Mortgage & Protection Adviser

Cameo Consultancy (Recruitment) Limited; Chipping Norton; Hybrid; GBP 30,000 - 35,000; Full time

Benefits offered by this job

Employed or self-employed option

Base salary 30k-35k

Uncapped earnings

Commission structure

Flexible remote work

Chipping Norton office

Admin & compliance support

Systems access

Ongoing CPD

Career development pathway

Job summary

Cotswold Financial Solutions Ltd, a Partner Practice of St. James's Place Wealth Management, is seeking an experienced Mortgage & Protection Adviser in the UK. Join on an employed or self-employed basis with flexible remote work and a clear progression path toward Financial Adviser status.

Your role covers advising on mortgages and protection, managing cases from enquiry to completion, and building lasting client relationships with strong compliance and professional development support.

Qualifications

• 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 regulatory environment.
• Strong communication, relationship-building and organisational skills.
• The confidence to work independently while contributing to the wider team.
• Full right to work in the UK.
• Suitable professional references that can be contacted and verified.
• Experience managing an existing client bank or developing referrals is advantageous.

Responsibilities

• Providing mortgage and protection advice tailored to individual client needs.
• Completing fact-finds, affordability assessments and 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.
• Keeping up to date with lender criteria, product developments and regulatory requirements.
• Building strong client relationships and developing repeat and referral business.
• Managing your own diary, workload and pipeline.

Skills

CeMAP 1-3 or equivalent

Regulated mortgage advice

Protection advice experience

Mortgage product knowledge

Regulatory compliance

Communication skills

Independent worker

UK work rights

Client bank management (advantageous)

Job description

Mortgage & Protection Adviser

Chipping Norton, Oxfordshire | Flexible/remote working
Employed: £30,000-£35,000 basic + uncapped earnings
Self-employed: Competitive commission structure + uncapped earning potential

Are you an experienced Mortgage & Protection Adviser looking for greater flexibility, strong support and the opportunity to develop your career?

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.

With the option to join on an employed or self-employed basis, this is a flexible opportunity that can be shaped around the right individual. 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
• Keeping up to date with lender criteria, product developments and regulatory requirements
• Building strong client relationships and developing repeat and referral business
• Managing your own diary, workload and pipeline

About you

As the 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 regulatory environment
• Strong communication, relationship-building and organisational skills
• The confidence to work independently while contributing to the wider team
• Full right to work in the UK
• Suitable professional references that can be contacted and verified
• Experience managing an existing client bank, developing professional referral relationships or generating new business would be advantageous

What's on offer?

• Choice of employed or self-employed working arrangements
• £30,000-£35,000 basic salary for employed advisers
• Uncapped performance-related earning potential
• Clearly defined commission structure
• Flexible remote working alongside the Chipping Norton office
• Administrative and compliance support
• Access to the firm's systems and resources
• Ongoing training, CPD and professional development
• Friendly and supportive working environment
• Supported pathway towards becoming a Financial Adviser for the right individual

If you're an experienced Mortgage & Protection Adviser looking for greater flexibility, professional support and genuine long-term career development, we'd love to hear from you.

Cotswold Financial Solutions Ltd is a Partner Practice of St. James's Place Wealth Management

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