Mortgage Advisor

IPOE Consulting; Greater London; On-site; GBP 45,000 - 65,000; Full time

Job summary

IPOE Consulting seeks an experienced Mortgage Adviser to join its Private Banking team, delivering bespoke mortgage advice to affluent and high-net-worth clients and cultivating long-term relationships and referral partnerships.

You will manage end-to-end mortgage processes, ensure FCA compliance, and collaborate with Relationship Managers, Credit Risk and Operations to deliver a smooth client journey while supporting mortgage portfolio growth.

Qualifications

• Experience delivering mortgage advice to affluent/HNW clients.
• Strong knowledge of Residential and Buy-to-Let mortgage products.
• Excellent communication, networking and business development skills.
• Good understanding of FCA regulations and compliance requirements.

Responsibilities

• Provide bespoke mortgage advice and lending solutions to affluent and high-net-worth clients.
• Build and maintain relationships with mortgage intermediaries and introducers to generate referrals.
• Manage end-to-end mortgage process from enquiry to completion with onboarding and credit prep.
• Deliver ongoing relationship management and expand mortgage portfolio with Private Banking products.

Skills

Relationship management

Mortgage advice

Regulatory compliance

Communication skills

Networking

Business development

Education

Bachelor's degree or equivalent experience

Job description

Are you an experienced Mortgage Adviser with a passion for delivering bespoke lending solutions to affluent and high-net-worth clients?

We are seeking a highly motivated and relationship-driven professional to join our client's Private Banking team. This is an exciting opportunity to work with sophisticated clients, providing expert mortgage advice while contributing to the growth of a prestigious banking business.

The Opportunity

As a Mortgage Adviser, you will deliver tailored mortgage solutions designed to meet the complex borrowing and property investment requirements of affluent and high-net-worth individuals. You will play a key role in developing long-term client relationships, building strategic referral partnerships, and expanding the bank’s mortgage portfolio in line with its growth strategy.

Working closely with Private Banking, Credit Risk, and Operations teams, you will ensure a seamless client journey from initial enquiry through to completion, while maintaining the highest standards of regulatory compliance and client service.

Key Responsibilities

• Provide bespoke mortgage advice and lending solutions to affluent and high-net-worth clients.
• Build and maintain strong relationships with mortgage intermediaries, professional introducers, and industry contacts to generate high-quality referral opportunities.
• Manage the end-to-end mortgage process, including client onboarding, account opening, credit application preparation, and compliance requirements.
• Deliver exceptional ongoing relationship management, identifying opportunities to deepen client relationships through associated Private Banking products and services.
• Ensure all mortgage recommendations comply with FCA regulations and internal policies, maintaining accurate and comprehensive documentation.
• Collaborate with Relationship Managers, Credit Risk, and Operations teams to provide a smooth and efficient client experience.
• Maintain strong market knowledge across residential and buy-to-let mortgages, property markets, lending criteria, and competitor offerings.
• Contribute to business growth by identifying opportunities to expand the mortgage book, attract deposits, and support wider strategic initiatives.

About You

You will be a proactive and commercially minded Mortgage Adviser with experience delivering both regulated and non-regulated mortgage advice.

• Experience advising affluent and high-net-worth clients.
• Strong knowledge of Residential and Buy-to-Let mortgage products.
• Proven ability to build and maintain trusted client relationships.
• Experience managing mortgage applications from enquiry to completion.
• Excellent communication, networking, and business development skills.
• Strong understanding of FCA regulations and compliance requirements.
• Degree educated or able to demonstrate equivalent experience within banking or financial services.

Why Join Us?

• Work with an established Private Banking business.
• Advise a sophisticated and affluent client base.
• Build relationships with influential introducers and advisers.
• Join a collaborative and high-performing team.
• Play a key role in the continued growth of the mortgage proposition.

If you are passionate about delivering exceptional client outcomes and building long‑term relationships within the HNW mortgage market, we would love to hear from you.