Rarely. Exclusivity and quality are poor, compliance of upstream source is opaque, and Consumer Duty exposes the buyer to suitability risk. Own-channel is better long-term.
Risks
- Shared leads sold to 4-6 buyers - Opaque marketing source / compliance chain - Consumer Duty suitability responsibility - Low client LTV and higher churn
Exceptions
Some specialist aggregators (equity release, protection) deliver exclusive, compliance-transparent leads - test small, scrutinise the source stack.