Mortgage Adviser – Second Charge Mortgages

Simple Financial Planning; Glasgow; Hybrid; GBP 32,000 - 39,000; Full time

Benefits offered by this job

Hybrid working

Uncapped bonus

Comprehensive training

Job summary

Simple Financial Planning in the United Kingdom is seeking a motivated Mortgage Adviser to join our Second Charge Mortgage team, based at our Bridgeton, Glasgow offices. This role offers in-office, hybrid, or fully remote working patterns and a base salary of £35,000 with uncapped OTE (£71,000+).

You will provide high-quality, compliant mortgage advice to customers and support the lending process from application to completion.

Qualifications

• CeMAP qualification or equivalent required.
• Experience in second charge or specialist lending is preferred but not required.
• Strong communication and customer service skills.
• Ability to work in a target-driven environment.

Responsibilities

• Conduct high-quality, compliant second charge mortgage advice.
• Speak with customers to understand financial circumstances and objectives.
• Assess customer needs and identify suitable lending solutions.
• Explain mortgage products, costs, risks and repayment options clearly.
• Work with underwriting to manage applications through to completion.
• Build strong relationships with customers and lenders.
• Maintain accurate and compliant customer records.
• Ensure all advice meets FCA regulatory requirements and internal standards.
• Work towards individual and team targets.

Skills

Telephone advisory

Customer-focused

Team player

Education

CeMAP qualified or equivalent

Job description

Location: Bridgeton, Glasgow

Working Pattern: In-office, Hybride or fully remote

Salary: £35,000 per annum

OTE: £71,000+

Bonus: Uncapped

About the Role

We are looking for a motivated Mortgage Adviser to join our growing Second Charge Mortgage team, based at our offices in Bridgeton, Glasgow.

This is an excellent opportunity for an adviser who enjoys working with customers, understands the lending market and wants to build a successful career within the specialist second charge mortgage sector. You will be responsible for providing high-quality, compliant advice to customers, understanding their individual circumstances and financial objectives, and helping them find an appropriate second charge mortgage solution.

We can facilitate in-office, a hybrid working model or full remote giving you the flexibility to work how you want to work.

What You'll Be Doing

• Conducting high-quality, compliant second charge mortgage advice
• Speaking with customers to understand their financial circumstances, objectives and requirements
• Assessing customer needs and identifying suitable lending solutions
• Explaining mortgage products, costs, risks and repayment options clearly
• Working with our underwriting team to managing customer applications through to completion
• Building strong relationships with customers and lenders
• Maintaining accurate and compliant customer records
• Ensuring all advice meets FCA regulatory requirements and our internal compliance standards
• Working towards individual and team targets
• Delivering an excellent customer experience throughout the advice process

What We're Looking For

We're looking for someone who is:

• A qualified Mortgage Adviser - CeMAP qualified or equivalent
• Ideally experienced within second charge mortgages, secured lending or specialist lending but not required
• Confident providing advice over the telephone
• Commercially driven and motivated by earning potential
• Customer-focused, with excellent communication skills
• Comfortable working in a target-driven environment
• Highly organised with strong attention to detail
• Committed to delivering compliant, high-quality advice
• Able to work independently while also contributing positively to a team

What's In It For You?

£35,000 basic salary

£71,000 OTE - UNCAPPED BONUS – the more you achieve, the more you can earn

Hybrid working

• Monday to Friday working
• Supportive team environment
• Established second charge mortgage proposition
• Quality leads and opportunities to generate significant earnings
• Full training and ongoing development
• Work within a growing financial services business
• A role where your performance and success are genuinely rewarded

Why Second Charge Mortgages?

Second charge mortgages are a specialist and growing area of the mortgage market, providing advisers with the opportunity to help customers who may have more complex borrowing requirements. If you're an ambitious Mortgage Adviser looking for your next challenge, want to specialise in second charge lending and are motivated by uncapped earning potential, we’d love to hear from you.