Equity Release Group has launched a specialist adviser network aimed at helping firms expand their later life lending propositions as regulatory pressures and market complexity continue to increase.

TERN – The Equity Release Network – has been developed over the past three years and is designed to support both established equity release specialists and mortgage advisers looking to enter or grow within the later life lending market.

The launch comes as advisers face growing Consumer Duty obligations, increasing product complexity and rising demand for specialist retirement lending advice.

Equity Release Group said TERN combines technology, compliance oversight, structured training, lead generation and business consultancy within a single network proposition designed specifically for the later life sector

STRATEGIC EXPANSION

The move also marks a strategic expansion for the group beyond its traditional consumer and introducer support model into direct adviser infrastructure and network services.

TERN provides advisers with integrated CRM technology, sourcing systems, client-facing comparison tools and case management functionality tailored to equity release and later life lending advice.

The proposition also includes structured onboarding through the TERN Academy training programme, risk-based compliance supervision, marketing support and whole-of-market access.

GROWTH PLATFORM

Equity Release Group said the network has been designed not simply as a compliance framework but as a long-term growth platform for adviser businesses operating within the specialist lending market.

The launch reflects wider growth across the later life lending sector as advisers increasingly look to diversify income streams and support ageing borrower demographics facing retirement affordability pressures.

REGULATORY SCRUTINY

Mark Gregory (main picture), founder and CEO at Equity Release Group, said: “The equity release landscape has evolved rapidly, but many adviser support models haven’t evolved with it, and this is proving a struggle for many advisers who don’t have the right tools at their disposal.

“Advisers today face greater regulatory scrutiny, more complex client needs and increasing operational pressure in a challenging market. TERN has been built to give firms the infrastructure, technology and specialist support needed to thrive in that environment.”

BETTER OUTCOMES

Gregory said the network had been designed to support advisers through the “full adviser lifecycle”, including scalability, operational efficiency and succession planning.

He added: “This isn’t simply a compliance network. TERN has been designed as a growth proposition for adviser firms looking to build sustainable businesses while delivering better consumer outcomes.

“Our aim is to give advisers the confidence and capability to build valuable, sustainable businesses for the long term.”