Experienced Self-Employed Property Finance Broker – Bridging & Development Finance

Cator Wells Finance; United Kingdom; Hybrid; GBP 60,000 - 120,000; Full time

Benefits offered by this job

Remote work option

Office access Canary Wharf

High commission split

No monthly desk fee

Lender panel access

CRM and deal support

Brand and marketing platform

Job summary

Cator Wells Finance is seeking an experienced self-employed property finance broker to build their own client book while benefiting from our brand, lender relationships, and support. This role is not a trainee or cold-calling position and requires existing experience in bridging, development finance or specialist property lending.

You will originate and manage enquiries, assess client needs, structure funding options and progress transactions to completion.

Qualifications

• Experience arranging bridging, development finance or specialist property finance.
• Strong communication and relationship-management skills.
• Ability to originate business independently.
• Confidence speaking with lenders, borrowers, solicitors and valuers.
• Understanding of property transactions: LTV, LTC, GDV and exit strategies.

Responsibilities

• Build and maintain relationships with investors, developers, landlords and introducers.
• Advise clients on suitable property finance options.
• Structure bridging, development and refurbishment finance transactions.
• Present cases clearly to lenders.
• Gather and review required application information.
• Manage lender, valuation and legal queries.
• Progress cases from enquiry to completion.
• Maintain CRM records and client updates.
• Develop repeat and referral business.

Skills

Property finance

Client relationships

Lender negotiations

Self-motivation

Independent origination

Tools

CRM system

Job description

Cator Wells Finance is a specialist property and commercial finance brokerage working with property investors, landlords and developers across the UK.

We arrange funding for:

• Bridging loans
• Development finance
• Auction purchases
• Commercial property
• Specialist buy-to-let
• Mezzanine and structured finance

We are looking to work with an experienced self-employed property finance broker who wants to build their own client book while benefiting from the Cator Wells brand, lender relationships, systems and deal-placement support.

This is not a trainee or cold-calling position. Applicants should already have relevant experience within bridging, development finance, commercial mortgages or specialist property lending.

The Opportunity

This role would suit an experienced broker who already has some client or introducer relationships and wants the freedom of being self-employed without having to build the full lender panel, operational structure and support network around them.

You will be responsible for originating and managing property finance enquiries, understanding the client’s requirements, structuring suitable funding options and progressing transactions through to completion.

You will have access to support from the Cator Wells team on more complex transactions, lender selection, deal structuring and case progression.

There may also be opportunities to work on enquiries generated by Cator Wells, subject to experience, availability and an agreed commission structure.

What You Will Be Doing

Your responsibilities will include:

• Building and maintaining relationships with property investors, developers, landlords and professional introducers
• Advising clients on suitable property finance options
• Structuring bridging, development and refurbishment finance transactions
• Presenting cases clearly to lenders
• Gathering and reviewing the required application information
• Managing lender, valuation and legal queries
• Progressing cases from initial enquiry through to completion
• Maintaining accurate CRM records and client updates
• Developing repeat and referral business

What We Are Looking For

Applicants should have:

• Previous experience arranging bridging, development finance, refurbishment finance, commercial mortgages or specialist property finance
• A good understanding of property transactions, security, loan-to-value, loan-to-cost, gross development value and exit strategies
• Existing client, introducer or professional relationships
• The ability to originate business independently
• Strong communication and relationship-management skills
• Confidence speaking with lenders, borrowers, solicitors and valuers
• A professional and commercially minded approach
• The ability to manage several active cases at the same time
• A commitment to treating customers fairly and maintaining strong compliance standards

Experience within specialist buy-to-let or commercial mortgages would also be beneficial.

We may also consider experienced lender BDMs, senior case managers or mortgage brokers who have strong specialist property finance knowledge and an established introducer network.

What We Offer

• A competitive commission split on self-generated business
• Higher commission levels available based on completed income and the level of support required
• A separate commission structure for Cator Wells generated opportunities
• No monthly desk fee
• Remote and flexible working with the option to work from our Canary Wharf office
• Access to a broad specialist lender panel
• Support with deal structuring and lender placement
• Assistance on complex bridging and development finance cases
• Access to the Cator Wells brand and marketing platform
• CRM and operational support
• Clear protection over your existing client relationships
• Ongoing commission on repeat business from your clients, subject to the terms of the agreement
• Prompt commission payments once income is received
• The opportunity to grow with an established and expanding specialist finance brokerage

Commission Structure

The role is entirely self-employed and commission-based.

The expected starting structure is:

• Up to 70% of income received on self-generated business
• The ability to increase the split based on completed income, experience and support requirements
• A separate agreed split for company-generated enquiries

The full structure will be discussed confidentially with suitable applicants.

Who This Role Will Suit

This opportunity may suit someone who is:

• Already working as a specialist property finance broker
• Considering leaving an employed brokerage role
• Looking for a better commission structure
• Frustrated by limited lender access or poor case support
• Interested in building their own long‑term client book
• Directly authorised but looking for the support of a wider brokerage
• An experienced lender BDM looking to move into broking
• A senior case manager ready to begin originating their own business

Important

This is not a salaried role and there is no guaranteed income.

Applicants should understand the self‑employed nature of the position and should ideally already have a realistic route to generating business through existing clients, introducers, professional contacts or their own marketing activity.

Applications without relevant property finance experience are unlikely to be considered.