IRC is delighted to be recruiting an experienced Mortgage & Protection Adviser on behalf of our client, a well respected provider of Independent Financial Advice and Mortgages close to Lytham, Lancashire.
As a mortgage adviser, you'll need to:
- find out about your client's financial situation, including what their monthly expenditure is
- explain the different types of mortgage and offer products for your client to choose from
- assess which type of mortgage is most suitable for each client
- make sure your customers can afford what they're borrowing, not only now but in the future, in the event that interest rates go up or their circumstances change
- explain about repayments and mortgage protection
- advise on and sell related financial products, such as buildings or life insurance
- offer some general advice on the home-buying process
- deal with mortgage lenders, estate agents, and valuers
- keep up to date with new mortgage products and changes in mortgage regulation
- respect your client's right to confidentiality
- follow strict industry rules and guidelines and ensure you give impartial and appropriate financial advice
- understand the FCA regulatory requirements and ensure you meet these
- fully cooperate with any enquiry or investigation from the financial ombudsman should things go wrong, and a client uses their right to protection.
38 hours flexible work pattern a week. But bear in mind it's common for the job to involve some evening and weekend work, as you have to fit in around clients' schedules.
What to expect
- You may be office based or work from home.
- Frequent local travel may be required for visiting clients, especially for initial consultations, though much of your subsequent work can be carried out by email, phone or text.
To become a mortgage / protection adviser you must successfully complete the Certificate in Mortgage Advice and Practice (CeMAP) course. This Level 3 course is approved by the FCA and is sought by employers as the industry standard.