Refresh Mortgage Network

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Mortgage Network 
Onboarding Made Easy

Joining a mortgage network should be simple and hassle-free. Instead of tying you down with endless requirements, we’ve streamlined the process to ensure you won’t have to deal with any unnecessary delays.

Onboarding Process

01
Agreement and Commercial Terms
Week 1

The first step involves signing a 12-month agreement to join the Giving Mortgages Network, which includes choosing a preferred tier and agreeing on commercial terms with our Business Development Manager.

02
Documentation Submission
Week 1/2

In addition to the application form, you will be asked to submit essential documentation such as the A&L form, POA, ID, credit file, DBS, bank statements, fee structure, and fair value assessment.

03
FCA Application
Week 2

The application is submitted to the Financial Conduct Authority (FCA) to join as Appointed Representatives, contingent upon submission of documents from step 2.

04
Internal Underwriting
Week 3

Our internal underwriting team conducts due diligence, including social media and Companies House verification, to ensure the integrity of the information provided.

05
Training and Compliance Tests
Week 4

New applicants attend a 2–3 day training course covering our systems, compliance requirements and advisory processes. Upon completion, they must pass tests related to money laundering, advisor knowledge and data protection.

06
System Familiarization and Compliance
Week 5

Take time to familiarise yourself with our systems and processes whilst ensuring compliance with regulatory standards. Ongoing support is provided by our in-house compliance team.

07
Confirmation as AR and Case Submission
Week 6 & ongoing

Once the onboarding process is complete, you can then be confirmed as Appointed Representatives. You can then start submitting cases, with the first 3 mortgage and 3 protection cases subject to compliance checks. Ongoing case checks ensure continued adherence to industry standards.

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Get Started With Refresh Mortgage Network Today
Our dedicated team is here to guide you through every step of the onboarding process, ensuring you have all the knowledge, tools and support you need to succeed.
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© 2025 Refresh Mortgage Network Limited is authorised and regulated by the Financial Conduct Authority.
FCA Number: 826982
Company number: 11614569

Contact Information

  • Map Icon98-102 Buttermarket Street
    Warrington
    Cheshire WA1 2NZ
  • Phone Icon0800 118 4110
  • Mail Iconcontact@refreshnetwork.co.uk
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