Mortgage Advisor

At Mortgage Tek, based in Watford, UK, we specialize in delivering tailored, independent mortgage and protection advice to clients across the UK. We pride ourselves on clear communication, deep market knowledge, and providing exceptional customer outcomes in line with FCA standards and Consumer Duty.

We are expanding our team and seeking a motivated, CeMAP-qualified Mortgage Adviser to join our team on a hybrid working basis.

• Job Title: Mortgage Adviser
• Company: Mortgage Tek
• Location: Watford, UK (Hybrid — combination of office-based work in Watford and remote/home working)
• Employment Type: Permanent, Full-time (37.5 hours per week)
• SOC 2020 Occupation Code: 2422
• Remuneration: £34,000 per annum (Guaranteed Basic Salary, paid monthly) + Uncapped Commission Structure
• Reporting To: Director
  

As a Mortgage Adviser at Mortgage Tek, you will deliver high-quality, whole-of-market mortgage and protection advice. Your core responsibilities include:

• Client Fact-Finding & Affordability: Conducting comprehensive client fact-finds and detailed affordability assessments, with particular expertise in handling complex income structures, including contractor and self-employed accounts.
• Sourcing & Recommendations: Researching whole-of-market lender criteria to recommend suitable options across residential mortgages, remortgages, product transfers, and buy-to-let (BTL) properties.
• Suitability Documentation: Preparing clear, fully compliant suitability reports detailing recommendations aligned with client objectives.
• Protection & Insurance Advice: Assessing client protection needs and advising on appropriate life insurance, critical illness cover, income protection, and home/buildings insurance.
• Application Management: Submitting complete mortgage applications and actively liaising with lenders, underwriters, surveyors, and solicitors through to legal completion.
• Regulatory Compliance: Maintaining accurate, up-to-date client files in strict accordance with FCA rules, Data Protection/GDPR regulations, and Consumer Duty principles.

• Qualifications: CeMAP (Certificate in Mortgage Advice and Practice) or an equivalent recognized UK qualification (Essential).
• Technical Knowledge: Strong working knowledge of UK mortgage products, lender underwriting criteria, and affordability frameworks.
• Compliance & Professionalism: High attention to detail, ethical conduct, and commitment to delivering positive customer outcomes.

• Advice Experience: Previous experience advising clients in a regulated mortgage environment is preferred. (Note: Full supervisory support toward achieving Competent Adviser Status / CAS will be provided by the Director).
• Multilingual Skills: Proficiency in Punjabi, Mirpuri, Urdu, and/or Hindi is highly desirable to serve and communicate effectively with our core local client base who prefer advice in these languages.

• Competitive guaranteed basic salary of £34,000 per year plus attractive commission potential.
• Flexible Hybrid Working: Balanced structure combining remote flexibility with team collaboration at our Watford office.
• Supportive environment with direct supervisory mentorship from the Director.
• Opportunities for career progression and ongoing professional development.