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Underwriter
About HomeNow and Our Vision
HomeNow believes access to the UK residential property market excludes those who qualify and can afford a mortgage, but lack a suitably sized deposit and no family financial support.
A range of consumer products exist to help aspiring homeowners, yet most require a minimum 5% deposit. To address this gap, HomeNow has developed a unique scheme where:
- The company purchases the desired home
- The resident rents it for five years
- At that point, the resident has the option to buy the property
- Equity sharing: HomeNow retains up to one-third of any property price appreciation during this period, reflected as a rental refund
Financing the model is achieved through HomeNow’s social impact fund, generating returns from rental income. Investors also benefit from a share—up to two-thirds—of house price appreciation over the investment term.
Job Description: Underwriting and Application Manager
Role Title: Underwriting and Application Manager
Purpose: Underwrite applications for residents, managing the process from application to property completion while maintaining alignment with company policy.
Key Responsibilities
- Adopt a prudent approach to underwriting mortgage and home ownership applications within prescribed lending and purchase parameters
- Analyse critical financial and property documents (e.g., credit searches, bank statements, financial accounts, property valuations) to make informed resident approvals and property purchase decisions
- Maintain meticulous accuracy and detail across all data entry and documentary correspondence
- Build and maintain strong relationships with external partners (brokers, customers, surveyors, solicitors) and internally across the business
- Oversee a portfolio of over 100 property purchases annually, ensuring:
- Effective application processing to completion
- Strict adherence to service standards and company purchase policy
- Handle all internal and external enquiries (phone/email) with professionalism and within set standards
- Uphold full compliance: Deep understanding of company policies, procedures, and compliance guidelines to mitigate risks
- Embed principles of treating customers fairly in all decisions
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Role Requirements
Qualifications & Experience
- Fully CeMAP qualified (or commitment to obtaining this certification)
- 2+ years’ experience as a mortgage underwriter within a regulated lender
- Proven expertise in underwriting policies (ability to refine and improve existing processes)
Technical & Sector Skills
- Competency using CRM systems (e.g., Monday CRM, HubSpot, Pipedrive)
- Practical understanding of the UK mortgage sector, legal conveyancing process (desirable)
- Strong Excel skills for financial analysis, alongside Word, PowerPoint, and Microsoft Office suite
- Ability to read and interpret financial statements, valuations, and credit searches
- Mortgage conduct of business rules (TCF): Familiarity with consumer protection frameworks
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Soft Skills & Mindset
- Pragmatic, analytical approach to underwriting decisions—balancing data-driven insights with informed judgment
- Thrive in an independent yet structured environment, targeting performance-driven outcomes
- Comfort working with numbers, data, and business impact; prioritises accuracy and efficiency
- Team-focused and ambitious, with a collaborative mindset
Why Join Us?
Competitive Compensation & Growth
- Salary: £40,000–£50,000 (performance-based bonus included)
- Equity options: Opportunity to earn ownership stakes in HomeNow
- Hybrid working: Balance of on-site and remote flexibility
Culture & Values
- Inclusive team culture: Safe space to contribute ideas and drive impact
- Dynamic, Jordan has mission in a fast-growing organisation
- Caring environment where diverse perspectives are valued and respected
- Equal opportunity employer: No discrimination based on race, religion, gender, disability, or any other protected characteristic
"Our success is built on the passion and ideas of our people. Join us to make a tangible difference in the housing journey for many."
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