Technology
One Connected Ecosystem, Built for Later Life Lending
Equity Release Distribution Portal (ERDP) — Connecting the Entire Ecosystem
The ERDP sits at the heart of TERN’s technology infrastructure, acting as the central hub that connects lenders, advisers, introducers, and client-facing tools.
At its core is Equitec’s central product database, which stores and maintains the latest product information - updated both manually by lenders and automatically via secure API feeds.
From here, product data flows seamlessly into every part of the ecosystem:
- Lender Portal – Direct connections with lenders back-office systems to keep product details live and accurate via API.
- Research Tool – Our proprietary sourcing tool for advisers, delivering up-to-date, whole-of-market results across all later life lending products.
- smartER, Comparison Tools & Calculators – B2C facing tools that empower clients to explore their options before speaking to an adviser.
- advisER CRM – A fully integrated adviser workspace connecting lead management,factfinding, product sourcing, and case tracking.
- Client Portal – provides live application updates, document sharing, and secure messaging.
By connecting every platform in real-time, the ERDP eliminates duplication, speeds up the advice process, and ensures advisers always have the most accurate, compliant, and relevant product data at their fingertips.
One TERN Ecosystem. Endless Opportunities
At TERN, this innovative technology isn’t an add-on - it’s the foundation of how we help advisers work smarter, faster, and with greater confidence. Our proprietary advisER platform brings every part of your business into one connected ecosystem - from lead generation to factfinding, client research, documentation compliance, client communication, and commission tracking.
Because we built it in-house, specifically for later life lending, every feature is designed to cut duplication, improve accuracy, and keep your cases moving without unnecessary delays. Lenders feed their product data into our ecosystem - both manually and via API, so your research tool, client-facing calculators, and adviser workflows are always running on the most up-to-date information.
This isn’t generic “off-the-shelf” tech shoehorned into equity release. It’s the same proven technology that powers Equity Release Supermarket, the UK’s No.1 whole-of-market equity release broker - now available to help you deliver better outcomes, stronger compliance, and a more efficient business.
“The quality of leads through TERN has been outstanding. I’m having better conversations, closing faster, and growing my pipeline every month.”
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