Mortgage & Protection Adviser

Southover Wealth; Greater London; Hybrid; GBP 36,000 - 44,000; Full time

Benefits offered by this job

Hybrid working

Pension & benefits

Leads provided by advisers

Strong earning potential

Job summary

Southover Wealth in London is seeking an experienced Mortgage & Protection Adviser to join our growing team. You will focus on delivering high-quality mortgage and protection advice to existing and new clients, with leads provided by our established advisers.

This role offers a base salary up to £40,000 plus an uncapped quarterly bonus and performance-based increases, with a supportive, non-self-employed setup and hybrid working in West Sussex. A strong client-first approach is essential.

Qualifications

• Holds the appropriate UK mortgage advice qualification (CeMAP or equivalent).
• At least 3 years of regulated mortgage advisory experience.
• Strong knowledge of residential mortgage products and UK lending.
• Excellent communication and client relationship skills.
• Organised and able to manage a pipeline of cases.
• Commercially minded with a client-first approach.
• Comfortable collaborating with advisers and support staff.

Responsibilities

• Advise clients on residential mortgages and remortgages.
• Provide protection advice (life cover, critical illness, income protection).
• Manage clients from enquiry to completion.
• Maintain records and compliance.
• Develop and grow mortgage and protection proposition.
• Proactively contact existing clients ahead of renewal dates.
• Identify opportunities to support clients with wider mortgage and protection needs.
• Work with advisers to refer high-value opportunities.

Skills

Regulated mortgage advice

Client relationship skills

Communication skills

Organisation

Education

CeMAP or equivalent

Job description

£40,000 basic salary + uncapped quarterly bonus OTE £60,000 to £100,000

Southover Wealth is looking for an experienced Mortgage & Protection Adviser to join our growing team.

This is a strong opportunity for an adviser who enjoys advising clients but does not want to spend their time generating their own leads. You will be supported by an established financial planning business with a large existing client base and a significant mortgage book, with leads provided directly by our financial advisers.

The role will focus on providing high-quality mortgage and protection advice to both existing and new clients.

The role

You will be responsible for:

• Advising clients on residential mortgages, remortgages and related lending needs
• Providing suitable protection advice, including life cover, critical illness and income protection
• Managing clients from initial enquiry through to completion
• Building strong relationships with our financial advisers and ensuring referred clients receive an excellent service
• Proactively contacting existing clients ahead of mortgage renewal dates
• Identifying opportunities to support clients with wider mortgage and protection needs
• Maintaining accurate records and meeting all regulatory and compliance requirements
• Helping develop and grow Southover Wealth’s mortgage and protection proposition

Leads provided

This is not a traditional self-employed or self-generation mortgage role.

Southover Wealth has an established client bank of approximately 650 households with around £100 million of existing mortgage borrowing, alongside a growing financial planning business.

Mortgage and protection opportunities will be referred directly by our team of financial advisers, giving the successful candidate a strong pipeline of existing-client and new-client opportunities.

There is also scope to generate your own business should you wish to do so.

Remuneration

• Up to £40,000 basic salary
• Uncapped quarterly performance bonus
• Bonus increases as revenue production grows
• Strong earning potential for a high-performing adviser
• Employer pension and benefits
• Hybrid working based in West Sussex

The bonus structure is designed to reward sustained performance, with increasingly attractive commission rates as quarterly revenue targets are exceeded.

What we are looking for

We are looking for an experienced adviser who:

• Holds the appropriate UK mortgage advice qualification, such as CeMAP or equivalent
• Has previous experience providing regulated mortgage advice for at least 3 years
• Has strong knowledge of residential mortgage products and the UK lending market
• Has excellent communication and client relationship skills
• Is organised and comfortable managing a pipeline of cases
• Is commercially minded while maintaining a strong client-first approach
• Is comfortable working collaboratively with financial advisers and support staff
• Experience advising higher-value or professional clients would be beneficial but is not essential.

About Southover Wealth

Southover Wealth is an established financial planning business advising clients across London and the South East.

We are focused on building long-term relationships with our clients and providing high-quality financial planning across investments, pensions, protection and mortgages.

The mortgage and protection division is an important area of growth for the business, and the successful candidate will have the opportunity to play a significant role in developing it.

You will benefit from:

• A substantial existing client bank
• Mortgage leads provided by financial advisers
• No requirement to cold call
• A high basic salary
• The opportunity to develop a significant mortgage and protection business within an established financial planning firm
• Long-term career progression as the division grows

If you are an experienced Mortgage & Protection Adviser looking for a role where you can focus on advising clients, build recurring relationships and benefit from a strong existing source of leads, we would be pleased to hear from you.