“Joining Cornerstone was one of the best decisions I made”

Julius Peralta, Director

JMP Mortgage and Protection Ltd

From our very first meeting, it was clear that Julius was looking to move to a network that could help him achieve his goal of being a successful mortgage and protection adviser. He settled in quickly and has become a well-respected network member whose quality of work is second to none. We look forward to helping Julius build a very successful business in the coming years.

Why were you looking for a network change?

“I was looking for a network that could support me and my clients to move quickly in getting mortgage and protection and that provides great support in training and compliance for mortgage and protection. I used to have a high number of expenditures, like network fee and other subscriptions. My progress was a slow progress, as the application is delayed due to delayed checking from the compliance before I could submit it.”

He added:

“I was not able to focus on getting new clients, as the application is delayed and thus had to do more research when the lenders made changes to their products. I was losing money faster than I was making it. Therefore, I had to find another network that could improve the way of doing and writing business. Now that I am with Cornerstone, all my negative experiences have become positive.”

Why did you choose the Cornerstone Network?

“I saw a post about hiring Mortgage advisor. I left a comment, and was contacted by Phil Emanuel, the Director of Network Growth. After the meeting with Phil, everything went smoothly, and I prepared for my transfer. It appealed to me because it provides the training, the system, and the fair commission fee.”

What was the process of joining the Network like?

“It was simple and quick. They were quite good in terms of the schedule for onboarding new members, in my opinion. They have schedules almost every other week and if you are not available on that orientation day, they can reschedule. It was well-organized.”

The Results

“After joining Cornerstone, I was able to promote myself and the services that the Network provides. I am able to reach out to more people to promote mortgages, protection and other services. I am doing well with the Network and sales are steadily increasing. In just 7 months, I accomplished my goal of earning £50,000 in commissions for the entire year. It’s a great starting point for me.”

“Joining Cornerstone was one of the best decisions I made. Since I joined, I was able to learn and progress quickly in terms of submitting mortgage and protection applications as they were very good at teaching. They are supporting me in improving my applications and business transactions. Now, most of the time, when I submit a case, I receive a 10 out of 10 in my review.”

“Thanks to Phil, the Compliance team, the admin team, and Cornerstone who are there to support me.”

Michelle Sweetman Toledo, Network Engagement and Compliance Adviser on the phone.

Interested in joining our network?

News & Insights

View all news

Helping Clients Protect the Businesses Behind Their Mortgages

Business protection isn’t as complex as advisers think. Jude Reynolds outlines the key types of cover - relevant life, key person, and shareholder protection - and how advisers can open simple, valuable conversations with clients who own or run businesses.

Business protection

Business Protection Matters Just as Much as Personal Cover

Most advisers focus on personal cover, but business protection is equally important. Paul Morgan highlights the risks SMEs face, the opportunities for advisers, and how simple conversations can unlock long-term value for both clients and advisers.

Phil Emanuel

Protection Should Be Part of Every Mortgage Conversation

Phil Emanuel, Director of Growth at Cornerstone Network, makes a compelling case for integrating protection advice into every mortgage conversation. He discusses the impact of Consumer Duty, the need for better documentation, and how ongoing support can empower advisers to confidently protect their clients and grow their business.

Steve Evans Picture

Good Personal Protection Advice Needs to Be Individual

Steve Evans, Business Development Manager at Scottish Widows Protection, highlights the importance of individualised protection advice. From income protection to life cover, Evans explains why advisers must go beyond the mortgage to truly meet client needs, and how personalised conversations drive real value.

Ongoing Conversations Build Better Personal Protection Outcomes

Rob Jackson, Mortgage & Protection Adviser at Trust Mortgage, shares insights from 18+ years in the industry on why ongoing, personalised conversations around protection- tailored to each client's life stage and needs - lead to stronger long-term outcomes.

Roger Morris

The Best Buy-to-Let Plans Start with the Right Advice

Roger Morris, Group Distribution Director at Chetwood Bank, explains why buy-to-let investors must look beyond headline rates. With the right tax and mortgage advice, landlords can build sustainable portfolios and avoid costly pitfalls.