Andy Cuthbert - Business Partnership Brochure

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Just your business partnership with us

For use with professional advisers only

About Just Mortgages...

We are one of the largest Mortgage & Protection Brokers in the country, we operate nationwide and have no plans to stop growing.

We are part of the Spicerhaart family who were established in 1989. Spicerhaart is one of the UK’s most innovative estate agency groups, combining the largest independent residential sales and residential lettings branch network with a rapidly growing mortgage and protection services, legal business and wealth services.

We know that choosing a home for your Mortgage & Protection Business is no easy task. Our aim, put simply, is to provide you with an environment to enable you to develop and grow your business to the level you want.

From our unique support offering to our ground breaking Digital Marketing packages, everything we do is geared around supporting you to be successful!

We will offer you an unrivalled package including:

• Business development expertise (over 200 years of combined experience!)

• Marketing

• Unique Social Media solutions

• Training

• Lead generation

• Recruitment (growing your business)

• Wealth

• Equity Release

• Business Protection

• Technical support

On your own but not alone.

Due to our stratospheric growth and success, we are able to offer all of this, coupled with some of the highest levels of income.

Our support starts the day you apply and you will be allocated your very own Business Manager who will provide you with support and development to help you take your business to the level you want it to be. Our Business Managers only look after a maximum of 30 Brokers, compared to a typical 100-150 with other firms, so you can be assured of their attention as and when you want it.

I have personally selected each Business Manager for their experience and knowledge and I know they will make a positive impact on your business.

Finally, I sincerely hope you choose Just Mortgages as a home for your Mortgage & Protection Business and look forward to working with you.

Polls suggest support is the number one priority for brokers when selecting a new network, making it our priority too!

Our core beliefs

Family

We work together as a family for the benefit of the whole. We communicate freely, are open, honest, passionate and transparent about what we do.

Customer Obsession

We are obsessed with delivering an industry leading service both internally and externally.

Independence through Profitability

We value our independence which is maintained by generating profits sufficient to invest in our business and reward our stakeholders.

High Performance Culture

Together we aspire to the highest professional standards in our industry. We will develop our people to fulfill their potential, have a winning mindset and achieve our standards of behaviour and performance. Profitable market share is our mantra.

Reputation

Our reputation is built on our high standards of honesty, integrity and professionalism, which we seek to apply in everything we do.

Continuous Improvement

We continuously strive to improve, and have a thirst for enterprise and innovation.

Respect

We treat everyone as an individual; we care about each other, our partners and our communities.

On your own but not alone.

Our strategic partner

Just Mortgages is proud to partner with one of the UK’s largest financial advice businesses, Openwork.

Openwork launched in 2005, but has been present in the UK financial advice market for more than 40 years. The company is owned partly by the 600+ financial advice firms that it comprises, including Just Mortgages’ parent company Spicerhaart.

Openwork provides us with a range of great solutions for our clients, as well as an environment that allows you to thrive as a member of the Just Mortgages team:

For clients:

• A broad based panel of some of the best of the UK’s lenders

• Access to specialist lenders in areas such as buy-to-let, high- net-worth, self-build, adverse, equity release, secured loans and bridging finance

• Access to mortgage products, not otherwise available on the high street

• An award winning panel of general insurers, via Paymentshield

• Award winning protection products, via Openworks multi-tie panel

• Trusted brands known by clients and industry alike

• Choice of cover giving you and your clients extra flexibility

For you:

• Telephone based support to help you place more complex cases and sort out lender issues

• Market-leading technology

• A compliance infrastructure to help keep us all safe

• Online marketing support

Unprecedented opportunities

Being a Self-Employed Mortgage and Protection Adviser not only means you decide when and where you work, it also gives you the opportunity to set your own earnings levels.

As a Just Mortgages Business Partner you have the opportunity to earn from a varied number of Income streams:

• Mortgage procuration fee

• Mortgage broker fee - at a level you decide

• Life commission

• General insurance commission

• Income from legal referrals

• Will referral income

We will also work with you to identify and establish Introducer Agreements with local Estate Agents and other lead sources.

Implementing our Digital and Social Media package is another lead generating source helping you to gain quality leads.

As a Just Mortgages Business Partner we will encourage you to exceed your client’s expectations, delivering a first class service and providing the highest professional standards.

You will already know that working in Mortgage Services is hard work but as a Self Employed Mortgage and Protection Broker you will need to be extremely self-motivated as you are your own day-to-day manager. This gives you complete flexibility in when and how you work. Which is why our support will be there when you need it; importantly without any additional charges.

On your own but not alone Just

available to you Supervision & Regulatory support Training & Development Marketing Literature & Advertising advice The Just Support Team Extending your licenses On your own but not alone.
the support

Shey Wade

Digital Marketing Manager

The Just Mortgages Marketing team are here to support your set up, grow and maintain your business. Amongst other services bespoke for you we offer an industry unique digital marketing package, offering marketing agency level support to our self-employed brokers in order to improve your brand awareness locally, and further as you grow.

Supervisions & Regulatory support

Liz Yates

Compliance

The compliance team at Just Mortgages exists to support you. Whatever your problem, whether it’s to do with a complex debt consolidation case, an issue with fraud, or what protection to recommend, there is somebody on hand to help. Our job is to keep your licence safe and your business running.

Business support

Ben Allkins

Business Management Support

We have a highly experienced team of business managers who are on hand to support your business needs in all shapes and sizes. Each broker will receive dedicated support and with each of the management team having been personally selected for Just Mortgages. Our managers look after a maximum of 30 brokers meaning they are always available for you.

The Just Support team

Tamihka Graham

Support Manager

The teams support involves all things from bringing you on board, bringing your admin & team members on board, hosting and arranging events & supporting your business managers in their quest to help & support you. We are a conscientious team are dedicated to creating a smooth journey for your new venture as a Self-employed Mortgage & Protection Advisor alongside continued to support in the growth and maintenance of your business.

Training and Development

The Learning and Development department recognise that advisers join Just Mortgages with a wide range of experience and skills. We also appreciate that L&D needs to be both accessible and convenient. The emphasis therefore is on offering a broad range of topics including skills, product knowledge and IT familiarisation in a range of ways from traditional training room format through to online learning or using remote video conferencing. We are here to help with your business growth and learning and bespoke our training to your needs.

Marketing Literature & Advertising advice

Just your FREE support packages

Initial consultation with Just Wealth for both you and your customers using our in house wealth firm. Pensions, investment, Inheritance tax planning and much more is available through your Just Wealth Financial Advisor.

TRAINING

We provide regular free training throughout the year covering various subjects based on adviser’s feedback and demand.

DEDICATED BUSINESS MANAGER

Our Business Managers have a plethora of experience in the mortgage industry. Each Business Manager has no more than 30 advisers allocated to their team, meaning they are dedicated to supporting you and your business.

INDIVIDUAL ASSISTANCE PROGRAMME

An IAP is a free and confidential benefit package designed to support you with personal and professional problems affecting your general well-being, health, home life or work life. We know of no other firm offering this support to their self-employed brokers.

05

BUSINESS PLANNING

Our dedicated Business Managers will help you put together a Business Plan each year tailored to your business goals. They will review this regularly and provide valuable advice and guidance to aid you in reaching your goals.

MARKETING LIBRARY

On demand content provided via our in house content library SPOS. We support you in creating & using pre-approved content to build your business and our aim is to constantly supply you with new, fresh marketing.

NEW STARTER MARKETING PACK

Aimed at helping you start up we supply Business Stationery, Leaflets & Document Wallets– free of charge. There are various other items available at cost price.

RECRUITMENT & ACCOUNTS SUPPORT

We are dedicated to supporting you in growing your business. We support you in recruiting the right people along with Accounts support making things easier for you. We pay you weekly to help with cashflow for your business.

LEAD GENERATION

We support you with tools for lead generation. From Introducers, social media to discounts with Lead provision companies.

ANNUAL CONFERENCE & GALA DINNER

Our Annual conference is a great way to network with your colleagues in a relaxed atmosphere, with opportunities to learn from many lenders and business partners attending the event.

IT SUPPORT

Dedicated IT support to aid you in keeping everything online up to date and working as it should be, you can carry on doing what you do best.

COMPLIANCE

Proving positive compliance support to the Just Mortgages family of brokers and supervisors to ensure that their business targets are met and all our clients receive a 5 star service.

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08 10 03 06 09 11

Just your extra licences

Commercial Licence

• We have partnered with Commercial Finance Brokers UK (CFBUK)

• Training course required to gain the licence

• Monthly fees payable to maintain license

• Leads available from the wider Just Mortgages broker team

Equity Release Licence

• We offer a course to help you gain your CeRER qualification if required

• Bespoke training course to help you place business & gain leads

• For those with the qualifications induction training & ongoing training is part of the package

• Annual licensing and initial fees payable*

• Leads available from the wider Just Mortgages broker team

• Supervision included

*waived for the following year if business levels are over a certain level

Business protection licence

• One day course

• Initial set up licence fee

• Leads available from the wider Just Mortgages broker team

• Supervision included

Just Wealth

• Retained Fee income of 50% - 70%

• Professional Indemnity Insurance

• Access to investment solutions

• Business Development Directors working alongside you

• Leads available

On your own but not alone.

Digital Marketing Package & Own Brand Proposition

Just Digital Marketing

Build your reputation and client base with a unique industry offering at Just Mortgages

Facebook and Google Page

Access to scheduling, reviews and analytics tools

On demand marketing team to create requested social media content

Personalised adviser page on Just Mortgages website

Unique online marketing library with personalised content

Our Own Brand Offering

On your own, but with the same dedicated support tailored just for you... with a few bonuses.

Logo and Branding

Have a vision for a logo but just not sure how to put it together? We can help!

Website

Have your own little area of the internet with a website, built and custom to you.

Social Media

Bespoke social media to your liking, all approved and ready to go!

On your own but not alone.

May 2022 - May 2023 Enquiries on the Just Mortgages Website Users on Digital Marketing Package Google Reviews for Self Employed Advisers

Marketing Examples

We offer on demand bespoke marketing via our portal.

Furthermore, we will deliver you an intial marketing pack free with items you need to get started.

[07950 245265] [jonathan.smith@justmortgages.co.uk] [justmortgages.co.uk]

Hosted by [Lauren Smith] T [07903032816] E [lauren.smith@justmortages.co.uk]

[1pm-3pm], [Saturday 7th March 2020] at [18-20 Head St, Colchester CO1 1NY]

[John Smith] [Mortgage and protection adviser] M [07710 444 205] T [01354 651 100] [john.smith@justmortgages.co.uk] Just Mortgages is a trading style of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Direct Ltd registered address: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD. Company number 2412345. ✔ First Time Buyers ✔ House Purchases ✔ Remortgage ✔ Capital Raising ✔ Self Employed ✔ Let To Buy ✔ Shared Ownership ✔ Self Build mortgages ✔ Debt Consolidation ✔ Buy To Let ✔ Life Insurance Just mortgage and protection advice We offer a whole range of no obligation advice. Book your appointment now. ✔ Critical Illness Cover ✔ Income Protection ✔ Buildings & Contents Insurance ✔ Accident & Sickness Cover *Some buy to let and let to buy mortgages are not regulated by the Financial Conduct Authority. Approved by The Openwork Partnership on 25/04/2023 ADV15428
Smith] offers professional, no obligation advice on mortgages and protection. Just Mortgages is a trading style of Just Mortgages Direct Ltd which is an appointed representative of The Openwork Partnership, trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Whether you are buying a new property, raising capital or simply looking to remortgage existing borrowing contact [John] to discuss how [he/she] can help make your mortgage work for you. Approved by The Openwork Partnership on 20/04/2023 Join me for a Q&A drop in mortgage clinic No appointment necessary
to buy your own home?
to review your repayments?
for a better deal?
rate coming to an end?
[John
Want
Need
Looking
Fixed
Approved by The Openwork Partnership on 13/04/2023 ADV6282 Expert mortgage and protection advice from professionally qualified mortgage advisers. Take control and talk to [me/John] now for a no obligation appointment at a time and location to suit you. John Smith Just Mortgages [01234 218281] [Available 8am - 10pm every day] [justmortgages.co.uk] [John Smith] [Mortgage and protection adviser] [john.smith@justmortgages.co.uk] THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR PROPERTY. YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Direct Ltd registered office: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD Registered in England & Wales No 2412345. John Smith Just Mortgages 22 May 2019 • John Smith Just Mortgages 22 May 2019 • Is your current mortgage rate about to end? You may be able to save money if you switch your mortgage to a new deal. Take control and talk to [me/us] today on [02345 678934] or email [jonathan.smith@justmortgages.co.uk] Are you running out of time? YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Finding the right deal can be stressful. We can help make it easier. ✔ First Time Buyers ✔ House Purchases Remortgage ✔ Capital Raising Self Employed ✔ Let To Buy ✔ Shared Ownership ✔ Self Build mortgages ✔ Debt Consolidation Just mortgage and protection advice ✔ Buy To Let ✔ Life Insurance ✔ Income Protection Buildings & Contents Insurance For a no obligation appointment at a time and location to suit you, please talk to [me/us] now on [01234 567890]. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST All marketing examples are mockups, names and contact details are for illustrative purposes only.

Why choose Just Mortgages?

Personal Indemnity Free Training Free Compliance Support Free Business Manager Free Social Media Support ü Initial Marketing Pack Free Marketing Support ü Recruitment Support Free Accounts Support Free Lead Generation ü Additional Licenses support ü Financial Support through our Commission Advance Scheme ü On
Just Mortgages
your own but not alone.

Additional income

There are even more ways to earn additional income through our Referral Schemes:

Credit Report

Private Medical Insurance

Homebuyer Report

Second Charge

Conveyancing

Wills

Survey Utility Warehouse

Your Business Manager will explain how you can make the most of these referral opportunities.

On your own but not alone.

Testimonials from some of our Advisers

Just Mortgages Self Employed gives you access to 58 lenders, including all the main high street names, 7 insurance companies, a Business Manager, a Compliance Officer and with the support of Openwork provides you with all of the tools to become a professional mortgage and protection adviser giving a first class service to your clients. You never feel alone as the team ethic is a major part of the company ethos and there is no limit what you can achieve personally or income wise if you maximise all of these elements.

When I first started with Just Mortgages and on top of that, as self-employed, it was naturally a very daunting experience and being a cautious person did not help. However, I still made this choice and am pleased to say I will not look back even without the safety of a guaranteed basic income. Why? It’s simple, with the number of hours and cases I submit, even if I were to do less than half as an employed broker I would still make roughly the same amount. You work, you get paid except the difference is the profit you make is approximately double per case and why would you not work?

However, what makes this possible is the unbelievable support I get from my Business Manager and the team. We are talking about connecting to like-minded, hard-working individuals who value each other and are genuine. The opportunities are also endless, what more could you ask for?

Having worked with Just Mortgages on an employed basis for several years but wanting the flexibility and freedom to manage my business how I felt it best to without targets and management, when just mortgages opened the self-employed arm of the business I jumped at the opportunity to take what I felt was the next step. I haven’t looked back! I have the flexibility to run my business and hours how I need to for my family and the support behind the scenes to gather more knowledge through regularly organised training events, whether it be for refreshing product knowledge or like recently adding a string to the bow with learning the skills to approach businesses for their protection to make sure they can continue if something happened to one of its key figures. A great place to start your self employed life and continue learning and growing. Adam Rockall

My journey started here back in September 2016. It was a scary place in the beginning, as I went from knowing what I’d be paid at the end of the month to the unknown. Looking back now, I can say I have made the right decision. I work when I want to, meet who I want to, and the rewards are excellent.

Being a self-employed advisor with Just Mortgages has given me the best of all worlds! I am able to earn a substantial income from working on days and at times that fit around my family. It allows me to plan my diary around my home commitments whilst knowing that I have full support of my sales manager. There is no one looking over your shoulder monitoring your business levels but I also have an approachable team that I can call on for help and advice whenever I need it. Come and join the team, you won’t regret it!

Ken Brooke

Next steps

Your local Business Manager is keen to talk to you to answer any questions you have and to arrange an initial face to face introductory meeting. Our commission structure is bespoke to your business and potential business levels, the more business you generate the higher the level of remuneration.

I started my career in mortgages over 30 years ago as a mortgage and protection adviser for a London estate agent.

With 12+ years experience as a successful adviser, my role evolved to supporting and developing others as Sales Manager, Director, and MD of Financial Services at a 50 branch Estate Agency before moving to larger businesses to use my experience to support the development of Advisers, teams and Sales Managers. I’ve been exceptionally fortunate over time to have therefore worked with literally 100’s of highly successful individuals and observed some superb practice which I always look to share with my colleagues.

For the last 5 years, I have had the pleasure of supporting self-employed advisers where their work-life balance has been a breath of fresh air following so many years in corporate employed world!! I’ve recently joined Just Mortgages to share my experiences and support advisers in their ambitions and have been delighted to have met so many successful advisers who thoroughly enjoy their role!

Whether you are considering a move to a self-employed role for the first time or are already self-employed and looking for improved commission splits and support, I’d be delighted to have a conversation in the strictest of confidence to discuss opportunities. Please feel free to contact me on 07587 038748, andy.cuthbert@justmortgages.co.uk or through LinkedIn.

Notes

Just Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

JUNE 2023

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