Self Employed Mortgage Adviser

Job Title: Self-Employed Mortgage Adviser

Location: Remote / Home-based (UK-wide)

Contract Type: Self-Employed / Appointed Representative

Reports To: Regional Sales Manager / Head of Mortgages

Earnings: Commission-only, uncapped (typical OTE £40,000–£100,000+ depending on experience and pipeline)

To provide fully compliant, whole-of-market (or panel) mortgage and protection advice to clients remotely, generating and converting own leads and/or working warm leads provided by the network, while maintaining excellent client outcomes and regulatory standards.

• Provide holistic mortgage and protection advice to clients via phone, video call, and email
• Source and secure new business through self-generation (referrals, marketing, past clients) and/or leads supplied by the network/estate agency partners
• Conduct fact-finds and affordability assessments in line with Consumer Duty and TCF principles
• Research the market and recommend suitable mortgage products from whole-of-market or panel lenders
• Submit and manage mortgage applications through to completion, liaising with lenders, solicitors, and estate agents
• Recommend appropriate protection products (life, critical illness, income protection, buildings/contents)
• Maintain accurate case records and compliant file notes on the CRM/back-office system
• Keep up to date with lending criteria changes, product updates, and regulatory requirements
• Manage own diary and pipeline to maximise conversion and client experience
• Meet minimum production/activity requirements as set by the network

• CeMAP 1, 2 and 3 (or equivalent, e.g. CertCII MP) – fully qualified, certificates available
• Minimum [X months/years] experience giving regulated mortgage advice (varies by employer – some accept newly qualified)
• Proven track record of sourcing and/or converting mortgage business (if experienced)
• Strong knowledge of mortgage sourcing systems (e.g. Trigold, Mortgage Brain) and lender criteria
• Excellent telephone manner and ability to build rapport and trust remotely
• Self-motivated, disciplined, and comfortable managing your own workload without office supervision
• Reliable home working setup (quiet space, own IT equipment, stable broadband)
• Full right to work in the UK

• Existing client bank or lead-generation channel (e.g. social media, estate agency relationships, referral network)
• Equity release or later-life lending qualification (CeRER)
• Experience with protection/insurance sales

• Uncapped commission structure – [insert split, e.g. 60/40 or tiered]
• Free or subsidised leads [if applicable]
• Full compliance and paraplanning/admin support
• Access to whole-of-market or wide panel sourcing systems
• CPD support and ongoing training
• Marketing materials and CRM/back-office system provided
• Flexibility to manage your own diary and work fully remotely

• Must be appointed as an Appointed Representative (AR) of the network, or hold Directly Authorised status
• Professional indemnity insurance provided/arranged via the network
• Adherence to FCA regulations and network compliance procedures at all times