--- title: Self-Employed Mortgage & Insurance Agents, Join Calluna, DA Firm description: Empower your career as a self-employed agent with Calluna. Enjoy higher earnings, less red tape, and personal support to grow your business on your terms. image: https://www.callunafinancial.co.uk/hubfs/content/woman-and-kids-looking-at-laptop__content.jpg --- [Skip to main content](https://www.callunafinancial.co.uk/self-employed-agents#main-content) [![Calluna Financial](https://www.callunafinancial.co.uk/hubfs/calluna-financial-logo-mono-white.svg)](https://www.callunafinancial.co.uk?hsLang=en) - [Home](https://www.callunafinancial.co.uk) - [Show submenu for Mortgages Mortgages](https://www.callunafinancial.co.uk/mortgages) - [First Time Buyers](https://www.callunafinancial.co.uk/first-time-buyers) - [Remortgage](https://www.callunafinancial.co.uk/remortgage) - [Moving House](https://www.callunafinancial.co.uk/moving-house) - [Buy-To-Let](https://www.callunafinancial.co.uk/buy-to-let) - Show submenu for Our Advisers Our Advisers - [Aberdeenshire](https://www.callunafinancial.co.uk/aberdeenshire) - [Clacks, Stirling & Falkirk](https://www.callunafinancial.co.uk/stephanie-english) - [Edinburgh](https://www.callunafinancial.co.uk/edinburgh) - [Glasgow](https://www.callunafinancial.co.uk/allan-coll-glasgow) - [Inverness](https://www.callunafinancial.co.uk/inverness) - [Protection](https://www.callunafinancial.co.uk/protection) - [Show submenu for Mortgage Tools Mortgage Tools](https://www.callunafinancial.co.uk/mortgage-tools) - [Mortgage Calculator](https://www.callunafinancial.co.uk/mortgage-calculator) - [Repayment Calculator](https://www.callunafinancial.co.uk/calculator-repayments) - [LBTT Calculator](https://www.callunafinancial.co.uk/calculator-lbtt) - [Mortgage App](https://www.callunafinancial.co.uk/mortgage-app) - [Jargon Buster](https://www.callunafinancial.co.uk/jargon-buster) - [Mortgage FAQs](https://www.callunafinancial.co.uk/mortgage-faqs) - [Show submenu for About Us About Us](https://www.callunafinancial.co.uk/about-us) - [Self-Employed Agents](https://www.callunafinancial.co.uk/self-employed-agents) - [Refer A Friend](https://www.callunafinancial.co.uk/refer-a-friend) - [Blog](https://www.callunafinancial.co.uk/blog) - [Contact Us](https://www.callunafinancial.co.uk/contact-us) Open main navigation Close main navigation - [Home](https://www.callunafinancial.co.uk) - Show submenu for Mortgages Mortgages - Mortgages - [Mortgages](https://www.callunafinancial.co.uk/mortgages) - [First Time Buyers](https://www.callunafinancial.co.uk/first-time-buyers) - [Remortgage](https://www.callunafinancial.co.uk/remortgage) - [Moving House](https://www.callunafinancial.co.uk/moving-house) - [Buy-To-Let](https://www.callunafinancial.co.uk/buy-to-let) - Show submenu for Our Advisers Our Advisers - Our Advisers - [Aberdeenshire](https://www.callunafinancial.co.uk/aberdeenshire) - [Clacks, Stirling & Falkirk](https://www.callunafinancial.co.uk/stephanie-english) - [Edinburgh](https://www.callunafinancial.co.uk/edinburgh) - [Glasgow](https://www.callunafinancial.co.uk/allan-coll-glasgow) - [Inverness](https://www.callunafinancial.co.uk/inverness) - [Protection](https://www.callunafinancial.co.uk/protection) - Show submenu for Mortgage Tools Mortgage Tools - Mortgage Tools - [Mortgage Tools](https://www.callunafinancial.co.uk/mortgage-tools) - [Mortgage Calculator](https://www.callunafinancial.co.uk/mortgage-calculator) - [Repayment Calculator](https://www.callunafinancial.co.uk/calculator-repayments) - [LBTT Calculator](https://www.callunafinancial.co.uk/calculator-lbtt) - [Mortgage App](https://www.callunafinancial.co.uk/mortgage-app) - [Jargon Buster](https://www.callunafinancial.co.uk/jargon-buster) - [Mortgage FAQs](https://www.callunafinancial.co.uk/mortgage-faqs) - Show submenu for About Us About Us - About Us - [About Us](https://www.callunafinancial.co.uk/about-us) - [Self-Employed Agents](https://www.callunafinancial.co.uk/self-employed-agents) - [Refer A Friend](https://www.callunafinancial.co.uk/refer-a-friend) - [Blog](https://www.callunafinancial.co.uk/blog) - [Contact Us](https://www.callunafinancial.co.uk/contact-us) # Self-Employed Agents ![logo\_\_nhs-scotland-1](https://www.callunafinancial.co.uk/hubfs/logo__nhs-scotland-1.svg) ### Exclusive Referral Partner of NHS Trust Workers ## Freedom from Red Tape: Empower Your Career with Calluna Are you a self-employed mortgage, insurance, or equity release agent tired of dealing with the red tape, restrictive compliance, and poor commission splits of traditional networks? Calluna offers a better way forward. As a Directly Authorised (DA) firm, we give you the freedom and support to run your business on your terms – without the headache. If you’re ready to back yourself and take control of your success, we’re ready to back you every step of the way.   ![A montage showing a man drinking from a cup whilst using a laptop and a mug of coffee sitting beside a computer keyboard](https://www.callunafinancial.co.uk/hubfs/montage/man-coffee__montage.png "A montage showing a man drinking from a cup whilst using a laptop and a mug of coffee sitting beside a computer keyboard") ## Why Choose a DA Firm Over a Network? Joining an appointed representative network often means giving up a big slice of your earnings and autonomy. Networks can impose strict rules, high fees, and layers of bureaucracy that slow you down. By contrast, Calluna’s DA model lets you keep more of your income and stay in control. We ensure you enjoy industry-leading commission splits with minimal oversight. No more endless forms and unnecessary hurdles; we’re built to eliminate red tape so you can focus on what you do best: serving your clients. This means freedom to work your own hours and build your own brand, while still having a safety net of support. No mandatory targets or one-size-fits-all processes – you call the shots for your business growth, and we assist rather than interfere. ## The Calluna Advantage for Self-Employed Agents - **Lucrative Commission Structure:** Enjoy low fees and competitive earnings splits that let you retain significantly more income than the typical network broker. - **Compliance Support, Minus the Headache:** Calluna provides comprehensive compliance support, handling the heavy lifting to ensure you meet FCA requirements without stress. - **Optional Admin Assistance:** Calluna offers affordable administrative support services that you can opt into at any time, freeing you to focus on clients. - **Cutting-Edge Technology Platforms:** Access our mortgage sourcing software, CRM systems, protection quote portals, and equity release calculators. - **Unbeatable Personal Support:** Receive one-on-one mentorship and coaching from experienced management, plus a collaborative community of fellow agents. - **Flexibility & Work-Life Balance:** Set your schedule, work from anywhere, and achieve the lifestyle you want while increasing your income. ### Focused on Mortgages, Insurance & Equity Release We specialise in mortgages, protection insurance, and equity release. This means deep expertise, access to a wide range of lenders, sector-specific compliance, and tailored training. Whether it’s first-time buyers, later-life lending, or protection solutions, you’ll have the resources you need to deliver the best outcomes for your clients. ![A montage showing a young woman using a smartphone and a hand holding house keys](https://www.callunafinancial.co.uk/hs-fs/hubfs/montage/lady-on-phone__montage.png?width=445&height=280&name=lady-on-phone__montage.png) ![A montage showing a woman drinking from a mug while doing some calculations and a hand using a calculator on a desk](https://www.callunafinancial.co.uk/hs-fs/hubfs/montage/woman-doing-calculations__montage.png?width=445&height=280&name=woman-doing-calculations__montage.png) ### Professional, Empowering Culture At Calluna, we value entrepreneurial spirit and integrity. You’ll never feel like just another number – your goals are our goals. Whether you want to grow into a large brokerage or remain a boutique advisor, we’ll tailor our support to help you get there. We combine polished professionalism with bold innovation to help our team succeed. ### Ready to Make the Switch? Leaving the comfort of a network might seem daunting, but with Calluna it doesn’t have to be. We’ve helped many self-employed advisors break free from constraints and boost their income and happiness. If you’re ready for more freedom, higher earnings, and real support, it’s time to join Calluna. ![A montage showing a woman reading a document and someones hands moving some papers on a desk](https://www.callunafinancial.co.uk/hs-fs/hubfs/montage/woman-reads-contract__montage.png?width=445&height=280&name=woman-reads-contract__montage.png) ![Image blocks lady at desk and colourful doors](https://www.callunafinancial.co.uk/hs-fs/hubfs/img__blocks-arch-subtle-yellow-contact.png?width=830&height=958&name=img__blocks-arch-subtle-yellow-contact.png "Image blocks lady at desk and colourful doors") ## Speak To Our Protection Experts **Contact us today to discuss your goals and how we can help you achieve them. Your future as an independent agent starts here – with no limits, no red tape, and all the support you need.** ### **Proudly Accredited with Own New** Calluna Financial is now an approved broker for the Own New scheme, a powerful initiative designed to make buying a new build home more accessible through innovative shared equity solutions. This accreditation allows us to support housebuilders in accelerating sales and help buyers step into homeownership with reduced upfront costs and competitive mortgage rates. Whether you're a developer or a first-time buyer, we’re here to guide you through every step. - ![Own New Approved Broker](https://www.callunafinancial.co.uk/hs-fs/hubfs/Approved-Broker-Stamp_LinkedIn.png?width=600&height=600&name=Approved-Broker-Stamp_LinkedIn.png) Hover message - ![LIBF Certified Mortgage Adviser](https://www.callunafinancial.co.uk/hs-fs/hubfs/certified-mortgage-adviser.png?width=600&height=600&name=certified-mortgage-adviser.png) Hover message ![White mono version of the Calluna Financial logo](https://www.callunafinancial.co.uk/hubfs/calluna-financial-logo-alt-mono-white.svg "White mono version of the Calluna Financial logo") Calluna Financial is directly authorised and regulated by the Financial Conduct Authority. Firm Reference Number: 1020528 Calluna Financial Registered Office: 6 Primrose Street, Alloa, Clackmannanshire, Scotland, FK10 1JG. Registered in Scotland: SC815245. © Calluna Financial Limited. All Rights Reserved. Subscribe here to receive mortgage tips and advice from our blog by email every month. - [Terms and Conditions](https://www.callunafinancial.co.uk/terms-and-conditions) - [Privacy Policy](https://www.callunafinancial.co.uk/privacy-policy) - [Cookie Policy](https://www.callunafinancial.co.uk/cookie-policy) - [Your Rights](https://www.callunafinancial.co.uk/your-rights) - [IDD](https://www.callunafinancial.co.uk/idd) - [Contact Us](https://www.callunafinancial.co.uk/contact-us) ```json { "@context" : "schema.org", "@type" : "VideoObject", "contentUrl" : "vimeo.com/1009161022?fl=pl&fe=ti", "description" : "An STV television commercial created for Calluna Financial.", "embedUrl" : "player.vimeo.com/video/1009161022?badge=0&autopause=0&player_id=0&app_id=58479", "name" : "Calluna Financial - STV Commercial", "thumbnailUrl" : "i.vimeocdn.com/video/1952204903-ce53847e0caac258ad941f0cfe93e52f8a2404e8acb5a156e9c950cb34b1c5ee-d?mw=1800&mh=830", "uploadDate" : "2025-05-23T12:34:28TZ" } ```