Mortgage Advisor

Citrus Elite Recruitment Ltd; Cardiff; Hybrid; GBP 35,000 - 60,000; Full time

Benefits offered by this job

Uncapped commission

34 days leave

Pension plan

Training & development

Hybrid working

Free onsite parking

Social events

Job summary

Citrus Elite Recruitment Ltd is recruiting a Specialist Mortgage Advisor in Cardiff. This telephone-based advisory role handles mortgage journeys from application through completion, with regulated advice and structured training under a Competent Adviser Scheme.

All leads are provided; the role includes hybrid working after probation, with a base salary of £35,000 and realistic OTE of £60,000+. Full training and ongoing professional development are offered.

Qualifications

• CeMAP qualified.
• Minimum 12–18 months mortgage advice experience.
• Strong understanding of mortgage application processes and lender criteria.
• Excellent telephone, computer literacy, written communication and relationship-management skills.
• Ability to manage a busy pipeline and prioritise live applications.

Responsibilities

• Provide suitable mortgage advice based on the customer’s circumstances and objectives.
• Manage a busy pipeline from initial application to completion.
• Complete fact-finds and assess affordability, credit history, income and supporting documentation.
• Research suitable lenders and products across the market.
• Package applications in line with lender requirements and ensure documentation is complete and compliant.
• Provide clear, compliant mortgage recommendations and progress updates to customers and introducers.
• Liaise with solicitors, surveyors and other parties to progress applications efficiently.
• Maintain up-to-date customer records and comply with FCA requirements.

Skills

Telephone communication

CRM skills

Attention to detail

Organisation

Customer service

Education

CeMAP

Tools

CRM software

Job description

Specialist Mortgage Advisor

Cardiff

Are you a Mortgage Advisor with a minimum of 12-18 months recent experience and now looking for a better all-round package where you can significantly improve your earnings and be fully supported with industry leading training?

If the answer is yes, then the chances are this opportunity is for you.

CeMAP Qualified

Salary: £35,000 Region

On-Target Earnings: Realistic First Year OTE of £60,000+ with uncapped commission

Working Hours: Monday to Thursday, 09:00–17:00 Hrs, and Friday, 09:00–16:30 Hrs

No weekend or bank holiday working

Our client is an FCA-authorised specialist mortgage brokerage based in Cardiff.

The business predominantly operate on a B2B basis, with most of their business introduced by mortgage brokers across the UK. Brokers refer customers to them when specialist lending expertise is required, when they do not have access to the most appropriate lender or product, or where their lending solutions may provide greater flexibility for the customer’s circumstances.

Our clients main area’s of expertise includes specialist residential mortgages, buy-to-let, first and second charge mortgages, bridging finance, lifetime mortgages and commercial finance.

They also have access to the wider mortgage market, including high street lenders, which they use where appropriate for direct customers and customer referrals.

Due to continued growth, they are looking for a CeMAP-qualified mortgage professional to join their expanding team.

The Opportunity

This is a telephone-based advisory role where you will take full ownership of each customer’s mortgage journey, from the initial application through to completion. You will provide regulated mortgage advice, assess and package cases for submission, liaise with lenders and professional partners, and ensure every application progresses as smoothly and efficiently as possible.

All leads are provided, with no requirement to generate your own business.

Before an enquiry is passed to the company, the introducing mortgage broker will have received an indicative quotation based on the customer’s stated needs and circumstances. The broker will have discussed this with their longstanding customer and, once the customer confirms they are happy to proceed, the adviser will make contact to complete the full advice and application process and manage the case through to completion.

Your core workload will include specialist first charge, second charge, residential and buy-to-let mortgages, alongside some high street residential cases.

You will receive structured training in specialist mortgage advice and packaging and will be supported under our Training and Competence Scheme until you achieve Competent Adviser Status and full role competency sign-off.

Key Responsibilities

• Provide suitable mortgage advice based on the customer’s individual circumstances, needs and objectives.
• Manage a busy pipeline of mortgage applications from initial application through to completion.
• Complete detailed fact-finds and assess affordability, credit history, income and supporting documentation.
• Research suitable lenders and products across the specialist and wider mortgage market.
• Assess cases against lender criteria before making a recommendation or submitting an application.
• Package applications in line with lender requirements, ensuring documentation is complete, accurate and ready for submission.
• Prepare clear and compliant mortgage recommendations and supporting documentation.
• liaise directly with customers, introducing brokers, lenders and Business Development Managers throughout the application process.
• Work closely with solicitors, surveyors, accountants and other professional parties to progress applications efficiently.
• Identify and resolve issues that may prevent or delay an application.
• Provide customers and introducers with regular, accurate progress updates.
• Confidently handle questions and objections while providing clear and professional guidance.
• Maintain accurate and up-to-date customer records, CRM notes and compliance documentation.
• Keep up to date with lender criteria, product changes and relevant FCA requirements.
• Deliver consistently good customer outcomes while meeting regulatory and internal quality standards.

About You

You will be a confident and customer-focused mortgage professional who can assess complex circumstances, provide suitable advice and take full ownership of applications from initial fact-find through to completion.

The role requires strong technical knowledge, sound judgement and excellent attention to detail, together with the ability to interpret lender criteria, review supporting documentation and identify suitable solutions across the specialist and wider mortgage market.

You will also need to be highly organised, proactive and comfortable managing a busy pipeline while maintaining clear communication with customers, lenders and professional partners. A strong commitment to compliance, accurate record-keeping and consistently good customer outcomes is essential.

Essential Requirements

• CeMAP qualified.
• A minimum of 12-18 months mortgage advice experience is essential. Experience in mortgage packaging, underwriting or case management would be advantageous, although full training will be provided.
• An excellent understanding of mortgage application processes and lender criteria.
• Strong attention to detail and the ability to review financial and supporting documentation accurately.
• Excellent telephone, computer literacy, written communication and relationship-management skills.
• The ability to organise and prioritise a busy pipeline of live applications.
• Confidence discussing mortgage options and handling customer questions or objections.
• A proactive, positive and solution-focused approach.
• A clear commitment to FCA compliance and delivering good customer outcomes.

Desirable Experience (not essential)

• Specialist first charge mortgage advice or packaging.
• Second charge mortgage advice or packaging.

Full specialist training, supervision and support will be provided through our Training and Competence Scheme.

What’s on Offer for you

• Competitive basic salary of £35,000.
• Uncapped commission with realistic first year on-target earnings of £60,000+.
• All leads provided, with no requirement to source your own customers.
• Additional company bonus scheme.
• 34 days’ annual leave, including bank holidays & birthday off.
• Company pension scheme.
• Structured specialist lending training.
• Support towards Competent Adviser Status and full role competency sign-off.
• Ongoing professional development and career progression.
• Hybrid working following successful completion of probation and competency sign-off.
• Free onsite parking.
• Regular company social events.