Mortgage & Protection Adviser

  • Job Reference: 1007
  • Date Posted: 28 December 2021
  • Recruiter: Independent Resourcing Consultancy
  • Location: Lytham, Lancashire
  • Salary: £25,000
  • Sector: Financial Advisers, Other Financial Services Jobs
  • Job Type: Permanent
  • Contact: Jon Minns
  • Email:

Job Description

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.

Working hours

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.