Mortgage and Protection Advisor

NestGuard Financial Services; Carmarthen; Hybrid; GBP 24,000 - 42,000; Full time

Job summary

Just Mortgages SE Group in Carmarthen offers a full-time Mortgage and Protection Advisor role with hybrid work and home flexibility. You will provide tailored mortgage and protection advice, assess client needs, recommend suitable products, and manage applications through to completion.

Daily duties include client consultations, maintaining records, managing pipelines, and ensuring regulatory compliance, while actively generating new business through networking and follow-up on leads from the

Qualifications

• Strong client relationship and communication skills; ability to explain complex products clearly.
• Proven experience in mortgage advising or financial services with knowledge of mortgage products, protection policies, and lending criteria.

Responsibilities

• Conduct client consultations to assess needs and recommend suitable mortgage and protection products.
• Maintain accurate records, manage pipelines, and ensure regulatory and internal compliance.

Skills

Strong client relationships

Mortgage product knowledge

CeMAP or equivalent

Education

CeMAP

Job description

Company Description

Just Mortgages SE Group is part of one of the UK’s largest and most established property and mortgage broker firms, Spicerhaart, founded in 1989. The group supports ambitious Mortgage and Protection Advisors who want the freedom to build their own business with the backing of a trusted national brand. Advisors benefit from a comprehensive support model, including business development, marketing, digital tools, training, lead generation, and technical guidance across mortgages, protection, wealth, equity release, and commercial lending. From the moment advisors apply, they are paired with a dedicated Business Manager who provides tailored guidance and practical support to help them achieve long-term growth and success. Just Mortgages SE Group offers an environment focused on opportunity, progression, and confidence in building a sustainable advisory business.

Role Description

This is a full-time Mortgage and Protection Advisor role based in Carmarthen, offered on a hybrid basis with some work from home flexibility. The advisor will provide tailored mortgage and protection advice to clients, assessing their needs, recommending suitable products, and managing applications through to completion. Daily responsibilities include conducting client consultations, maintaining accurate records, managing pipelines, and ensuring compliance with regulatory and internal standards. The advisor will also focus on generating new business through relationship building, networking, and following up on leads provided by the wider Just Mortgages SE Group. Collaboration with the dedicated Business Manager, participation in ongoing training, and proactive use of marketing and digital support will be key to growing a successful advisory practice.

Qualifications

• Strong client relationship and communication skills, including the ability to explain complex financial products in clear, accessible language.
• Proven experience in mortgage advising or financial services, with a solid understanding of mortgage products, protection policies, and lending criteria.
• Relevant professional qualifications such as CeMAP (or equivalent) and a commitment to ongoing professional development.
• Ability to work both independently and collaboratively, managing time effectively in a hybrid environment across office and home-based work.
• High level of integrity, attention to detail, and commitment to regulatory compliance and best-practice standards.
• Commercial awareness and business development skills, including networking, lead conversion, and building a sustainable client base.
• Competence with digital tools and CRM systems for managing client information, workflows, and documentation.
• Experience or interest in advising across additional areas such as wealth, equity release, business protection, or commercial lending is advantageous.