Mortgage Advisor

Mortgage Advisor / Salary up to £40k dependant on experience (non-commission based) / office-based role - must drive.

Scope of Role

This Mortgage Advisor position offers a permanent, office-based role with a competitive basic salary (non-commission based) and an immediate start. The role focuses on providing high-quality mortgage advice, ensuring compliance with regulations, and maintaining up-to-date professional knowledge.

Key Responsibilities:

1. Client Mortgage Advice:
   Provide expert mortgage advice to clients regarding a wide range of mortgage related matters, ensuring that the advice aligns with the client's needs and priorities.
   Conduct client interviews to assess needs, research the market for suitable mortgage products, and make well-informed recommendations in writing.


2. Adherence to Regulatory Standards:
   Ensure all advice is in accordance with mortgage regulations and complies with company procedures and regulatory requirements.
   Maintain an up-to-date understanding of professional and industry standards, ensuring compliance with all regulations.
   Produce written evidence of your activities, documenting advice given as required by the practice and regulatory authorities.


3. Honesty, Integrity & Professionalism:
   Act with integrity and professionalism in all dealings with clients, colleagues, and other associated businesses.
   Report any anomalies or issues to the Compliance Officer promptly.


4. Continuous Professional Development:
   Keep personal and professional skills and knowledge up-to-date through ongoing learning and development.
   Identify any gaps in knowledge or skills and address them proactively to maintain competence as an advisor.


5. Internal Compliance & Procedures:
   Ensure compliance with internal procedures, including GDPR guidelines, and follow all company policies and procedures.
   Provide a written audit trail in line with company standards and reporting protocols.


6. Collaboration & Administration:
   Liaise with other advisers and administrative staff in a cooperative and open manner.
   Manage administrative tasks related to client interactions and mortgage advice, ensuring they are completed in a timely and organized manner.
   Highlight any difficulties encountered in your work to the T&C Supervisor or Compliance Officer for support.


7. Meeting KPIs:
   Work towards achieving the key performance indicators (KPIs) set by management, ensuring that targets are met efficiently.

Qualifications & Experience:

Qualifications:
Full CeMAP (Certificate in Mortgage Advice and Practice) qualification or equivalent CII Level 3 Certificate in Mortgage Advice is required.

Experience:
At least two years of recent experience as a mortgage adviser in the industry, with a proven track record of providing mortgage advice and managing client relationships.

Skills:
Excellent interpersonal and communication skills: Ability to engage effectively with clients, colleagues, and external stakeholders.
Strong analytical skills: Capable of analysing client needs and market conditions to make well-informed, suitable mortgage recommendations.
Attention to detail: Ensure that all advice and documentation are accurate and compliant with regulatory requirements.
Structured & Planned Approach: Ability to work in a structured, methodical way, managing time and workload effectively.

Personal Attributes:
Customer-Focused: Demonstrates a genuine desire to help clients find suitable mortgage solutions tailored to their needs.
Integrity & Professionalism: Committed to acting ethically and maintaining the highest standards of honesty in client interactions.
Proactive Learner: Continuously strives to enhance personal knowledge and expertise within the mortgage sector.
Collaborative: Works well within a team and maintains strong relationships with colleagues and clients.

Additional Information:
Salary: Competitive basic salary (non-commission based).
Job Type: Permanent position with an immediate start.

This role is perfect for an experienced mortgage advisor who is passionate about providing clients with suitable mortgage advice, committed to maintaining compliance, and eager to continue professional development within a structured environment. The ideal candidate will be a team player, customer-focused, and able to manage both client interactions and administrative responsibilities efficiently.