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Every sale you lose to mortgage problems is revenue you do not have to lose. Mortgage Advice Bureau gives your buyers the mortgage support they need in your branch.

Mortgage Advice Bureau is the UK's leading specialist broker in estate agency financial services, with over 1,250 advisers operating across 1,800 estate agency branches. Estate agents who partner with MAB give their buyers direct access to expert mortgage advice - in branch, by phone or online - reducing the rate of aborted sales and generating additional revenue from a service their clients already need.

1250
1,250+ advisers
Specialist mortgage advisers in estate agency
1800
1,800 branches
Estate agency branches where MAB operates
90+
90+ lenders
Access to the mortgage market from a single source
Rev
Additional revenue
From financial services without the overhead

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The mortgage problem in estate agency

Mortgage failures abort your sales. In-house advice prevents it.

An estate agent's income depends on sales completing. When a buyer's mortgage falls through, everyone loses - but the agent loses twice: the commission and the time invested in the transaction. An in-branch mortgage advisory service from Mortgage Advice Bureau means your buyers get expert guidance from the moment of offer acceptance, dramatically reducing the risk of a mortgage-related fall-through.

"The buyer was declined for a mortgage three months into the transaction. The vendor is furious."

Late mortgage declines destroy transactions that could have been saved at offer stage. In-branch mortgage advice identifies affordability issues, credit history problems and product suitability early - before they abort a sale.

"We are not generating any revenue from clients financial needs."

Estate agents sit between buyers, sellers and the biggest financial transaction of their clients' lives - but most send their clients elsewhere for mortgage advice. That is a significant revenue opportunity going to a third party.

"Our buyers are using mortgage brokers who do not understand the urgency of a property transaction."

A general mortgage broker's timeline is not aligned with the pace of a property transaction. Advisers who work in estate agency branches understand that speed and communication matter to everyone in the chain.

"We want to offer mortgage services but cannot manage the compliance burden ourselves."

Setting up an in-house mortgage advisory business requires FCA authorisation, compliance management and qualified staff. MAB handles the regulatory burden so the estate agent gets the revenue benefit without the overhead.

How Mortgage Advice Bureau works with estate agents

Six elements of the MAB estate agency partnership model.

Mortgage Advice Bureau has spent years developing a partnership model specifically for estate agents - covering deployment options, technology, marketing and compliance so the estate agent gets a turnkey financial services operation.

1

Flexible adviser deployment

MAB advisers can be deployed full-time in your branch, part-time based on opportunity, or available by phone and video for branches where footfall does not justify a permanent adviser. The deployment model is agreed based on your branch size and transaction volume.

2

In-house mortgage business option

For larger agencies, MAB offers the option of setting up your own in-house mortgage business under the MAB network. Your agency employs the advisers and takes on the revenue, with MAB providing the regulatory infrastructure, compliance and back-office support.

3

Marketing and technology support

MAB provides bespoke microsites, digital collateral through platforms like Brief Your Market and website search tools and calculators - so your agency can present a professional mortgage service offering to clients online as well as in branch.

4

Online training for your team

Estate agency staff receive online training modules explaining how to introduce the mortgage service to buyers and vendors naturally in conversation. Face-to-face training sessions are available for branches where this is needed.

5

Lead referral and progress tracking

MAB's system supports lead referral from estate agency staff and provides online progress updates for both agents and management. Estate agents can see the status of mortgage applications for transactions in their pipeline.

6

Transparent commercial model

MAB operates on a transparent commercial model. Commission can be a fixed fee per mortgage or a percentage of revenue generated. MAB commits to being completely transparent on the commercial aspects so estate agents fully understand what they are generating.

How an estate agent gets started with Mortgage Advice Bureau

From initial conversation to in-branch mortgage service - five steps.

MAB's onboarding process for estate agents is faster than most expect. The introducer model takes no more than a week to establish. The appointed representative model requires six weeks.

1

Initial conversation

A conversation with the MAB team to understand your agency's size, transaction volume and what you want the mortgage service to achieve. MAB presents the options - introducer model, in-house model or a combination - and recommends the best fit.

2

Commercial model agreement

The commercial terms are agreed - whether commission is fixed fee or revenue percentage, how the adviser deployment works and what marketing and technology support is included. MAB is transparent on all aspects.

3

Onboarding and setup

The introducer process takes no more than a week. The appointed representative model requires around six weeks. MAB handles the regulatory and technology setup so your branch can begin referring clients immediately.

4

Staff training

Estate agency staff complete MAB's online training modules covering how to introduce the mortgage service to buyers and sellers. Optional face-to-face training sessions are available for branches that want a more hands-on approach.

5

Active referrals and revenue generation

Your team begins referring buyers to the MAB adviser. The adviser operates from your branch (or remotely, depending on deployment model), provides expert mortgage guidance and generates commission revenue for your agency from every completed mortgage.

The Kerfuffle member offer

Kerfuffle members can explore the Mortgage Advice Bureau partnership through the Kerfuffle network.

Mortgage Advice Bureau is listed on Kerfuffle with 5 reviews at 4.8 stars. Members can access the full profile and connect with the MAB team to explore what an estate agency partnership would look like for their branches.

What Kerfuffle members can access

  • Full MAB profile on Kerfuffle - 5 reviews at 4.8 stars
  • Introduction via the Kerfuffle account manager team
  • Conversation on which deployment model suits your branch
  • Marketing and technology support included in the partnership
  • Online staff training for lead referral
Kerfuffle member route
Revenue share
Commission per mortgage or percentage of revenue

MAB's commercial model is transparent and agreed up front. Commission can be a fixed fee per completed mortgage or a percentage of revenue generated. The estate agent does not pay for the advisory service - it generates revenue. Contact the MAB team through the Kerfuffle network to understand the specific terms for your branch.

More on Kerfuffle

Dig into the data before you book a demo.

Mortgage Advice Bureau's Kerfuffle profile (5 reviews, 4.8 stars) and contact details are on the Kerfuffle profile - open in a new tab.

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Book a conversation

Find out how this supplier could work for your agency.

A short call with the Kerfuffle team will help you understand the supplier's fit for your business and how to access any member terms on offer.

Find out what in-branch mortgage services would mean for your agency's revenue and sale completion rate.

A conversation with the MAB team to cover your branch size, transaction volume, current fall-through rate and what a mortgage advisory partnership would generate for your agency commercially.

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Frequently asked questions

Common questions from estate agents.

Do I need to be a large agency to partner with Mortgage Advice Bureau?
No. MAB works with agencies of all sizes. For smaller branches where a full-time adviser is not justified, MAB can provide a part-time or phone-based adviser. The deployment model is agreed based on your transaction volume and what makes commercial sense.
What is the difference between the introducer model and the appointed representative model?
In the introducer model, your agency refers clients to MAB and receives a referral fee per mortgage. Setup takes no more than a week. In the appointed representative model, your agency sets up its own in-house mortgage business under the MAB network, employing advisers and generating a larger share of the mortgage revenue. This model requires around six weeks to establish.
Does MAB handle the FCA compliance burden?
Yes. MAB provides the regulatory infrastructure and compliance management so estate agents do not need to manage FCA authorisation independently. This removes the most significant barrier to estate agents offering mortgage services directly.
How does an in-branch mortgage service reduce aborted sales?
When a buyer is connected with a mortgage adviser at the point of offer acceptance, affordability issues, credit history problems and product suitability questions are identified early. Problems that would have aborted a transaction three months in are resolved - or the buyer's position is correctly scoped - before they become a chain-breaking issue.
What products does MAB advise on beyond mortgages?
MAB advisers also advise on life assurance, critical illness cover, income protection, buildings and contents insurance. These additional financial products provide further revenue for the estate agent and a more complete service for the client.
How do Kerfuffle members connect with Mortgage Advice Bureau?
Members can view the full MAB profile on Kerfuffle - with 5 reviews at 4.8 stars - and contact the team through the Kerfuffle network. Use the button on this page to book a conversation about what an estate agency partnership would look like.
About this supplier

Mortgage Advice Bureau - The UK's leading specialist broker in estate agency financial services.

Mortgage Advice Bureau was built specifically for the estate agency market. With over 1,250 mortgage advisers operating across 1,800 estate agency branches throughout the UK, MAB has more experience of estate agency financial services partnerships than any other mortgage intermediary. The company provides flexible deployment options - from full-time in-branch advisers to phone-based services - alongside marketing technology, compliance infrastructure and training for estate agency staff.

1,250+
Specialist advisers in estate agency
1,800
Estate agency branches where MAB operates
90+
Lenders accessible through the MAB network
0
Cost to the estate agent - revenue model only
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Every buyer your agency introduces to a mortgage adviser is a sale better protected from falling through.

Mortgage Advice Bureau partners with estate agents to provide expert in-branch mortgage guidance. Fewer aborted sales. More revenue. A better service for your clients.

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