The Equity Release Network (TERN) is a nationwide specialist network supporting equity release advisers and customers seeking independent, whole-of-market advice.

For customers, our advisers provide clear, personal guidance based on their individual circumstances, objectives and wider financial position. They consider the available alternatives, explain the costs and risks, and recommend an equity release solution only where it is appropriate.

Advice is available face-to-face, by telephone or by video, giving customers access to specialist support in the way that suits them best.

For advisers, TERN provides a modern network built specifically for the later-life lending market. Members benefit from company-provided leads, regulatory and compliance support, business development expertise and the infrastructure needed to build a successful, sustainable advice business.
Advisers also have access to advisER, our purpose-built CRM designed around the complete later-life lending advice process. From lead management and fact-finding through to research, case progression, compliance and ongoing client servicing, advisER helps advisers work more efficiently while maintaining high standards of customer care.

TERN combines the scale and resources of a network with responsive, personal support, helping advisers grow their businesses while delivering consistently good customer outcomes.

TERN is part of Equity Release Group, bringing together extensive later-life lending experience and specialist technology developed specifically for the equity release market. The Equity Release Network is authorised and regulated by the Financial Conduct Authority and is a member of the Equity Release Council.