Mortgage & Legal
Referral Service
- a full circle
of support
Additional planning, delivered by specialists,
with a commercial upside for you.
If and when appropriate, our clients can choose to refer mortgage and legal work, including wills, trusts, probate and conveyancing, through our trusted connected partner.
Deliver truly holistic advice, because meaningful wealth planning can’t sit in isolation from a client’s home and property borrowing. When you understand the debt behind the assets, you’re better placed to protect what they’ve built, and help them move forward with clarity and confidence.
This allows you to:
Offer a more joined-up, holistic client experience
Avoid building and managing multiple external professional relationships
Keep referrals close, visible and trusted
Strengthen your position as the adviser coordinating the bigger picture
A stronger client proposition
Offer genuinely holistic advice, integrating lending, protection, and wills and trusts into the wider planning conversation, so every recommendation is aligned to the client’s full financial picture.
A better client experience
Your client receives specialist support, clear recommendations, and proactive case management across mortgages, protection, and estate planning, without being passed around or left chasing updates.
Time back, without losing control
We manage the process end to end while keeping you appropriately informed, so you stay in the loop without doing the heavy lifting, across lending cases and wills and trust instructions.
Reduced risk and improved outcomes
Specialist advice helps avoid common pitfalls, under insurance, unsuitable borrowing structures, missed lender criteria, and weak or outdated estate planning that can undermine long term outcomes and family intentions.
A commercial benefit
You earn from each successful application or approval, creating an additional revenue line while enhancing client value, and strengthening retention through a broader, stickier service proposition.
What you get
Why this matters for 'wealth only' advisers
Property debt is often the single biggest liability on a client’s balance sheet, and one of the biggest levers in their financial life.
If you’re advising on wealth without understanding their mortgage structure, affordability strategy, protection position, and how their assets will be held, protected, and ultimately passed on through the right wills and trusts, you’re missing material context.
This service helps you advise with greater confidence, because you’re no longer guessing around borrowing, repayment terms, protection gaps, or whether your client’s estate planning is robust enough to preserve wealth and intentions across generations.
How it works
1. Simple introduction
You refer the client to your dedicated mortgage, protection, and wills and trusts specialist, we’ll make contact and book the right consultations.
2. Fact find and discovery
Your referral partner assess goals, existing lending, property assets, affordability, protection gaps, and estate planning needs, including existing wills, trusts, and beneficiary intentions, to ensure recommendations align with the wider plan.
3. Recommendation and implementation
Your referral partner provides clear advice, handles lender selection and applications, arrange protection, and support wills and trusts solutions where appropriate, managing the process through to completion with a consistent, high quality client experience. They act as your partner adviser - including you as much or little as you wish.
4. Aligned communication
You receive appropriate updates and key outcomes across lending, protection, and estate planning, so you can incorporate the decisions into the client’s wider strategy with confidence.
Your client relationship stays exactly where it belongs... with you.
Who this is for
If you are a wealth adviser and not advising on mortgages, dont have the permissions to, or simply hate them - we have an additional income stream ready made and waiting for you.
With our referral services, Your clients receive joined up advice that considers wealth, property, and protection in one coherent strategy. You strengthen retention, elevate your proposition, and gain a revenue stream tied to successful client outcomes.
Ready to offer truly holistic advice, without adding to your workload?
Advisers who want a more complete proposition, without building an in house mortgage or legal team
Firms supporting high value clients with multiple properties, complex income, or nuanced planning needs
Advisers who care about experience, quality, and consistency, and want a partner they can trust
Let's Work
Together
0203 519 9888
Office 1, The Messenger Centre,
Crown lane
Tinwell,
Stamford.
PE9 3UF
©yoke global 2025. All rights reserved.
Registered in England & Wales Company No: 08603405
OUR VISION
At Yoke, we liberate business owners from the weight of operations – empowering them to build valuable, scalable businesses that thrive without them, so they can focus on what matters most: their clients, their growth, and their life.
Freedom Today, Value Tomorrow