Technology
Research Tool – Fast, Impartial, Intelligent
Our adviser Research Tool is designed to give advisers a fast, reliable, and fully impartial way to source the right equity release plan for their clients – based on the most up-to-date whole-of-market lender criteria.
Unlike some sourcing platforms, there’s no lender ownership or attachment, so the results are always based on what’s best for your client – not what benefits the platform.
It’s built to support better outcomes, deeper insight, and a frictionless advice process from the first search to final application form.
Usability & Adviser Experience
The tool is built with advisers in mind – clear navigation, intuitive filters, and instant search results mean you can move from enquiry to recommendation in minutes. The interface is clean and responsive across devices, making it just as effective whether you’re at your desk, on a client call, or working remotely.
With smart prompts and lender-specific guidance built in, you’ll quickly find the most suitable products without wading through irrelevant results.
Key features include:
- Live lender integrations via API - Real-time data direct from lenders – ensuring product information, criteria, and rates are always live
- Built-in KFI generation - instantly generate compliant Key Facts Illustrations (KFIs) from your chosen plan
- API-driven applications - where supported, submit cases directly to lenders without leaving the platform – cutting admin time and case delays
- Granular underwriting filters - go deeper on lender-specific quirks and property features – including septic tanks, flat roofs, commercial elements, non-standard construction, and more
- Multi-product sourcing - Covers all later life lending solutions: Lifetime Mortgages, Retirement Interest-Only, Home Reversion, and Retirement Mortgages
- Smart eligibility checks - Filters products based on your client’s health, financials, repayment preferences, and property details – narrowing results to what’s genuinely suitable.
- Quick Quote facility - Ideal for live chat or early phone calls – get indicative rates and loan amounts fast, even if the client isn’t ready to share full details yet
Trusted, transparent, and adviser-first – this research tool gives you everything you need to make faster, smarter recommendations with confidence.
“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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