Fees & Commission — Competitive, Fair, and Designed for Growth

While competitive commission rates are important, they’re just one part of building a successful business.

At TERN, we understand that your earnings potential matters - which is why we’ve secured market-leading commission rates. But more than that, we believe those rewards should reflect consistent quality, commitment to the market, and a shared ambition to grow both your business and the wider later life lending sector.

Whole of Market Access. Market-Leading Commission

Unlike many traditional networks, which can struggle to secure the most competitive terms due to factors such as:

• Lower volumes of equity release business – higher volumes help secure favourable commercial terms
• Operate across multiple markets - no real or deep specialism in later life lending
• Limited specialist later life experience - restricts influence and leverage in lender negotiations

TERN takes a different approach - built on quality, consistency, and a proven compliance framework:

• A robust compliance framework proven over 12+ years
• A track record of high-quality, low-risk advice
• A commitment to full regulatory alignment

That’s why we’ve secured market-leading, whole of market commission rates — on par with Equity Release Supermarket - and have access to exclusive products and terms not available elsewhere.

TERN isn’t for casual participants. It’s built for advisers who are serious about making their mark in later life lending - professionals focused on growing their business, maximising their earnings, and delivering outstanding outcomes for their clients.

Exclusive Product Access

Through our scale, technology, and strong lender partnerships, TERN can unlock bespoke, preferential products - giving your clients access to rates and features unavailable through other firms. This helps you stay competitive, deliver better outcomes, and secure more business and revenues.

Fees — Transparent, Realistic, and Fair Value Assessed

Our approach to adviser fees is shaped by real-world outcomes and FCA fair value principles. While some firms charge extremely high advice fees without adding service value, we help you strike the right balance - combining compliance, client service, and commercial viability.

TERN supports you in setting a realistic, fair, and justifiable advice fee, tailored to your business while remaining competitive in the market.

We’ll help conduct a detailed Fair Value Assessment to benchmark your proposition, confirming that your advice model delivers strong value compared to peer firms — with:

• A fixed, transparent fee
• Clear documentation and recommendations via the Product Confirmation Letter (PCL)
• Full adviser and case support from enquiry to completion
• Access to exclusive plans and technology

This ensures your fee is both compliant and commercially sound — protecting both your income and your clients' confidence.

Weekly Commission & Fee Payments — Helping You Run Leaner

TERN doesn’t just support your advice - we help support your cash flow.

We reconcile and pay adviser commission and advice fees weekly, providing:

• Regular, predictable income – no long waits or end-of-month delays
• Improved business cash flow – especially helpful for firms managing overheads or growing teams
• Transparency and control – see exactly what you’ve earned and when it’s due

In a market where many networks delay payments or lack clarity, we put you in control of your revenue — so you can plan, invest, and grow with confidence.