. d contin continu A Adam u e g r l e e a arning e if Rockal t plac and gr e to st l owing. art you r

r 2016. It was a be m te ep S in ck ba here what I’d be g in w My journey started o n k m o fr t en ginning, as I w g back now, in k o o scary place in the be L n. w o n k n u e month to the n I want to, he w paid at the end of th rk o w I n. io is ade the right dec I can say I have m s are excellent. rd a w re e th d n a , to t meet who I wan Shahed Zaman

advisor with d ye lo p em lf B eing a se e the s has given m ge ga rt o M t s Ju le to ds! I am ab rl o w ll a f o t bes m al income fro ti n ta s b u s a earn at nd at times th a ys a d n o g workin y. It allows il m fa y m d n me fit arou round my ho a ry ia d y m n me to pla g that whilst knowin ts n e m it m m o c ales port of my s p u s ll fu ve a Ih king is no one loo e er h T r. ge a man ur monitoring yo er ld u o h s r u over yo an t I also ha ve u b ls ve le s s busine at I can call th m a te le b a h approac never I nd advice whe a lp e h r fo n o the team, you in jo d n a e m o need it. C it! won’ t regret en Barbara O’Bri

When I first started with J ust M ortgages and on top of th at, a s self-employe d, it was natu rally a very daunting experience and being a cautio us person did not help. Ho wever, I still ma de this choice and am please d to say I wi ll not look ba ck even without the sa fety of a gua ranteed basic income.

Why? I t’s si mple, with the number of hour s and cases I subm it, even if I we re to do less th an half as an em ployed broker I would still ma ke roughly the sa me amount. Yo u work, you ge t paid except the diff erence is the profit you ma ke is approximately double per case and wh y would you not work?

However, wh at makes this po ssible is the un believable support I get from my Sale s Director and the team. We are talking about connecting to likeminded, hard-w orking individua ls who value ea ch other and are genuin e. The opport unities are als o endless, wh at more could you ask for?

Sonia Gill

YOUR BUSINESS PARTNERSHIP WITH US

MARKETING EXAMPLES

John Smith Just Mortgages 22 May 2019 •

•••

Finding the right deal can be stressful.

We can help make it easier.

Did you know you may be able to save money if you switch your mortgage to a new deal?

This is great news for landlords!

We can give you the ongoing support you need throughout the process – from application to completion.

To discuss your buy to let* mortgage options further, please contact me on 01234 567890, or message me via Facebook.

Call us on 01234 567890.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Direct Limited Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, C03 3LD. Registered in England No. 2412345

John Smith

Mortgage & Protection Adviser

John Smith Just Mortgages 22 May 2019 •

Just Mortgages is a trading name of Just Mortgages Direct Ltd, an appointed representative of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. Registered address: Colwyn House, Sheepen Place, Colchester, Essex CO3 3LD. Company number: 2412345

Are you running out of time?

Is your current mortgage rate about to end?

You may be able to save money if you switch your mortgage to a new deal.

Take control and speak to Just Mortgages today on 01234 567890, or email john.smith@justmortgages.co.uk YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

John Smith offers professional, no obligation advice on mortgages and protection.

Whether you are buying a new property, raising capital or simply looking to remortgage existing borrowing contact John to discuss how they can help make your mortgage work for you.

Mobile: 01234 567890

Email: john.smith@justmortgages.co.uk | Website: www.justmortgages.co.uk YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE AND OTHER DEBTS SECURED AGAINST IT. Just Mortgages is a trading name of Just Mortgages Direct Ltd, an appointed representative of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority.

Just

Mortgage & Protection Advice

First Time Buyers House Purchases Remortgage Capital Raising Self Employed Let To Buy* Help To Buy Shared Ownership Self Build mortgages

*Some buy to let and let to buy mortgages are not regulated by the Financial Conduct Authority

Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Direct Limited Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, C03 3LD. Registered in England No. 2412345

Mobile: 01234 567890 Email: john.smith@justmortgages.co.uk

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22 May 2019 •

AirBnB rental income is now an acceptable source of BTL income.

Take control of your mortgage

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just my details.

John Smith Just Mortgages

Just ask John Smith 01234 567890

Debt Consolidation Buy To Let* Life Insurance Critical Illness Cover Income Protection Buildings & Contents Insurance ✔ Accident Sickness & Unemployment Cover

✔ ✔ ✔ ✔ ✔ ✔

john.smith@justmortgages.co.uk

justmortgages.co.uk

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Just

Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Direct Limited Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, C03 3LD. Registered in England No. 2412345

Mortgage & Protection Advice

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE *some buy to let and let to buy mortgages are not regulated by the Financial Conduct Authority

For a no obligation appointment at a time and location to suit you, please call John Smith on 01234 567890 or email john.smith@justmortgages.co.uk

✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔ ✔

First Time Buyers House Purchases Remortgage Capital Raising Self Employed Let To Buy* Help To Buy Shared Ownership Self Build mortgages

Debt Consolidation Buy To Let* Life Insurance Critical Illness Cover Income Protection Buildings & Contents Insurance ✔ Accident Sickness & Unemployment Cover

✔ ✔ ✔ ✔ ✔ ✔

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE *some buy to let and let to buy mortgages are not regulated by the Financial Conduct Authority

For a no obligation appointment at a time and location to suit you, please call John Smith on 01234 567890 or email john.smith@justmortgages.co.uk

All marketing examples are mockups, names and contact details are for illustrative purposes only.

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John Smith Just Mortgages

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22 May 2019 •

Just

Mortgage & Protection Advice

Are you protected if the worst happens? ✔ Life Insurance

✔ Critical Illness Cover ✔ Income Protection

✔ Buildings & Contents Insurance

✔ Accident Sickness & Unemployment Cover YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

For a no obligation appointment at a time and location to suit you, please call John Smith on 01234 567890 or email john.smith@justmortgages.co.uk Just Mortgages is a trading name of Just Mortgages Direct Limited which is an appointed representative of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Direct Limited Registered Office: Colwyn House, Sheepen Place, Colchester, Essex, C03 3LD. Registered in England No. 2412345

LEAD GENERATION The big question for most Mortgage Advisers thinking of taking the step into Self Employment or wanting to grow their existing business is ‘Where will I get leads from?’ or ‘How can I increase the number of leads?’

We support you in generating leads through 3 main avenues: Social Media

• We provide you with a Facebook Business Page and Instagram page so that you can engage with both new and existing clients • Weekly pre-approved posts on various subjects are sent to you to help increase awareness of your business

• Training on how to develop your own Social Media strategy is available from our Digital Training Manager • Technical and content support is available from our Digital Marketing Team

• By putting in place a strong Social Media strategy many of our Advisers are seeing a high level of leads each week Introducers

• We help you identify Introducers in your area • Give you advise on setting up Introducer Agreements and what level of payment is typically payable Lead Providers

• Due to our size we have negotiated substantial discounts with several Lead Provision companies. We pass this saving directly to you.

One of the first actions we take with you is to help you devise a Business Plan so that you know what level of leads you will need and then we work with you to ensure your Lead generation plan is successful through various actions including those areas listed above.

WHY BECOME A SELF-EMPLOYED MORTGAGE BROKER WITH US? Most self-employed brokers have worked in Financial Services in employed positions for a few years garnering experience and a client base, either in Estate Agents offices or Banks and Building Societies.

Many take the route of self-employment so that they can benefit from: • Flexible working hours and days – you choose when and where you work

• Non corporate approach – we won’t micro manage you but will be there when you need us to provide support and advice • Income – the majority of the income goes to you, not an employer!

However many brokers stay employed because they don’t know how or where to start to become self-employed. That’s where Just Mortgages provides a real difference to all other networks. We will provide you with advice, guidance and support in setting up your business and help you grow it!

Or you may already be a self-employed Mortgage Broker but lack the support or are unhappy with the levels of commission you receive.

By paying some of the highest levels of commission and giving you the support of a highly experienced Sales Director who has the time to help you grow your business we can support you in taking your business onto the next level.

YOUR BUSINESS PARTNERSHIP WITH US

WHY CHOOSE JUST MORTGAGES? Just Mortgages

Other Company

Directly Authorised

NO Monthly Fees

ü

û

FCA Fees

Personal Indemnity

Free

Chargeable

Chargeable

Training

Free

?

None

Compliance Support

Free

?

None

Business Manager

Free

?

None

Social Media Support

ü

?

None

Initial Marketing Pack

Free

?

None

Marketing Support

ü

?

None

Recruitment Support

Free

?

None

Accounts Support

Free

?

None

Lead Generation

ü

?

None

We don’t charge any monthly fees, we don’t know of any other company that operates this way. If you are directly authorized you pay FCA Fees.

We provide Personal Indemnity free of charge, most companies charge up to 2% of income for PI, if you are directly authorized then you have to arrange your own PI. We provide training throughout the year on various subjects, we actively listen to your feedback to provide the training you want. We never charge for our training. If you are DA then you have to source your own training to keep your knowledge up to date and compliant.

You can contact our Compliance team at any time, whether that’s the Regional Quality Manager allocated to you or our Fraud Officer. With Mortgage Fraud rife in the Industry we want to help keep you safe!

Your local Sales Director has no more than 30 Advisers allocated to them ensuring they have time to help support and develop your business. All our Sales Directors have spent years in financial services sales management.

We will set up Facebook and Instagram pages for you and provide you with information that you can post each week. Our Digital Learning Manager and Digital Marketing Team are there to support you and we provide regular training on driving leads through your social media strategy.

We provide you with an Initial Marketing pack to help get your business set up.

All our digital marketing is provided free of charge with printed material charged at cost.

If you want to grow your business and have other Advisers working for you then we will help you recruit and train the right individual. We have a dedicated recruitment team to support you. Many of our Advisers have decided to grow their business with our backing and now have numerous advisers working for them.

We provide you with a monthly Invoice showing all the income paid to you making life easy for you when putting together your annual accounts. We also chase up outstanding payments owed to you so you do not need to pay for Credit control.

We help you generate leads through various sources, Introducers, Social Media presence and discounts with Lead provision companies.

In Summary:

• Business planning support from highly experienced Business Leaders, who look after around 30 Advisers giving them time to support you when you need it.

• Helping and nurturing your business from start up to an established and growing venture • NO fees, high commission—bespoke to your business No Charge for:

• Public Indemnity

• Initial Marketing Pack • Social media training

• Facebook and Instagram business pages • Social Media content • Business planning

• Sales development • Recruitment

• Compliance and Training

• Lead generation support Plus:

• Award winning protection products

• Comprehensive range of mortgage products

YOUR BUSINESS PARTNERSHIP WITH US

NEXT STEPS

Your local Sales Director is keen to talk to you to answer any questions you have and to arrange an initial face to face introductory meeting.

Our commission structure is bespoke to your business and potential business levels, the more business you generate the higher the level of remuneration.

Contact me for more information Carl Parker

Director of Business Partnerships 07903 481 097 Carl.Parker@justmortgages.co.uk

NOTES

YOUR BUSINESS PARTNERSHIP WITH US

Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of Openwork Limited, which is authorised and regulated by the Financial  Conduct Authority.

MAY19