Where FLIP came from
FLIP didn't start with an app.
It started more than 20 years ago, when Matt Punter discovered how powerful referral networks became when somebody owned the relationship and was accountable for what happened next.
Matt had set up a mortgage broking arm inside Conveyancing Works. It grew to around 9 percent of the market, but the referrals were all over the place. They would surge, then collapse, then surge again. So he gave entrepreneurial people their own licensed territories and let them build referral networks, without needing a legal background.
Now we're building that model nationally.