Mortgage Broker

LJ Recruitment; Canvey Island; Hybrid; GBP 27,000 - 33,000; Full time

Job summary

LJ Recruitment seeks an experienced Mortgage Broker to join our expanding Essex team. You will meet clients, assess their finances, and recommend mortgage solutions, drafting cases for our admin team to finalise. You’ll also expand your own client base through referrals and local networking.

The ideal candidate has 6-12 months broking experience, CeMAP or CF1/CF6, and a client-focused, compliant approach. Hybrid working across local branches with strong earning potential via commissions.

Qualifications

• CeMAP or CF1 and CF6.
• Experience as Mortgage Broker or Mortgage Adviser.
• Good knowledge of mortgage products, affordability, rates and lending criteria.
• Understanding of debt consolidation implications for clients.
• Excellent communication and interpersonal skills.
• Strong organisational skills and attention to detail.
• Ability to manage multiple client cases effectively.
• Professional, ethical and compliant approach.
• Confidence building relationships and generating new business.

Responsibilities

• Conduct client appointments and assess financial circumstances and mortgage requirements.
• Provide clear, compliant advice on mortgage products and lending options.
• Recommend suitable mortgage solutions based on individual client circumstances.
• Advise clients on remortgaging and debt consolidation where appropriate.
• Prepare and present mortgage recommendations and applications.
• Liaise with lenders, estate agents, solicitors and other professional partners.
• Build strong, long-term relationships with clients.
• Manage multiple cases and provide clients with regular updates.
• Maintain accurate and compliant client records.
• Keep up to date with lender criteria, mortgage products, market developments and regulatory requirements.
• Contribute to local marketing, networking and business development activity.
• Work closely with the administration team following submission of cases.

Skills

CeMAP

CF1

CF6

Mortgage broking experience

Mortgage products knowledge

Debt consolidation understanding

Communication skills

Interpersonal skills

Organisational skills

Business development

Job description

Mortgage Broker Independent Mortgage Brokerage - Essex Salary: £30,000 + uncapped commission Full-time | Hybrid working | Monday-Friday + alternate Saturdays

About the Company

An established and growing mortgage advisory and brokerage firm is looking for an experienced Mortgage Broker to join its expanding team. The business works with a diverse range of clients, from first-time buyers and home movers to customers looking to remortgage or consolidate debt. With strong relationships across the local property market, the company is well positioned to provide a consistent flow of client opportunities alongside opportunities for brokers to develop their own business. The business prides itself on professional, transparent and compliant mortgage advice, while providing brokers with the support they need to focus on advising clients and writing business.

The Role

We are looking for a motivated Mortgage Broker to join the team. You will be responsible for meeting clients, understanding their financial circumstances and objectives, and recommending appropriate mortgage solutions. The role is focused primarily on the advice and sales side of the mortgage process. You will draft and pitch mortgage cases before handing them over to a dedicated administration team to manage the ongoing administrative process. You will also have the opportunity to develop your own client relationships and generate additional business through referrals, networking and local business development.

Key Responsibilities

• Conduct client appointments and assess financial circumstances and mortgage requirements.
• Provide clear, compliant advice on mortgage products and lending options.
• Recommend suitable mortgage solutions based on individual client circumstances.
• Advise clients on remortgaging and debt consolidation where appropriate.
• Prepare and present mortgage recommendations and applications.
• Liaise with lenders, estate agents, solicitors and other professional partners.
• Build strong, long-term relationships with clients.
• Manage multiple cases and provide clients with regular updates.
• Maintain accurate and compliant client records.
• Keep up to date with lender criteria, mortgage products, market developments and regulatory requirements.
• Contribute to local marketing, networking and business development activity.
• Work closely with the administration team following submission of cases.

About You

We're ideally looking for someone with 6-12 months' minimum mortgage broking experience. This could be particularly well suited to someone who has received strong initial training within a larger estate agency or mortgage network and is now looking for greater earning potential, support and flexibility.

You'll ideally have:

• CeMAP, or CF1 and CF6.
• Previous experience as a Mortgage Broker or Mortgage Adviser.
• Good knowledge of mortgage products, affordability, interest rates and lending criteria.
• An understanding of debt consolidation and its implications for clients.
• Excellent communication and interpersonal skills.
• Strong organisational skills and attention to detail.
• The ability to manage multiple client cases effectively.
• A professional, ethical and compliant approach.
• Confidence building relationships and generating new business.

Salary & Commission

£30,000 basic salary + uncapped commission

The commission structure includes:

• 40-50 leads provided per month
• £6,000 monthly fresh-hold target
• 25% commission on business above the £6,000 threshold from provided leads
• 35% commission on self-generated business - comprising the standard 25% plus an additional 10%

Strong earning potential through a combination of provided and self-generated business.

Working Pattern

The role offers a flexible hybrid working arrangement across several local locations in Essex:

• 2 days per week working from a local estate agency branch
• 2 days working from home
• 1 day per week at the company's head office
• 9:00am-6:00pm, Monday to Friday
• Every other Saturday, with a day off in lieu during the following week.

Due to the requirement to travel between local branches and the head office, a full UK driving licence and access to a car would be advantageous.

What's on Offer?

• £30,000 basic salary
• Uncapped commission
• 40-50 leads provided every month
• Enhanced commission for self-generated business
• Hybrid working
• Multiple local office locations
• Dedicated administration support
• Established relationships within the local property market
• Opportunity to build your own client network
• Supportive environment with a strong focus on client service and professional development

If you're a qualified Mortgage Broker with 6-12 months' experience and are looking for a role offering a strong lead flow, attractive commission structure and genuine hybrid flexibility, we'd love to hear from you.

Take the next step in your mortgage career and join a growing independent brokerage