Mortgage & Protection Adviser

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

Benefits offered by this job

Employed option

£30k-£35k basic

Uncapped earnings

Commission structure

Flexible remote work

Chipping Norton office

CPD & training

Job summary

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

The role offers flexible/remote working and a choice of employed or self-employed arrangements. You will provide professional, compliant mortgage and protection advice, manage cases from enquiry to completion, and build long-term client relationships while keeping up to date with lender criteria

Qualifications

• CeMAP 1, 2 and 3, Cert CII (MP), or equivalent mortgage qualification.
• Experience providing regulated mortgage advice.
• Experience providing protection advice alongside mortgage recommendations.
• Sound understanding of mortgage products, lender criteria and regulatory environment.

Responsibilities

• 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.

Skills

Regulated mortgage advice

Relationship building

Organisation

Independent work

Education

CeMAP 1-3 / Cert CII (MP)

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

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.