Mortgage Advisor

Brightwater Recruitment; Limerick; On-site; EUR 52,000 - 78,000; Full time

Benefits offered by this job

Competitive salary

Bonus structure

Pension contributions

Life insurance

Qualifications support

Career progression

Supportive team

Job summary

Brightwater Recruitment in Limerick is seeking a motivated Mortgage Advisor to join our growing financial services client. You will provide regulated mortgage advice and guide clients through the home-buying process, from initial consultation to loan drawdown.

Ideal candidates are QFA-qualified or working towards QFA, with 3–5 years’ experience in the Irish mortgage market. You’ll work with lenders, maintain compliant files, and deliver excellent client service in a collaborative team.

Qualifications

• Must be QFA qualified, pursuing QFA, or APA qualified.
• 3–5 years’ experience in Irish mortgage advice.
• Strong knowledge of Irish mortgage products and lender criteria.
• Excellent communication and relationship-building skills.

Responsibilities

• Deliver regulated mortgage advice under Central Bank of Ireland rules.
• Complete client fact-finds, assess affordability and borrowing needs.
• Recommend mortgage solutions for first-time buyers, movers, switches and remortgages.
• Oversee applications from enquiry to drawdown.
• Maintain client files and AML/GDPR compliance.
• Pursue business development, sales and service targets.
• Monitor changes in mortgage lending criteria and regulation.
• Maintain ongoing CPD and qualifications.

Skills

Mortgage advice

Irish mortgage market

Communication skills

Client relationships

Organisational skills

Education

QFA

APA qualified

Job description

An established and growing financial services business is seeking a motivated Mortgage Advisor to join its team in Limerick. This opportunity would suit a QFA-qualified professional, or someone actively working towards the qualification, ideally with 3-5 years' experience in the Irish mortgage market.

You will play a key role in helping clients navigate the home-buying and mortgage process, providing clear, compliant advice and a high standard of customer service. From the initial consultation through to loan drawdown, you will manage client cases across the full mortgage lifecycle, working with a range of lenders and key stakeholders.

A dedicated administration team will provide operational support, allowing you to focus on client relationships, mortgage advice and progressing applications efficiently.

Key Responsibilities

• Deliver regulated mortgage advice in accordance with Central Bank of Ireland requirements and the Consumer Protection Code.
• Complete comprehensive client fact-finds and assess affordability and borrowing requirements.
• Recommend suitable mortgage solutions across first-time buyers, home movers, mortgage switchers and re-mortgages.
• Oversee mortgage applications from initial enquiry through to final drawdown.
• Maintain accurate client files and ensure compliance with AML, GDPR and internal procedures.
• Work towards agreed business development, sales and service objectives while prioritising clients’ needs.
• Monitor changes in mortgage lending criteria, regulation and the wider Irish property finance market.
• Maintain relevant qualifications and complete ongoing CPD requirements.

The Ideal Candidate

• QFA qualified, currently pursuing QFA, or APA qualified.
• Ideally 3-5 years’ experience in mortgage advice within the Irish market.
• Strong understanding of Irish mortgage products, lender requirements and regulatory obligations.
• Excellent communication skills with the ability to build trusted client relationships.
• Strong organisational skills and attention to detail, with the ability to manage multiple cases.
• A professional, ethical and customer-focused approach.
• Ability to work independently while contributing positively to a collaborative team.
• Previous experience in a mortgage brokerage or multi-lender environment is an advantage.
• Familiarity with protection products, including mortgage protection, life cover and income protection, is desirable.

What's on Offer?

• Competitive salary and an attractive performance-related bonus structure.
• Employer pension contributions and life insurance.
• Financial support for relevant professional qualifications, courses and ongoing learning.
• A supportive team environment built on respect, collaboration and integrity.
• Opportunities for career development and progression within a growing financial services business.

Interested in taking the next step in your mortgage advisory career?