Swarm Recruitment
Self-employed Mortgage Adviser
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Self-employed Mortgage Adviser
About the Company
Our client is an established, independent mortgage brokerage with over two decades of experience supporting clients across the UK. They specialise in providing tailored mortgage and protection advice, prioritising customer service and long-term client relationships. Known for a personable, client-focused approach, advisers work closely with customers throughout the mortgage journey—focusing on clear communication, trust, and consistency.
Operating as a smaller, independent firm, the company offers a hands-on environment, exposing employees to a diverse range of cases, including residential, buy-to-let, and new-build mortgages. This provides ample opportunities for skill development. Unlike high-pressure sales-driven firms, success is measured by quality advice and sustainable client relationships, influencing both the team’s culture and performance metrics. Employees here benefit from professionalism, client-centric care, high industry knowledge, and a supportive team dynamic.
Self-Employed Mortgage Adviser
About the Role
OTE: £120–£150k+
In this self-employed role, you’ll provide expert mortgage and protection advice to clients—bridging gaps in financing, protection coverage, and long-term planning.
Responsibilities
- Provide tailored advice on mortgages, protection products, and financial planning solutions
- Manage cases from enquiry to completion, handling all stages of the mortgage process
- Work with company-provided and self-generated leads, including residential, buy-to-let and new-build cases
- Collaborate with lenders, insurers, and clients to ensure smooth case progression (supported by an onboarded admin team)
- Ensure all advice is FCA-compliant and up to date
- Monitor and adapt to emerging mortgage products, regulations, and market trends
- Build and maintain strong client and introducer relationships for long-term success
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Qualifications & Skills
Essential Qualifications
- Minimum 18 months’ experience as a mortgage adviser
- Competent Adviser Status (CAS)
- Fully CeMAP-Accredited or equivalent qualification
Key Skills & Attributes
- Exceptional communication and organisational abilities
- Proficient in time management, multi-tasking, and client-centric service
- Positive attitude, self-motivation, and a commercially aware mindset
- Strong negotiation and relationship-building skills to secure repeat business
Pay & Compensation Package
- All leads provided by the company—consistent, high-volume pipeline (with more enquiries than the team can currently manage)
- Access to premium lead sources, including a strong pipeline from new build developer partnerships
- Competitive commission structure:
- 60/40 split on company-provided mortgage leads
- 50/50 split on protection business
- 30+ leads generated over weekends (shared across team; typically 15 available per adviser on Mondays)
- Uncapped earning potential—excellent opportunity for high performers to maximise revenue
- Hybrid working flexibility with autonomy in scheduling
- Full end-to-end administrative support, allowing you to focus solely on client conversions and revenue growth
- Supportive team culture emphasising balance between client retention, future growth, and work-life integration
- Client Retention Model: Build and manage your own client bank for remortgages and repeat referrals, remaining with the firm
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Working Arrangements
Work Setup
- Flexible hybrid model—typically 1 day per week in the office, with options for less frequent visits or fully remote work (depending on location)
- Aligned with new build developer deadlines (standard hours: 9:00am–5:30pm), with flexibility permitted when required
Rotating Responsibilities
- Weekend rota (1 weekend in 4)—involving high-impact lead follow-up and generation. Allowed time off in lieu during the week
Protection Policy Notice
By applying for this position, consent is given for Swarm Recruitment to store your application data for ease of reference. Your information will be used solely for this role until you request its removal. A copy of our Data Protection Policy will be shared if requested.
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