For mortgage brokers and brokerage owners
We will never touch your client’s mortgage. Ever.
Not this year. Not in ten years. Not if we are sold. It is written into every agreement we sign.
Which means you can finally get paid for the wealth conversation you are already having, without risking the client you spent years earning.
The Lifetime No-Mortgage Guarantee£21,600 a year on 20 mortgages a month
1,500+
five-star reviews across our group
600+
providers on our panel, genuinely whole of market
15 years
building businesses in the region
£0
mortgages written. Ever. By design.
24 hours
to first contact with your client
£50,000+
given to charity every year across our group
Founded by a mortgage broker who built and sold his own business.
The Lifetime No-Mortgage Guarantee.
Let us say the quiet part out loud. Almost every wealth firm in Britain also writes mortgages, and that is the whole reason you keep the conversation to yourself.
The reason you do not refer wealth business is not that your clients do not need it. It is that the moment your client sits down with a firm that also writes mortgages, the relationship you spent years building is quietly up for grabs.
You have done the maths. A few thousand in referral commission is not worth a client worth far more over their lifetime. So you say nothing, and everyone loses: your client keeps the underperforming pension they have forgotten about, and you leave the income on the table.
We were built specifically to solve that.
Why we can promise it
Our founder built and sold a mortgage business. He is contractually restricted from mortgage activity for years to come, and William James was deliberately built without a mortgage arm. We are not choosing not to compete with you: we structurally cannot.
“No other wealth firm in the country can put that in writing. That is precisely the point.”
The
Lifetime No-Mortgage Guarantee
In writing. Forever. Whoever owns us.
Our pledge
From the moment you introduce a client, we will never discuss, advise on, arrange or refer their mortgage. Not while they are a client. Not after. Not ever.
This is a lifetime guarantee, not a limited one. It carries no expiry date, no client cap and no small print.
It is guaranteed by William James Wealth Management Ltd, regardless of who owns this business now or in the future. It is written into every introducer agreement we sign, and it binds our successors as it binds us.
You are already having the conversation. You are just not getting paid for it.
Think about your last twenty completions. How many were self-employed, paying more tax than they need to? How many mentioned a pension from an old employer they have lost track of? How many are in their fifties with no clear idea what retirement actually looks like?
You know these things because you asked. Income, age, dependants, plans. You have already done the hardest part of a wealth conversation: you have earned the trust and you have gathered the facts.
Then the mortgage completes, and all of it goes in a drawer.
Your client loses
An old pension quietly underperforming, allowances unclaimed, no plan. Independent analysis regularly finds the majority of funds at the UK's biggest wealth firms underperform their sector average, and a lot of your clients are sitting in exactly those funds.
You lose
Thousands a year in commission on conversations you are already having, for work you have effectively already done.
Somebody else wins
A national wealth firm with a big marketing budget picks them up eighteen months later. And they do write mortgages.
£21,600 a year for a phone call you are already making.
£21,600 estimated additional income, every year.
48 referrals a yeararound 14 become clients£1,500 paid to you on each
| Mortgages / month | Referrals / year | Clients / year | Your annual income |
|---|---|---|---|
| 10 | 24 | ~7 | ~£10,800 |
| 15 | 36 | ~11 | ~£16,200 |
| 20 | 48 | ~14 | ~£21,600 |
| 30 | 72 | ~22 | ~£32,400 |
Paid on completion. No clawback structure. No waiting for renewal cycles. No invoicing, it lands automatically.
And that is before the protection business we send back to you.
Illustrative only. Based on an average referred client holding £250,000 in pension assets, our standard 3% initial advice fee, a 20% introducer share, and a 30% conversion rate from referral to completed case. Your actual income depends on the number, size and suitability of the cases you refer. Not every referral results in advice being given or a fee being payable.
We built the entire system. You provide a name and a number.
Everything between the introduction and the payment is ours to run. Nothing new lands on your desk, and nothing new lands on your team’s.
- 01
The Lifetime No-Mortgage Guarantee
In writing, in every agreement, binding on us and on anyone who owns us in future.
- 02
Co-branded marketing material
Client emails, guides and social assets carrying your brand alongside ours. Written, designed, ready to send. You write nothing.
- 03
Training for your whole team
We train your advisers and your admin staff to hear a referral in a conversation they are already having. Refreshed whenever your team changes. At our cost.
- 04
A fully integrated referral system
One form. Thirty seconds. It lands with our team instantly. No spreadsheets, no chasing, no wondering what happened.
- 05
Full visibility, end to end
You are told when we make contact, when we meet, and what the outcome was, whatever the outcome. Every referral tracked. Nothing disappears.
- 06
Automated commission
Calculated and paid the moment we receive the income. No invoicing, no reconciliation, no chasing us.
And we send business back to you.
Most referral relationships only take. This one returns work you are already licensed to write.
When we review a client’s whole financial position, we routinely find protection gaps nobody has addressed: life cover, critical illness, income protection. Families with a mortgage and no plan if the worst happens.
We do not advise on protection. So it comes straight back to you.
Every protection need we identify in a client you referred goes back to you.
Not to a panel. Not to a partner firm. Not to whoever pays us most. To you.
It means your client’s protection stays where it belongs, with the person who knows them.
Four steps. Thirty seconds of your day.
From the moment you spot it to the moment you are paid, your total involvement is one name and one number.
You spot it
An old pension. Self-employed. Just sold a business. Approaching retirement. You already know, because you already asked.
You send a name and a number
That is genuinely all we need. One form or one message.
We do everything else
We contact your client within 24 hours and offer a free, no-obligation conversation, in person or on video. Their mortgage is never mentioned. You are kept informed at every stage.
You get paid
Automatically, as soon as we receive the income. Nothing to invoice, nothing to chase.
David Kiss
Senior Wealth Manager
Independent, local, and built by someone who has sat exactly where you are sitting.
A boutique, family-run wealth business in Hampshire, part of a group with fifteen years of building and scaling businesses across the region, and over 1,500 five-star reviews across that group to show for it.
We are genuinely independent. Over 600 providers on our panel and not one in-house product to push. That matters more than it sounds: the biggest names in UK wealth management can only sell you their own funds, and independent analysis consistently finds most of those funds trailing their sector average. Your client deserves the whole market, not one firm’s shelf.
David came from a national firm where he managed portfolios worth tens of millions for individual clients. You get that capability delivered locally, by someone who answers the phone.
And our founder built and sold a mortgage business. That is why this partnership is designed the way it is, because we know exactly what your client relationship is worth, and exactly what you have been risking every time you have referred one out.
Across our group we give more than £50,000 a year to charity and are proud supporters of the Saints Foundation.
The questions brokers actually ask.
Everything worth settling before you introduce a first client.
Whose customers are they?
Yours. They stay yours. We advise them on their pensions and investments, we never touch the mortgage, and we never will. When they need a mortgage again, they come back to you, and if they ask us we tell them to.
When do I get paid?
As soon as we receive the income. It is calculated and paid automatically. No invoicing, no chasing, no waiting for a monthly run.
What do I actually have to do?
Give us a name and a number. That is it. We do the rest, contact, meeting, advice, paperwork, follow-up, and we keep you informed the whole way through.
How long is the No-Mortgage Guarantee valid for?
Forever. From the moment you introduce a client, we guarantee we will never speak to that customer about mortgages at any point. It is a lifetime guarantee, not a limited one, with no expiry, no cap and no exceptions. It is guaranteed by William James Wealth Management Ltd no matter who owns the business or where we end up in future. That commitment binds our successors exactly as it binds us.
What if my client already has a financial adviser?
Then a second opinion costs them nothing. We are whole of market, so we can review what they actually hold and tell them plainly whether it is serving them. Often it is not.
What size of client is worth referring?
Anyone with existing pensions, a business, or assets nobody has planned around. As a guide, clients with £100,000 or more in pension assets tend to benefit most, but refer anyone you are unsure about and we will tell you honestly, at no cost to you or them.
What happens if there is nothing worth doing?
We tell your client that, plainly, and we tell you. No fee, no pressure, no drawn-out process. You look good for having asked, and your client trusts you more for it.
Will you ever start offering mortgages?
No. Our founder is contractually restricted from mortgage activity for years to come, and the business was deliberately built without a mortgage arm. We are not choosing not to compete with you, we structurally cannot, and we have written it into the agreement anyway.
Do I need to be regulated to refer?
We will walk you through exactly what you can and cannot say to a client when you introduce them. It is straightforward, and it is covered in the training we provide free to your whole team.
How quickly will you contact my client?
Within 24 hours.
What if I want to stop?
Cancel any time. You keep every penny of commission on business already completed, and the No-Mortgage Guarantee still applies to every client you ever sent us. Permanently.
Fifteen minutes. Then you will know exactly what you have been leaving on the table.
No pitch and no pressure. A straight conversation with David Kiss about your client base, what you currently refer out, and what it is actually worth.
Worst case, you have lost fifteen minutes. Best case, it is the most profitable call you make this year.
Or email hello@williamjameswm.co.uk
Book a 15-minute call
Straight into David’s diary. Fifteen minutes, no preparation needed.
Live booking opens here shortly. Until then, call or email and David will come back to you within 24 hours with times that suit.