Refer A Friend

Exclusively for our clients - earn a £100 Amazon Gift Voucher for each referral you make that successfully arranges a mortgage or qualifying insurance product with us.

how it works
Illustration of a family and dog standing in front of their house

How It Works

Step 1

refer a friend

With their permission, refer your friend, colleague or family member to SEMH by clicking the button below. It only takes 60 seconds

Alternatively, remind your friend to mention your name when they get in touch with us.

refer a friend
In just 60 seconds
Step 2

Your friend becomes a client

Qualify for a £100 Amazon Gift Voucher when your referral successfully arranges a mortgage and/or a Life, Critical Illness Cover or Income Protection Insurance policy with SEMH.

There's no limit on how many referrals you can make. Read our T&C's for full details.

refer a friend
In just 60 seconds
Step 3

Get A £100 Amazon Gift Voucher

We'll email a £100 Amazon Gift voucher direct to your inbox.

Or if you prefer, we'll donate £100 to Jigsaw Thornbury (, a local charity that helps young people with additional needs and disabilities.

refer a friend
In just 60 seconds

Terms & Conditions

  • This offer is exclusively for our existing clients who have completed a Mortgage and/or Life Insurance, Critical Illness Cover, or Income Protection policy with us.
  • For a mortgage referral, the £100 Amazon gift voucher will be issued within 7 working days of receipt of Hub FS Limited's broker fee from the referee.
  • For life insurance, critical illness or income protection policies, the £100 Amazon gift voucher will be paid three months after your friend's policy start date, as long as they havn't cancelled their policy and their payments are still up to date.
  • This offer is valid once per recommendation or referral.
  • You will not be eligible for this offer If you have cancelled a similar insurance policy within the last 18 months,
  • This offer is limited to a single £100 Amazon Gift voucher or £100 Jigsaw charity donation per client referral, even where the referree takes out more than one mortgage and/or insurance policy.
  • Hub FS Limited reserve the right to cancel your eligibility for this offer if we find or suspect any abuse of the terms and conditions.
  • Hub FS Limited reserve the right to amend the terms and conditions of the Refer a Friend scheme, or withdraw the scheme completely, at any time.
  • This offer is only valid for referrals and recommendations made from the 1st of July 2023.

If you have any questions, please get in touch and I'll be delighted to answer them.

Happy referring!

Best wishes,

Graham Cox - Hub FS Limited director and mortgage advisor

Graham Cox MLIBF CeMAP
Founder & Director of Hub FS Limited

Graham Cox - Hub FS Limited director and mortgage advisor
Graham Cox MLIBF CeMAP

Graham Cox is the founder and director of Hub FS Limited which trades as, or SEMH for short.

Based out of the pretty market town of Thornbury, South Gloucestershire, SEMH is an independent, whole-of-market broker, sourcing mortgages for business owners and entrepreneurs all over the UK.

Graham is often called upon by the national media and press for his opinions and analysis of the UK mortgage market. His commentary has appeared in The Guardian, FT Adviser, Telegraph, Evening Standard as well as many other newspaper and trade publications. He's also appeared on LBC, BBC Points West and BBC Radio Bristol.

Your home may be repossessed if you do not keep up repayments on your mortgage