Business Development – Where Ambition Meets Opportunity

Turning Potential into Performance

At TERN, we believe growth isn’t just about doing more business - it’s about building something that lasts. Whether your goal is to increase case volumes, expand your team, or become a recognised name in later life lending, we’ll give you the tools, strategies, and support to make it happen.

Our approach is built on first-hand experience - the same expertise that grew Equity Release Supermarket into the UK’s No.1 whole-of-market equity release firm. And now, that proven success formula is available to ambitious advisers like you!

A Proven Growth Model

We’ve lived the journey - from starting out as a sole adviser, through unprecedented market challenges like Covid and the Liz Truss budget, to leading the industry. That experience means we can guide you through challenges, accelerate your growth, and help you achieve the success you’re aiming for.

From day one, we’ll help you:

• Adopt a growth mindset – think bigger than the next case and plan for long-term impact.
• Stay focused and driven – with a clear, achievable business plan.
• Master the fundamentals – through our TERN Academy training, giving you the confidence to advise the right way.
• Learn from experience – with one-to-one mentoring from later life lending professionals who’ve been there before.
• Build on strong foundations – using our smartER platform, proven processes, and compliance framework continually refined since 2008.

This isn’t just about doing more cases - it’s about building a sustainable, respected, and profitable business.

Strategic Support at Every Step

Your growth is our mission - and with TERN, you’re never working in isolation. You’ll have a dedicated Relationship Manager as your single point of contact, there to remove roadblocks and keep you moving forward.

They’ll coordinate with:

• IT Support – to make sure your tech always works for you.
• Marketing – to help you win and convert more clients.
• Compliance – for quick, practical case guidance when you need it.
• Leadership & Mentoring – including access to senior leadership for strategic planning and business growth advice.

This means less chasing, less frustration, and more time focusing on your clients and writing business.

Growth by Design

We don’t believe in leaving growth to chance - we build it into everything you do.

We’ll help you:

• Embed best practice from the start.
• Hit the milestones in your business plan.
• Grow case volumes without sacrificing quality.
• Expand your team and support staff with confidence.

As your business grows and your consistency increases, your commercial terms improve - driving profitability through scale. The stronger you get, the more doors will open.

Market Influence

When you grow with TERN, you’re not just increasing your numbers - you’re boosting your influence in the market.

With our scale and reputation behind you, you’ll gain:

• Access to exclusive products you won’t find elsewhere.
• The ability to offer more competitive solutions to your clients.
• Greater credibility with industry cohorts when negotiating bespoke terms.

It’s about combining your personal success with TERN’s market strength to reach opportunities that simply aren’t available to smaller, less focused networks.

Your Growth Journey

We’ve mapped out the path that our most successful advisers follow — from onboarding, to building momentum, to becoming a leading name in later life lending.