Your clients,
looked after.
Your trail,
still paying.

The honest answer is that it depends — but in a good way, because it depends entirely on the performance of the client bank you built. The key factors are your current earnings from the book, the overall size and activity level of your client bank, and the types of business your clients typically transact.

We agree a commission split with you at the outset, before anything moves. All leads and cases are logged under your name so we can track everything transparently. You receive audit reports and pipeline statements on a weekly or monthly basis — whichever you prefer — so you can see exactly what is in the pipeline, what has completed, and what income is due to you.

Yes — this is something we discuss and agree together at the outset, and it is not a fixed take-it-or-leave-it number. We structure the commission split based on the type of business involved, because different product types carry different income profiles and workloads.

Regulated business such as residential mortgages is treated differently from non-regulated business such as buy-to-let, bridging finance, and commercial mortgages. Within those categories, each product type — residential, buy-to-let, bridging, commercial — will have its own payment guideline and split that reflects the nature of the work involved.

We are happy to sit down, go through your book in detail, and arrive at a split that feels fair to both sides. This is one of the most important conversations we have at the start of any arrangement, and we take it seriously.

The income share arrangement is agreed for a fixed term — typically structured around a period such as five years, though this is discussed and agreed based on your individual circumstances. The term is generally tied to the maturity and quality of your client bank. A long-established book with a strong history of repeat business may warrant a longer arrangement.

The type of products in your book is also a factor: mortgage clients who remortgage regularly provide a more predictable income stream over time.

We will be straightforward with you on this: if a client chooses to go to another broker or directly to a lender, we are not generating income from that transaction — and therefore neither are you. This is the nature of any performance-based income share arrangement.

However, this is precisely why the handover process matters so much. The better we introduce ourselves to your clients — with your personal endorsement, warmly and professionally — the higher the conversion rate, and the more income we both earn. We invest significant effort in that introduction process together with you.

Client retention is in our direct financial interest too, which means our goals are completely aligned with yours throughout the arrangement.

In many cases, yes — but you must take your own independent tax advice on your personal situation, and we would always encourage you to do so before making any decisions.

As a general principle, trail income received over a number of years can often be managed more efficiently from a tax perspective than a large capital lump sum received in a single tax year. Spreading income over time may allow you to make better use of allowances, reliefs, and your overall tax position in retirement.

Our core proposition is built around ongoing income share — meaning you are paid as cases complete, rather than receiving a lump sum at the point of transfer. This is the model we believe delivers the best long-term outcome for most retiring brokers.

If your personal circumstances require some form of upfront element, this is something we are open to discussing on a case-by-case basis. We would rather have that conversation openly than lose a good arrangement because the structure was not quite right for you.

The handover is one of the most important parts of the whole arrangement — and we invest significant time and effort in getting it right. The quality of the introduction directly determines how well your clients convert, and therefore how much income we both earn.

Depending on the size of your client bank, we will work with you on a programme of introduction emails, letters, or telephone calls to your existing clients. These communications come from you — introducing us as your trusted business partners who will be looking after your clients going forward. We provide the support and materials; you provide the personal relationship and the endorsement.

The tone of these introductions is warm, personal, and reassuring. Clients need to understand who we are, how we work, and that they are in safe hands.

This is one of the most important questions you can ask — and we are glad you are asking it, because it goes to the heart of how we operate.

The reality is that we deal with clients on a case-by-case basis, as and when they come to us for support. We are not processing your entire client bank in one go the moment the arrangement starts. Cases come through naturally over time as clients need mortgages, remortgages, or advice.

If at any point — for whatever reason — you decide this arrangement is not working for you or is not something you wish to continue, simply let us know. Nothing has been lost. You will have received your commission share for every case that completed during the arrangement. Upon your instruction, we will stop actively working with your client bank. There are no penalties and no ongoing obligations.

We are also transparent about client contact: if you decide you do not want us to contact certain clients, or want to pause or end the arrangement entirely, we will respect that instruction.

Our core offering covers mortgage and property finance clients only. We do not manage protection or life assurance books directly.

If your book includes a significant protection element, you have two options. You can negotiate a separate arrangement for the protection side independently with another firm of your choosing. Or if you would like, we can introduce you to a trusted specialist firm who handles exactly this kind of transition. The two deals can run completely independently and do not need to be completed at the same time.

We will not ask you to bundle everything together with us. We would rather you get the right deal for every part of your book.

Not at all — in fact the earlier you start thinking about this, the better positioned you will be. Brokers who plan ahead almost always get better outcomes than those who wait until they are ready to stop immediately.

An early conversation costs you nothing and commits you to nothing. It simply gives you a clearer picture of what your options look like, what your client bank might generate under an income-share model, and what you would need to do to prepare for a smooth transition when the time comes.

We are happy to have a completely informal, no-obligation chat — even if retirement is five or ten years away.

Completely confidential. We understand that you may not want network contacts, lender BDMs, or even your own clients to know you are considering your exit options — and we treat every conversation with absolute discretion.

Nothing discussed in our initial conversations is shared with anyone outside of Broker Exit. Nothing becomes formal until you are ready and happy to proceed.