TenetLIME Brochure

Welcome to

Multi award-winning mortgage and protection network



Your partner for prosperity

Our position within the industry means we have the influence to help shape the way it develops, and our established infrastructure and expert resources allow us to adapt to environmental changes along the way. We are committed to helping our advisers develop highly successful businesses within a robust and commercially focused regulatory framework, and ensure that they receive all the support they require to achieve this. Our close relationship with the FCA, as well as being on the board of key financial services organisations, including PIMFA and AMI, ensures we are well informed of climate changes and are able to have appropriate building blocks in place to support advisers well into the future.

TenetLime is an award-winning network built on delivering a proposition that is centric to the needs of mortgage and protection advisers and their businesses. We work in partnership with our members, offering a unique philosophy of choice and flexibility which is supported by a broad range of specialist services to help you add both value and income to your business. We’ll give you peace of mind about the future, as TenetLime is part of the long established Tenet Group, with significant cash reserves, and three major shareholders - Aviva, Standard Life Aberdeen and Aegon – we’re about as robust as it gets.

TENETLIME is part of the award-winning TENET Group and is proud to be the UK’s No.1 Financial Adviser. We are very proud that over the last few years we have won numerous industry awards, demonstrating the quality of our service to our advisers. In February 2019, Tenet were awarded as the ‘Best Network’ by Professional Adviser, and in November 2018 we were ranked as the ‘No. 1’ FT Adviser from their list of Top 100 Financial Advisers in 2018. What’s more, in 2018, we were awarded ‘Best Network’ from Money Marketing for the third time in four years. Over the last couple of years, we have also won a Business Quality Award for customer excellence from Legal & General, recognition as a Top 100 Apprenticeship Employer from the National Apprenticeship Service, an ‘exceptional’ three-star accreditation from Investor In Customers, and also a one star ‘very good’ Best Company accolade.



With Twenty7Tec you can access the UK’s fastest growing sourcing system MortgageSource, and its MortgageApply platform, which allows the seamless transfer of mortgage applications to a variety of lenders. However, if you prefer, you can use your existing software, but we believe that Twenty7Tec is best suited to cater for all the scenarios in the current mortgage market. Protection Through our protection service you will have access to leading insurers and products from across the market, but the thing that stands us out from the crowd is that our premiums are not loaded . Therefore, you will be able to offer your clients the best available terms across all areas of protection such as term assurance, income protection, critical illness cover, private medical insurance and business protection. Our protection panel includes ten leading insurers covering mainstream protection products, as well as access to insurers who provide cover for more specialist needs. And, if you don’t advise on protection, you can refer your clients to our in-house team of advisers who can take referrals from you and you will receive a share of any remuneration generated.

As a member of TenetLime you will benefit from an extensive range of valuable services and products, giving you the choice and flexibility to tailor an all-encompassing proposition to the needs of your business, both now and into the future. Mortgages As a top tier network we deliver a whole of market mortgage and second charge proposition with highly competitive procuration fees. Our excellent and strong working relationship with the lenders enables us to secure a range of high quality exclusive products that aren’t available directly from the lenders. Our comprehensive panel offers you access to over 90 lenders, covering all sectors of the mortgage market, including more specialist areas such as equity release, buy to let, help to buy and adverse credit. You will also have the support from our helpdesk who can guide you through complex cases and identify which lender/product can support all your clients’ varying needs. WHOLE-OF-MARKET SOURCING SOFTWARE We provide all firms with one free mortgage sourcing software licence via our preferred partner, Twenty7Tec, plus a discounted rate for additional licences.


General Insurance Our general insurance panel offers access to an extensive range of providers and the full spectrum of products. This includes home insurance (including for specialist needs), accident, sickness and unemployment cover, and commercial products. If you don’t offer general insurance as part of your proposition, then you could refer your clients to our in-house team and share in any remuneration generated. Research and technical support We offer a fresh approach to financial planning support where we carry out the complex and time-consuming activities, enabling you to focus on building new advice and service propositions to support your client needs and, crucially, client retention. As a member you’ll have access to our mortgage & protection helpdesk which is designed to keep you informed of the latest market developments and on call for areas of advice that are not always dealt with on a day to day basis.

Our unique Professional Indemnity Insurance (PII) As a member of TenetLime, you will benefit from our unique PII cover, which means you can access affordable cover providing you with peace of mind both during your membership and after you retire or leave. What makes our PII unique? Our PII is provided by our own captive insurance company, which means that we are able to maintain a competitive PII offering for our members, in an increasingly hardening market. We are also the only network to offering our leaving Lime members the opportunity to purchase a lifetime run off cover policy which is an important step to de-risking your business to offer long-term protection.

How our PII scheme will benefit you

Competitive rates


n Rates frozen for the last 5 years (up to 2019)

Low excess levels


n Very low claims history

n In-house legal team to provide invaluable support with claims



Quality compliance support Our wealth of experience in dealing with the FCA enables us to deliver compliance support which is approachable and proactive in an ever-changing regulatory environment. We interpret and condense the FCA’s guidance and deliver support and practical tools to enable you to run your business effectively within the regulatory framework.

Our compliance service has all areas of your business covered:

n Comprehensive compliance documentation through our member extranet system n Tried and tested compliance processes and Training & Competence scheme n Dedicated support from an experienced Compliance Manager and Training & Competence Manager

n Online testing and knowledge centre

n Regular file checks with feedback in a language you can understand

n Direct contact with compliance staff

n Advertising support and approval

n Regular updates and guidance on emerging regulatory changes

Over and above all this support, if you just want to have a chat with one of our experts about a particular area of concern, then you can speak to our Compliance Helpdesk as and when needed.


‘‘ We deliver support and practical tools to enable you to run your business effectively compliantly ’’

Adviser Development Programme Tenet Group’s Adviser Development Programme is CII accredited and delivers a variety of adviser development events and training, which includes nationwide Professional Development Meetings, Roadshows and our prestigious Annual Adviser Forum, which are all recognised for their content, quality and business value. Our events and training support provides an essential means for advisers to improve skills, knowledge and professional competence across all the business areas they specialise in, as well as networking with other advisers. In addition we can work with your business and consultants to deliver bespoke training as required. This could be through a variety of avenues such as product providers and our own training team. KEEPING YOU ON THE FRONT FOOT EVENTS AND TRAINING



Sales and Development In addition to our Compliance/T&C team, you will also be allocated an Account Manager, enabling you to get the most of your network membership and help your business grow. We also have a dedicated team of experts that can guide you through complex cases, research unusual client needs and assist you with any general enquiries. We also run numerous events across the UK throughout the year, which you can attend to find out the latest market and product developments, as well as network with key figures from Tenet, advisers and our provider and lender partners. All of this is designed to help you and your business develop.

Leading Lights celebrates our top five performing RI’s and AR’s from each quarter, and is based on business volume, business quality and mix. We recognise and celebrate advisers and firms who have consistently performed well throughout the year at our annual Adviser Forum held in December. Recruitment service If you’re looking to expand your business, we’ll take the hassle and cost out of recruiting professional advisers and support staff. We’ll advise you on the best way to get the people you need and create a strategy to do that, from writing role profiles, advertising and proactive headhunting to vetting the candidates on your behalf.


Market-leading technology Intelligent Office (iO) – a proven sales and business management system For mortgage & protection firms, Tenet is proud to provide the market-leading Intelligent Office (iO) as the core technology system for our adviser members. By joining Tenet you will have access to an award- winning system and advice journey that will add value to your business.

Why iO? iO is the most comprehensive end-to-end web-based business management system in the UK financial services market. Used by over 31% of the financial adviser market, it is an emerging force in the mortgage and protection market. Through iO, you will be able to effectively manage the full end-to-end client mortgage and protection service, underpinned by Tenet’s best practice and compliance processes. n Saves you time – iO streamlines administration processes from the initial fact find through to submitting the business n All your customers’ data and documents in one place – no need to use different systems or rekey data. n Client portal in your firm’s branding – giving customers 24/7 access to their data and enables you to interact with them securely n Access to a wide range of third party apps and tools – simply choose which ones you want to add to your iO system What are the key benefits?

Marketing support Our marketing package brings you a whole range of support such as leaflets, brochures, posters, adverts and social media across a wide range of themes, all of which is designed to give you a professional look to your brand and promote your business. Most of the template materials are available free of charge but we also work with external suppliers who specialise in providing services to advisers, and have negotiated reduced rates on support such as websites and newsletters.

Maybe most importantly for some members, we streamline compliance processes by pre- approving most of the marketing support that’s available. In the majority of cases, you just need to supply your logo and contact details which we will then add to your chosen item, and then send back to you ready for use.



How we communicate with our members

Member extranet system Our extranet is a huge resource library available 24 hours a day, 365 days of the year. Through the extranet you will be able to access all the compliance documentation you need, as well as having easy access to our wealth of additional support including product

As a network member you will have access to our programme of communications which provide you with the latest news from TenetLime, providers and the industry. We’ll keep you abreast of key matters that affect you, as well as providing guidance on changes you need to make ‘‘

research and our marketing service. Compliance updates

You will receive regular communications, which keep you abreast of key matters that affect you, as well as providing guidance on any changes you need to make to your business or processes.


Magazines Our quarterly Limelight magazine is available in both online and printed formats and is designed to keep you informed of key initiatives and developments at TenetLime, as well as bringing you the latest news and sales tips from product providers and other industry experts. Our digital only publication, Lender Insight is a bi-monthly magazine and is designed to keep Tenet advisers up- to-date with the latest trends, updates and product developments in the non-investment market. Regular emails We fully appreciate that our market is fast moving and things can change from one day to the next. Therefore, we will keep you informed of these developments as they happen via email.




We joined TenetLime, exiting PTFS as an AR due to their change of management and direction. We looked at a number of Networks and nearly joined Sesame, but ended up with a very good result! Why? 1. Not on a superficial level, but in a genuine way, the team at TenetLime took an interest in our business and wanted to help us move forward. 2. Communication is really good – whether we have had cause to talk to sales, training, compliance, authorisations, the people in finance that guided us through the nightmare known as novation or anybody else in the organisation – they are friendly and helpful. 3. Compliance procedures and documentation are different; but it all falls into place and the processes work. In summary, TenetLime wants to support their brokers and from our perspective this is really good! Michael Minter, Mortgage Steps Limited

As one of the UK’s largest mortgage and protection networks, you could stand a lot to gain and achieve additional value and income if you switch to TenetLime. Don’t just take our word for it though; here’s what some of our existing members have said about their experience of Tenet. Sea Sense joined TenetLime having looked at several different networks. We were reassured with the financial strength of the Tenet Group, which offers us the peace of mind that Tenet won’t be going anywhere anytime soon. We find TenetLime to be extremely helpful in all areas, whether it is a compliance issue or help and advice with marketing. They take a real interest in our business and we are looking forward to a period of strong growth with a network that is there to support us in achieving this goal. Rick Fuller, Sea Sense Mortgages Ltd

We have nothing but praise for the entire team at TenetLime, from our initial contact with our Recruitment Manager through to the ongoing business development support we receive. With their guidance and support our transition from Sesame network was both smooth and efficient. All our contacts with TenetLime have been dealt with in a friendly and effective manner and we feel that we are now a member of a network which has its member firms’ best interests at heart. Helen Marks - Residence Mortgages & Financial Services Ltd

Following our previous network ceasing trading and sold to Sesame unexpectedly, we found the transition to TenetLime very painless and was kept up to date with the progress of the switch. They are very easy and helpful to deal with and I can’t see myself ever moving again as the support I have had so far is second to none and they let me get on and earn my money, which is key. The other good thing is that TenetLime are constantly developing new systems and arrangements with companies to help us earn more and offer more in terms of products. Overall, I would recommend TenetLime to any mortgage, protection or financial adviser without hesitation. Mathew Kind - Kind Financial Services


If you’re an appointed representative looking to join a network that can help you go places, then you need to look no further than TenetLime. With a wide range of support and services, from market-leading product panels and quality compliance support, to a range of business development solutions, no other network is better placed to help you achieve your goals. In addition, with our wealth of experience, financial strength and strong relationship with the FCA, with TenetLime you can have peace of mind and feel secure about the future. With TenetLime it’s not just what we do that stands us out from other networks and support providers, it’s how we do it. We treat all members as individuals, as partners. And, whilst you have ultimate control over your business, our dedicated teams work behind the scenes to add value and income to your business. It’s what being your ‘partner for prosperity’ is all about. If you’d like to know more about TenetLime or meet one of our experts or a no-obligation network comparison, simply get in touch today. Call: 0800 085 0825 Visit: www.tenetlime.co.uk Email: joinus@tenetgroup.co.uk IT’S WHAT STANDS US OUT FROM THE CROWD YOUR PARTNER FOR PROSPERITY



With TenetLime you can have peace of mind and feel secure about the future


Join one of the UK’s leading networks for mortgage and protection advisers.

For an informal chat and to find out more, please contact us. Call: 0800 085 0825 Visit: www.tenetgroup.co.uk/tenetlime Email: joinus@tenetgroup.co.uk

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