Senior Mortgage & Protection Consultant

James McKenzie Wills Limited; East Grinstead; Hybrid; GBP 30,000 - 45,000; Full time

Benefits offered by this job

Annual discretionary performance bonus

Hybrid working environment

Funded qualifications

Professional development opportunities

Career progression

Job summary

James McKenzie Mortgages is seeking a Mortgage Consultant to advise clients via employer benefit platforms on residential mortgages and protection, ensuring FCA compliance and lender criteria. You will join a team of professionals, delivering expert, empathetic service from initial enquiry through to completion, with a service-led, non-sales driven approach.

Responsibilities include advising on purchases, remortgages and buy-to-let, managing applications, maintaining CRM records and

Qualifications

• Minimum 2 years' client-facing experience (face-to-face and/or virtually).
• Proven experience advising on residential mortgages and protection products.
• Strong understanding of FCA regulations and complianceRequirements.
• Excellent communication and client-care skills.
• Ability to manage client cases from initial enquiry through to completion.

Responsibilities

• Offer expert mortgage and protection advice to clients while ensuring recommendations are suitable and compliant.
• Advise on residential purchases, remortgages, first-time buyer mortgages, home mover mortgages, and buy-to-let lending.
• Assess clients' financial circumstances, affordability and borrowing capacity with FCA compliance.
• Build and maintain strong client relationships with a bespoke, professional service.
• Explain complex mortgage products, lender criteria and protection solutions clearly.
• Research and recommend suitable mortgage products from across the market.

Skills

Client-facing experience

Excellent communication

Team player

CRM familiarity

Microsoft Office proficiency

Tools

CRM systems

Microsoft Office

Job description

James McKenzie Mortgages is a specialist mortgage and protection advisory business, focusing primarily on providing mortgage and related financial wellbeing services to employees of large multinational companies. Mortgages represent one of the most significant financial commitments individuals will make during their lifetime, and access to professional mortgage advice is an increasingly valuable employee benefit.

The role of a Mortgage Consultant encompasses offering advice to our clients, who have elected to use our mortgage services via their employer's benefit platform, on a variety of mortgage and protection matters, ensuring compliance with FCA regulations, lender requirements and company procedures. You will be joining a team of highly skilled professionals and, following your initial training, you will be providing expert advice on residential mortgages, remortgages, first-time buyer mortgages, buy-to-let lending and associated protection products. Whilst tailoring your approach to the needs of each individual client, you will strive to help clients navigate the mortgage landscape with confidence, professionalism and empathy.

This is a service-led advisory role rather than a sales-focused position. Clients are provided through established corporate partnerships and internal referral channels. There are no individual sales targets or commission structures attached to this role. Success is measured through client outcomes, service quality, compliance, technical knowledge, client satisfaction and contribution to the wider business.

Main responsibilities:

• Offering expert mortgage and protection advice to James McKenzie clients whilst ensuring recommendations are suitable, compliant and aligned with clients' objectives.
• Advising clients on residential purchases, remortgages, first-time buyer mortgages, home mover mortgages, buy-to-let lending and associated borrowing requirements.
• Assessing clients' financial circumstances, affordability and borrowing capacity whilst ensuring compliance with FCA regulations and internal procedures.
• Building and maintaining strong client relationships, offering a bespoke, professional and empathetic service.
• Explaining complex mortgage products, lender criteria and protection solutions in a clear and understandable manner.
• Researching and recommending suitable mortgage products from across the market based on client needs and circumstances.
• Advising clients on associated protection products including life insurance, critical illness cover, income protection and family protection arrangements where appropriate.
• Managing mortgage applications from initial enquiry through to completion, liaising with lenders, solicitors, estate agents and other third parties as required.
• Working closely with the James McKenzie Wills and Estate Planning teams to ensure clients receive a holistic and joined-up service where appropriate.
• Communicating efficiently with lenders, solicitors, estate agents, protection providers and the wider team.
• Conducting research and drawing from market updates, lender criteria and industry developments to provide the most suitable advice and recommendations.
• Able to interpret and apply technical mortgage and protection knowledge so that it applies to practical client solutions.
• Prioritising work so that deadlines, lender requirements and company SLAs can be met.
• Responsible for gathering and maintaining accurate and relevant client information, records and compliance documentation.
• Following up with clients after their initial meeting to obtain any outstanding information and answer any questions so that mortgage applications can progress efficiently.
• Updating CRM systems accurately and promptly.
• Producing technically accurate and compliant suitability documentation and recommendations.
• Answering client calls and emails within company SLAs.
• Monitoring applications throughout the underwriting process and proactively managing any issues that may arise.
• Supporting clients with the completion and submission of mortgage and protection applications.
• Supporting client education through presentations, webinars, employee benefit events and financial wellbeing initiatives.
• Regular attendance at client roadshows and employee engagement events to help promote awareness of mortgage and protection services.
• Regular regional client meetings. An overnight stay may be required.
• Diary management – review and maintain your diary weekly. Work closely with your Team Leader and support teams for cost-efficient travel and accommodation arrangements.
• Assist other areas of the business in peaks and quiet periods.
• Further development of knowledge and skills via additional external studies and qualifications may be required following successful completion of probation.

Required skills

• Highly presentable professional with excellent verbal and written communication skills.
• Exceptional client care skills. Empathetic, personable and consultative.
• Works well under pressure on their own and as part of a team.
• Minimum of 2 years' client-facing experience (face-to-face and/or virtually).
• Able to convey complex mortgage and financial information in a simple way, ensuring clients fully understand their options and recommendations.
• Strong attention to detail, able to complete tasks promptly and accurately.
• Fast learner keen to develop skills and knowledge further.
• Flexible, can-do attitude. Copes well in fast-paced environments.
• Confident with managing emails, administration, CRM systems and Microsoft Office.
• Clean driving licence (own car not required).

Essential Skills & Qualifications

• Proven experience advising on residential mortgages and associated protection products.
• Proven experience within mortgage advice or financial services.
• Strong understanding of mortgage products, lender criteria and affordability assessments.
• Knowledge of protection products including life insurance, critical illness cover and income protection.
• Good understanding of FCA regulations and compliance requirements.
• Ability to manage client cases from initial enquiry through to completion.
• Experience handling sensitive client financial information with professionalism and discretion.
• Very good connections to London and East Grinstead (HQ) and flexible to travel.

You will be exposed to high-level client work within a collaborative and encouraging culture. James McKenzie Mortgages is committed to investing in the professional development of its people and will support further industry qualifications and ongoing professional development.

Employees who consistently demonstrate exceptional client care, technical competence, professionalism and alignment with James McKenzie's values will have opportunities to progress into Senior Consultant, Team Leader and Management positions as the business continues to grow.

The business operates a service-led model focused on delivering outstanding client outcomes rather than sales-driven targets. Success is recognised through client satisfaction, quality of advice, compliance standards, contribution to the wider team and overall business performance.

Benefits

• Annual discretionary performance bonus.
• No sales targets or commission pressure.
• Qualified client appointments provided through established corporate partnerships and employee benefit schemes.
• Hybrid working environment.
• Opportunity to work alongside experienced Will Writing, Estate Planning and Legal professionals.
• Ongoing professional development and funded qualifications.
• Collaborative and supportive culture built around the James McKenzie values.
• Genuine career progression opportunities as the business continues to grow.
• The opportunity to make a meaningful difference to clients during some of the most important financial decisions of their lives.

The above is not an exhaustive list of duties, and you will be expected to perform different tasks as necessitated by your changing role within the company and the overall business objectives of the organisation.