Your own client relationshipsAdviser-generated business
70%Mortgage procuration fees
70%Client / broker fees
70%Protection commission
You receive 70%; HFP retains 30% on each of these core income streams.
For experienced, self-employed mortgage & protection advisers
Build your business.
With the right support behind you.
Hoskin Mortgages is a trading style of Hoskin Financial Planning Limited (HFP).
The freedom to develop your own client relationships, backed by practical support, professional infrastructure and the expertise of an established firm.
Earn 70% on business you generate yourself.
Independent in spirit. Supported in practice.
The way we work
Good advisers shouldn't have to do everything alone.
At Hoskin Mortgages, you build and look after your business. We provide the framework around you: approachable compliance, Xplan, professional systems, access to wider expertise and useful technology as it becomes available.
We're not trying to recruit the most advisers. We're interested in good advisers who care about their clients and want to build something worthwhile.
Clear from the outset
Simple, transparent commercial terms.
You should know where you stand. Our standard model makes a clear distinction between business you generate and opportunities introduced through HFP.
Introduced opportunitiesHFP-generated business
50 / 50Business generated through HFP and its relationships is shared equally.
An HFP-generated client remains HFP-generated for remuneration throughout your engagement, including repeat and subsequent business arising from that relationship.
Part of the standard proposition
Support without a routine list of extras.
There is no separate routine charge for the standard systems and infrastructure below.
✓Xplan / standard CRM
✓HFP professional email
✓Ordinary compliance and supervision infrastructure
✓HFP-provided adviser technology
Optional or additional services would only be charged where separately agreed in writing. Additional adviser tools will be introduced as they become available through HFP.
More ways to help clients
Don't turn good business away.
Client needs rarely fit into a single category. When an opportunity falls outside your current area of expertise, you should have a sensible way forward.
Secured lendingBridging financeCommercial financeDevelopment financeSpecialist lendingEquity releaseWider financial planning
Refer.
Use an HFP-approved specialist referral route when your client's requirements sit outside your permitted advice scope.
Earn.
For qualifying referrals from your own adviser-generated clients, receive 20% of referral or introducer income actually received by HFP.
Develop.
Where appropriate, build your knowledge and competence towards advising in new specialist areas, subject to HFP's formal approval.
Broader client relationships
Support beyond the mortgage.
Our close relationship with Frederick Charles Wealth Management provides a route for clients needing wider financial planning, such as pensions, investments and retirement planning.
For a qualifying FCWM introduction from your own adviser-generated client relationship, you receive 20% of the referral or introducer income actually received by HFP under the relevant arrangement.
Keep the right people involved.
The goal is to help clients access the appropriate expertise while you continue looking after the relationships you have built.
Referrals are made through approved arrangements. Specialist advice may only be given by advisers authorised and competent to do so.
A constructive approach
Compliance that supports good advice.
Strong compliance matters. We believe it should help advisers work confidently, understand expectations and address issues early — rather than feel like something done to them.
That means proportionate supervision, helpful feedback, accurate records and the confidence to ask questions when you are unsure.
Tools with a purpose
Technology that earns its place.
Xplan and HFP's professional systems provide the everyday foundations. As new adviser tools become ready, we aim to introduce technology that reduces unnecessary friction and supports better records.
We won't promise tools before they are ready. Adviser judgement and responsibility remain central.
A two-way relationship
What we ask from each other.
We ask you to…
- Look after your clients.
- Do the right thing.
- Take compliance seriously.
- Keep learning.
- Ask when you're unsure.
- Take pride in your work.
You can expect us to…
- Be approachable.
- Support your development.
- Invest in useful technology.
- Give constructive feedback.
- Respect your client relationships.
- Keep improving.
A considered joining process
Start with a conversation.
We take adviser appointments seriously without making the first step unnecessarily complicated.
01 · Let's talk
A confidential conversation about your experience, business and ambitions.
02 · Get to know each other
Application, supporting documents, due diligence and regulatory references as appropriate.
03 · Agree the arrangements
HFP assesses fitness, propriety and competence; we confirm terms and permitted advice scope.
04 · Get ready to advise
Contract, systems, induction, regulatory steps and written authorisation to start.
Questions you may have
The practical details.
Is this a self-employed position?
Yes. The proposition is for self-employed advisers engaged under HFP's consultancy arrangement, operating within HFP's regulatory framework and agreed scope of advice.
Does the 70% apply to mortgage fees and protection?
Yes. The standard 70% adviser / 30% HFP split applies to adviser-generated mortgage procuration fees, client/broker fees and protection commission, subject to the applicable agreement.
What counts as HFP-generated business?
Business introduced through HFP, its people, associated businesses or professional relationships, including FCWM. The 50/50 remuneration classification continues for the duration of the engagement, including repeat and subsequent business from that client relationship.
Will I pay extra for Xplan or standard compliance support?
There is no routine separate charge for standard Xplan/CRM, HFP email, ordinary compliance/supervision infrastructure or HFP-provided adviser technology. Any optional or additional paid service requires separate written agreement.
Can I expand into specialist advice?
Potentially, yes. You may refer cases through HFP-approved routes and, where appropriate, work towards developing competence. You may only advise in specialist areas once HFP has expressly approved your competence and scope.
How are specialist and FCWM referrals paid?
For qualifying referrals involving your own adviser-generated clients, the standard arrangement is 20% of the referral or introducer income actually received by HFP, unless otherwise agreed in writing.
What happens after our first conversation?
If both sides want to proceed, we provide the adviser guide and application process. Appointment depends on appropriate due diligence, HFP's own fitness and competence assessment, completed documentation, onboarding and written authorisation to start.
The next step
Ready for a conversation?
Whether you're already running a successful client book or looking to develop your advice business further, we're happy to talk about what matters to you and whether Hoskin Mortgages could be the right fit.
Call 07734 906264A confidential first discussion. No application form or hard sell.