Mortgage & Protection Adviser

Cameo Consultancy Recruitment Ltd; Chipping Norton; Hybrid; GBP 30,000 - 35,000; Full time

Benefits offered by this job

Hybrid/flexible working

Leads and support

Professional development

Job summary

Cotswold Financial Solutions Ltd, a Partner Practice of St. James's Place Wealth Management, is seeking an experienced Mortgage & Protection Adviser to join its established team in Chipping Norton.

You will provide professional, compliant mortgage and protection advice, building trusted client relationships from enquiry to completion and growing your own client bank with leads and support. Hybrid/flexible working is available, with an employed package including a realistic OTE £65,000-£70,000.

Qualifications

• Qualified mortgage adviser with CeMAP 1–3 or equivalent.
• Experience providing regulated mortgage advice and protection guidance.
• Strong knowledge of lenders, products and regulatory requirements.

Responsibilities

• Provide compliant mortgage and protection advice tailored to client needs.
• Complete fact-finds and affordability assessments, research products.
• Manage applications through to completion and maintain records.
• Liaise with lenders, solicitors and professionals; build client relationships.
• Develop own client bank with leads from the business.

Skills

Mortgage advice

Protection advice

Regulated environment

Client relationship building

Independent working

Communication skills

Education

CeMAP 1, 2, 3

Cert CII (MP)

Job description

Chipping Norton, Oxfordshire Hybrid/flexible working
£30,000-£35,000 basic + realistic OTE £65,000-£70,000

Are you an experienced Mortgage & Protection Adviser looking for an opportunity where you can build your own client bank, develop your earnings and become a long‑term part of a supportive team?

Cotswold Financial Solutions Ltd, a Partner Practice of St. James's Place Wealth Management, is looking for a qualified Mortgage & Protection Adviser to join its established and growing team in Chipping Norton

This is primarily an employed opportunity, offering a £30,000-£35,000 basic salary with realistic OTE of £65,000-£70,000. You'll receive leads and support from the wider business while developing your own client relationships and growing your client bank

The team is looking for someone who wants to build a career with the business and become an integral part of it. You'll spend a reasonable amount of time working alongside the team in the Chipping Norton office, with flexibility and hybrid working available.

For someone looking to develop further, there is also a supported pathway towards becoming a Financial Adviser within the St. James's Place Partnership

About the role

You’ll provide professional, compliant and client‑focused mortgage and protection advice, building trusted, long‑term relationships and managing cases from initial enquiry through to completion and beyond.

Key responsibilities will include:

• Providing mortgage and protection advice tailored to individual client needs
• Completing fact‑finds, affordability assessments and appropriate product research
• Managing mortgage and protection applications through to completion
• Maintaining accurate client records and compliant file notes
• Liaising with lenders, providers, solicitors, estate agents and other professionals
• Building strong client relationships and developing repeat and referral business
• Developing your own client bank with leads and support from the wider business
• Managing your own diary, workload and pipeline

About you

As Mortgage & Protection Adviser, you'll need:

• CeMAP 1, 2 and 3, Cert CII (MP), or an equivalent recognised mortgage qualification
• Experience providing regulated mortgage advice
• Experience providing protection advice alongside mortgage recommendations
• A sound understanding of mortgage products, lender criteria and the regulatory environment
• Strong communication and relationship‑building skills
• Excellent organisation and case‑management skills
• The confidence to work independently whilst being an active part of the wider team

What's on offer?

• £30,000-£35,000 basic salary
• Realistic OTE of £65,000-£70,000
• Uncapped performance‑related earnings
• Leads and support from the wider business
• Opportunity to develop your own client bank
• Hybrid/flexible working
• Administrative and compliance support
• Ongoing training, CPD and professional development
• Supportive, established team
• Supported pathway towards becoming a Financial Adviser for the right person

Although this is primarily an employed opportunity, the business would also consider an experienced self‑employed adviser with an established client bank

If you're an experienced Mortgage & Protection Adviser looking for the opportunity to grow your earnings, develop your own client base and build a long‑term career within a supportive business, we’ll love to hear from you.