Mortgage Advisor

ClearScore; Manchester; On-site; GBP 30,000 - 50,000; Full time

Benefits offered by this job

25 paid holidays and a 'duvet day' on your birthday

Hybrid Work Environment

Private health and dental cover

Life assurance scheme

Up to 6% matched pension

Regular Lunch and Learns

Dog-friendly office

Free sports and social clubs

Job summary

ClearScore is seeking a motivated 1st Charge Advisor to support customers through their mortgage journey. You will apply your regulatory knowledge and customer service skills to deliver tailored mortgage solutions, ensuring compliance with FCA standards.

This role involves conducting detailed fact-finds, providing compliant recommendations, and managing relationships with various stakeholders. The position offers a hybrid work environment, regular learning opportunities, and a strong commitment to inclusivity and employee well-being.

Qualifications

• Motivated and customer-focused.
• Strong regulatory knowledge combined with a customer‑first mindset.
• Ability to deliver tailored mortgage solutions.

Responsibilities

• Conduct detailed fact-finds to understand customer circumstances.
• Provide compliant mortgage recommendations.
• Package and submit applications accurately to lenders.
• Liaise with underwriters and third parties to progress cases.
• Deliver excellent customer service throughout the mortgage journey.

Skills

CeMAP 1 qualified (or equivalent)

Experience in the UK mortgage market (first charge)

Understanding of FCA regulation and TCF principles

Conducting fact‑finds and affordability assessments

Excellent communication skills

Organisational skills and attention to detail

Pipeline management

Working to targets in a regulated environment

Education

CeMAP qualification or equivalent

Tools

Mortgage sourcing systems

Job description

1st Charge Advisor

We are looking for a motivated and customer-focused 1st Charge Advisor to join our growing ClearScore Home Lending team. This role is central to helping customers make confident financial decisions by supporting them through the first charge mortgage journey, from initial inquiry through to completion. You’ll combine strong regulatory knowledge with a customer‑first mindset to deliver tailored mortgage solutions while ensuring the highest standards of compliance and customer outcomes.

What you will be doing

• Conduct detailed fact‑finds to understand customer circumstances and provide suitable, compliant mortgage recommendations.
• Provide clear, compliant information and guidance in line with FCA regulations.
• Recommend suitable first charge mortgage products.
• Package and submit applications accurately to lenders.
• Liaise with underwriters, solicitors, valuers and other third parties to progress cases.
• Maintain accurate and detailed customer records on internal systems.
• Ensure all compliance documentation is completed to required standards.
• Meet agreed KPIs including conversion rates, quality standards and customer satisfaction.
• Deliver excellent customer service throughout the mortgage journey.
• Keep up to date with lender criteria, regulatory changes and market developments.

Skills we’d love you to have

• CeMAP 1 qualified (or equivalent).
• Experience working within the UK mortgage market (first charge).
• Strong understanding of FCA regulation and Treating Customers Fairly (TCF) principles.
• Experience conducting fact‑finds and affordability assessments.
• Excellent communication and interpersonal skills.
• Strong organisational skills and attention to detail.
• Ability to manage a pipeline of cases effectively.
• Comfortable working to targets in a regulated environment.

Desirable

• Fully CeMAP qualified (or equivalent).
• Experience using mortgage sourcing systems.
• Experience working with a variety of UK lenders.

Benefits

• 25 paid holidays and a “duvet day” on your birthday
• Hybrid Work Environment
• Private health and dental cover – including mental health support through Bupa
• GP office visits
• Life assurance scheme
• Up to 6% matched pension
• Regular Lunch and Learns with guest speakers
• Dog‑friendly office
• Daily breakfast and free snacks
• Access to discounts via Cobens Extras
• Free sports and social clubs
• Continued investment into learning and development
• Leadership‑led training
• In‑house psychotherapist
• Financial coach to help you plan and achieve your goals
• No clock‑watching culture
• Generous maternity and paternity plans
• Culture and inclusion representatives
• Transparent pay structure and a career growth plan

Equal Opportunities

ClearScore is committed to providing equal employment opportunities to all qualified individuals. As an equal opportunity employer, we are able to make reasonable adjustments to accommodate individuals with disabilities during the recruitment and selection process. If you require accommodation, please inform us in advance, and we will work with you to meet your needs.

Our Hybrid Model

• Minimum 3 days per week in-office

We believe this structure offers the best of both worlds – the flexibility of remote work and the synergy of face‑to‑face collaboration. Our office days are carefully coordinated to maximise team interactions and learning/mentorship opportunities.

What This Means for You

• Flexibility to manage your work and life
• Dedicated in‑office days for team building and collaborative projects
• Office facilities (with plants!) designed for productive interactions
• Clear expectations and support for maintaining our hybrid schedule

Note: While we offer flexibility, commitment to our hybrid schedule is an important aspect of our team culture and performance expectations.

Inclusion Policy

We are always looking for talented individuals to join ClearScore. We are an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive environment for our people. Please see our People Policy Notice at https://www.clearscore.com/people-notice.