Services
smartER Technology – Your Digital Ecosystem for Equity Release
At the heart of TERN’s value proposition is smartER Technology – a suite of digital tools developed by Equitec, built to support advisers through every step of the later life lending journey.
But this isn’t just a platform. It’s the engine room of your business – helping you generate leads, guide clients through the advice process, and access the insights you need to grow with confidence.
At the core of running your business is advisER – your all-in-one CRM, purpose-built for later life lending including Lifetime Mortgages, RIO’s, Home Reversion and Retirement Mortgages.
It creates a smooth, joined-up journey – from initial lead right through to completion and the payment of your commission and fees. Every tool works in harmony, giving you full control without the usual friction.
Key Highlights:
Whole-of-market product sourcing
Lender product information including ‘live’ interest rates, loan calculations, eligibility criteria, and product features are all built into our unique adviser research tool. The ingenuity of the ecosystem is that it’s updated centrally via both automated APIs and manual lender inputs. This ensures you always have access to the most current deals and rates without needing to switch or ‘double check’ other systems.
Integrated adviser journey
From lead capture and product sourcing to client documentation, application tracking, and post-sale updates, everything happens within one connected ecosystem. No more jumping between disconnected systems or losing time to duplication. This streamlined approach drives efficiency, freeing you to focus your energy where it matters most: building relationships and growing your business.
Automated data flow
Once lenders’ product and criteria data is updated in our ecosystem - whether via live API feeds or manual uploads, it’s instantly reflected across our B2C tools, including research tool, smartER, calculators, and comparison journeys. This ensures your client-facing platforms always show the most accurate, up-to-date options, creating a more seamless experience for both advisers and customers.
Dynamic compliance layering
Real-time checks flag gaps, inconsistencies, or potential risks as you work — helping you stay compliant without slowing you down. Because it’s all digital, compliance can log directly into your live Factfind or PCL, review the information, and discuss it with you online. No more emailing spreadsheets or waiting days for feedback — just instant collaboration, faster sign-off, and greater peace of mind.
Live MI insights
Dashboards give you up-to-the-minute visibility on your pipeline, case statuses, conversion rates, and adviser performance — so you can spot opportunities and address challenges in real time. By analysing trends early, you can take action before issues impact your business, protect cash flow, and keep growth on track.
All in all, advisER is not just software - it’s a purpose-built, later life lending ecosystem powered by Equitec. From product data to adviser insight, every layer is designed to reduce friction, safeguard compliance, and help you deliver exceptional advice with ease.
“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.”
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Ready to scale smartER? Let's talk about what’s possible. Book a call today.
