For mortgage brokers: conveyancing that fits the lender

At a glance

• Your own referral link, code and partner page with your firm's name, for your fact-find emails and your website
• Your clients get an itemised quote in minutes, matched to law firms on their lender's panel, and keep a free choice of conveyancer
• You see whether each case goes ahead and completes, and which law firm is acting, with its updates where your client agrees
• Commission is agreed with you in writing before you start, and your portal shows what is due and what has been paid

Why the lender panel matters

Every mortgage lender keeps a panel, a list of law firms it allows to act for it. If your client's conveyancer is not on it, the lender may instruct a separate firm to represent it, which can add cost and delay.

Keyfolio asks your client for their lender when they get a quote, and uses it to match them with a firm on that lender's panel. The firm must also handle the type of transaction, cover the part of the UK where the property is and have the capacity to take the case on now.

If your client keeps a conveyancer who is not on the lender's panel, a law firm on our panel can act for the lender on the mortgage instead, from £960.00 including VAT (£800.00 plus VAT): see separate representation.

Refer clients your way

You get a personal referral link and a short code. Add the link to your fact-find emails (the questionnaire you send to gather client details) or to your website, or refer a client directly in the introducer portal once they have agreed to be contacted.

You can refer:

• purchases, including first-time buyers, new builds, shared ownership, buy-to-let and purchases through a company
• remortgages, including leasehold remortgages
• transfers of equity, where someone is added to or removed from the ownership
• commercial purchases, and specialist work such as commercial refinancing and bridging loans (short-term finance), which get a tailored quote from our team

Quotes your clients can plan around

The quote separates the legal fee, VAT, disbursements (third-party costs such as searches and HM Land Registry fees) and an estimate of property tax, so your client can budget for the whole transaction, not just the mortgage. Your client can share it with you as a PDF.

Anything that cannot be known yet, such as a leasehold landlord's fee, is marked to be confirmed, and the quote shows the date it is valid until. The law firm confirms its fees in writing before your client instructs it. Every law firm on our panel, other than a firm a client chooses instead (their quote page says whether it does too), works on a no completion, no fee basis, so your client pays no legal fee if their purchase or remortgage does not complete, only the disbursements already paid out for them.

What you see of each case

Your portal shows whether each referral goes ahead and completes, and names the law firm acting. You are notified when it goes ahead and when it completes, and, if your client agrees, of the updates the law firm acting sends you. You can send our team a note at any time.

You always know which firm to speak to about offer expiry dates and completion plans. You never see the confidential legal file.

Commission

Commission is agreed with you in writing before you start, including when it becomes due, such as on instruction, exchange or completion. Your portal shows what is due and what has been paid, lets you send us your invoice with the bank details to pay, and gives you a statement to download for your records.

Keyfolio pays the commission itself, so it is not a separate charge to your client. Your client's quote says that you introduced them and, once your commission is agreed, what we pay you.

Your obligations and ours

Clear rules protect your clients and your reputation:

• Consent: refer a client only once they have agreed to be contacted about conveyancing.
• Disclosure: before you refer a client, tell them in writing that you have a referral arrangement with Shreef Holdings Ltd trading as Keyfolio, how much you may receive for the introduction, and that they are free to choose any conveyancer. If you are authorised by the Financial Conduct Authority, your own regulatory obligations continue to apply.
• Choice: your client is free to choose any conveyancer, and your mortgage advice must never depend on them using Keyfolio.
• Data protection: share only what the referral needs and keep it secure, in line with UK data protection law.

For our part, Keyfolio discloses its own referral fee arrangements to every client, and the law firm remains responsible for its legal work and its own regulatory duties.

How to join

Apply to join with your firm's details, the areas you cover and a rough idea of how many cases you expect to refer. We review every application and talk to you about how the arrangement would work.

Terms, including commission, are agreed in writing before your portal is set up. We then create logins for you and your team, with two-step verification available, and give you your referral link and code. Read more about the partner network.