Broker Hub · Earnings calculator

Mortgage Adviser Commission Split Calculator

Is your split any good? Enter your numbers to see what you take home now, and what the same business would pay you on the self-employed roles we're recruiting for today.

Your current numbers

Proc fee plus any client fee, before your split
£
Gross commission, before your split
£
%
Network or desk fees, PI, CRM, compliance, paid leads
£

Your gross income is £0 a year.

£0

a year more on the best-matched live role.

    See the live roles Talk it through confidentially

    Illustration only. Take-home is shown before tax and assumes the same case volume and gross rates at each firm. Gross rates, lead costs and any fees vary by firm and are confirmed on a call. Nothing you enter here is stored or sent anywhere.

    How the calculator works

    It adds your mortgage income (cases × average income per case) to your protection and GI income to get your gross monthly income. Your take-home is that gross figure multiplied by your split, minus the fixed costs you pay each month. The same gross income is then run through the terms of each live self-employed role.

    A higher split is not always a better deal. Before moving, check:

    • Gross rates: 85% of a weak proc fee can pay less than 75% of a strong one.
    • Hidden fixed costs: desk fees, PI excesses, CRM, compliance and lead charges.
    • Lender and protection panel: a restricted panel can cost you cases.
    • Lead support: top-up leads can lift your case volume, and so your gross.
    • Client ownership: what happens to your clients and introducers if you leave.

    Commission split FAQs

    What is a good commission split for a self-employed mortgage adviser?

    The self-employed roles we're recruiting for pay 75% to 85% to the adviser. Whether a split is good depends on your fixed monthly costs and the firm's gross rates, not just the percentage.

    Is a higher split always better?

    No. A 75% split with no monthly fee can pay more than an 80% split with £400 a month in fees. The calculator shows this by taking your fixed costs off each figure.

    Does the split apply to protection as well as mortgages?

    Usually, but not always. Some firms pay a different rate on protection or GI, so check this for any specific offer.

    Are the figures before tax?

    Yes. Self-employed take-home is shown before income tax, National Insurance and any personal business expenses.

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