Insights Hub
FAQs — Everything You Need to Know About Joining TERN
Joining TERN
What type of advisers are you looking for?
We partner with committed later life lending professionals who want to grow their business and deliver high-quality advice. While there are different ways to work with us, advisers who join TERN fully as an Individual adviser or Appointed Representative benefit from our complete technology, compliance, and growth support - and the most competitive commercial terms.
Do I need to be an existing equity release adviser to join?
Can I join if I’m currently part of another network?
What’s the joining process like and how long does it take?
Do I need to have my own FCA authorisation?
Technology & Tools
What technology will I have access to as part of TERN?
How does advisER differ from other platforms?
Do I have to use TERN’s research tool - smartER?
Does the CRM integrate with other systems I use?
Can I track my cases and leads in real time?
Will advisER help me stay compliant?
Can the tools be branded to my business?
Can I use the tools if I’m not a full member?
How secure is the client data stored in smartER?
Compliance & Training
How does TERN’s compliance oversight work?
What is TERN’s RBM (Risk-Based Monitoring) assessment?
What training will I receive before I start advising under TERN?
Is compliance support ongoing after induction?
What happens if I have a complex or unusual case?
How does TERN handle complaints?
Will I have different levels of supervision when I join?
How often will my performance be reviewed?
Commercial Terms & Fees
What does it cost to join TERN?
What’s included in the membership fee?
What commission rates can I expect?
Do commercial terms improve as I do more business?
What should I charge clients for advice?
Are there any additional costs?
Do you offer weekly commission payments?
Do you have access to exclusive products?
Business Growth & Support
How will TERN help me grow my business?
Will I have a dedicated contact for support?
Can TERN help me recruit more advisers into my business?
How will TERN’s network benefit my local market presence?
“Joining TERN gave me the freedom to grow my business on my own terms. Their structure supports independence — but never leaves you on your own.”
Partner with a network that grows with you
Ready to scale smartER? Let's talk about what’s possible. Book a call today.
