Network Datas network for mortgage and insurance intermediaries will now be available for smaller mortgage packagers. Packagers will be able to become an appointed representative of Network Data, thus avoiding the costs involved in becoming directly regulated. They will also be able to make use of Network Datas packaging software. As an appointed representative, the packager can then sign up its own brokers and pass on the benefits of appointed representative status. These brokers will have to place all their mortgage business through their appointed representative.