Self Employed Mortgage Adviser

Self-Employed Mortgage Adviser (Remote) – Job DescriptionJob 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) Role PurposeTo 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. Key Responsibilities • 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 Essential Requirements • 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 Desirable • 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 What's on Offer • 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 Requirements to Operate • 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