Thinking about leaving your mortgage network—or wondering if you should stay and push for change? We walk through a clear, practical way to make the call without burning bridges or bleeding income. You’ll learn how to separate short‑term frustration from long‑term fit, the exact contract clauses that shape your exit, and the steps that protect your pipeline, renewals, and client trust during a move.
We start with the big trap: reacting to a bad month or peer pressure. Then we dig into the paperwork that actually decides outcomes—exit fees, notice periods, commission freezes, client ownership, novation rights, and those quiet costs like PI run‑off and data transfer fees. We also unpack restrictive covenants in plain English, including what non‑dealing means in practice and how client choice fits within your obligations. From there, we pivot to reasons you might stay: strong compliance support, reliable tech, fair fees, and a culture that matches your standards. If the issues are fixable, we show you how to ask for change; if they’re structural, we lay out a precise plan to leave well.
Finally, we map the move itself: coordinating authorization dates to reduce downtime, completing file checks, safeguarding data legally, and communicating with clients at the right time with the right message. We share what to look for in a new home beyond the headline split—transparent terms, consistent compliance, integrated technology, and real coaching and marketing support. Whether you decide to stay or switch, you’ll finish with a checklist that keeps you in control, protects your reputation, and aligns your business with your values.
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I help employed mortgage brokers go self-employed with clarity, confidence and one-to-one mentoring. Find out how Pathways or Coaching works at craigskelton.co.uk
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