Cator Wells Finance
Experienced Self-Employed Property Finance Broker – Bridging & Development Finance
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About Us
Cator Wells Finance is a specialist property and commercial finance brokerage working with property investors, landlords, and developers across the UK.
We arrange funding for:
- Bridging loans
- Development finance
- Refurbishment finance
- Development exit finance
- Auction purchases
- Commercial property
- Specialist buy-to-let
- Second-charge lending
- Revolving credit facilities
- Mezzanine and structured finance
We are looking to work with an experienced self-employed property finance broker who wants to build their own client book while benefiting from the Cator Wells brand, lender relationships, systems, and deal-placement support.
This is not a trainee or cold-calling position. Applicants should already have relevant experience within bridging, development finance, commercial mortgages, or specialist property lending.
The Opportunity
This role would suit an experienced broker who already has some client or introducer relationships and wants the freedom of being self-employed without having to build the full lender panel, operational structure, and support network around them.
You will be responsible for originating and managing property finance enquiries, understanding the client’s requirements, structuring suitable funding options, and progressing transactions through to completion.
You will have access to support from the Cator Wells team on more complex transactions, lender selection, deal structuring, and case progression.
There may also be opportunities to work on enquiries generated by Cator Wells, subject to experience, availability, and an agreed commission structure.
What You Will Be Doing
Your responsibilities will include:
- Building and maintaining relationships with property investors, developers, landlords, and professional introducers
- Advising clients on suitable property finance options
- Structuring bridging, development, and refurbishment finance transactions
- Presenting cases clearly to lenders
- Gathering and reviewing the required application information
- Managing lender, valuation, and legal queries
- Progressing cases from initial enquiry through to completion
- Maintaining accurate CRM records and client updates
- Developing repeat and referral business
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What We Are Looking For
Applicants should have:
- Previous experience arranging bridging, development finance, refurbishment finance, commercial mortgages, or specialist property finance
- A good understanding of property transactions, security, loan-to-value, loan-to-cost, gross development value, and exit strategies
- Existing client, introducer, or professional relationships
- The ability to originate business independently
- Strong communication and relationship-management skills
- Confidence speaking with lenders, borrowers, solicitors, and valuers
- A professional and commercially minded approach
- The ability to manage several active cases at the same time
- A commitment to treating customers fairly and maintaining strong compliance standards
Experience within specialist buy-to-let or commercial mortgages would also be beneficial.
We may also consider experienced lender BDMs, senior case managers, or mortgage brokers who have strong specialist property finance knowledge and an established introducer network.
What We Offer
- A competitive commission split on self-generated business
- Higher commission levels available based on completed income and the level of support required
- A separate commission structure for Cator Wells generated opportunities
- No monthly desk fee
- Remote and flexible working with the option to work from our Canary Wharf office
- Access to a broad specialist lender panel
- Support with deal structuring and lender placement
- Assistance on complex bridging and development finance cases
- Access to the Cator Wells brand and marketing platform
- CRM and operational support
- Clear protection over your existing client relationships
- Ongoing commission on repeat business from your clients, subject to the terms of the agreement
- Prompt commission payments once income is received
- The opportunity to grow with an established and expanding specialist finance brokerage
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Commission Structure
The role is entirely self-employed and commission-based.
The expected starting structure is:
- Up to 70% of income received on self-generated business
- The ability to increase the split based on completed income, experience, and support requirements
- A separate agreed split for company-generated enquiries
The full structure will be discussed confidentially with suitable applicants.
Who This Role Will Suit
This opportunity may suit someone who is:
- Already working as a specialist property finance broker
- Considering leaving an employed brokerage role
- Looking for a better commission structure
- Frustrated by limited lender access or poor case support
- Interested in building their own long-term client book
- Directly authorised but looking for the support of a wider brokerage
- An experienced lender BDM looking to move into broking
- A senior case manager ready to begin originating their own business
Important
This is not a salaried role and there is no guaranteed income.
Applicants should understand the self-employed nature of the position and should ideally already have a realistic route to generating business through existing clients, introducers, professional contacts, or their own marketing activity.
Applications without relevant property finance experience are unlikely to be considered.
How to Apply
Please apply with your CV and include a short summary covering:
- Your current or most recent role
- Your experience in bridging, development finance, or specialist property lending
- The types of transactions you have completed
- Whether you currently have your own client or introducer relationships
- Your approximate completed business volume during the last 12 months
- Why you are interested in working on a self-employed basis with Cator Wells Finance
All applications and conversations will be treated confidentially.
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