Second Charge Mortgage Advisor (Remote Position)

Lending Expert is a leading credit comparison website and financial services provider in the UK, dedicated to helping clients achieve their financial goals through tailored loan solutions. We pride ourselves on delivering exceptional customer service, ethical lending practices, and innovative financial products. We are currently seeking a motivated and experienced Second Charge Mortgage Advisor to join our growing remote team of advisors throughout the UK.

Job Purpose

As a Second Charge Mortgage Advisor you will be responsible for providing expert advice to clients seeking second charge mortgages and loans, guiding them through the application process, and ensuring compliance with UK financial regulations. You will assess client needs, recommend suitable loan products, and work closely with lenders and internal teams to secure the best outcomes for customers.

Key Responsibilities:

• Engage with clients to understand their financial needs and objectives, offering clear and professional advice on secured loan options.
• Conduct thorough assessments of clients’ financial circumstances, including credit history, income, and property valuation.
• Explain the risks, benefits, and terms of secured loans, ensuring clients make informed decisions.
• Prepare and submit loan applications on behalf of clients, liaising with lenders to negotiate competitive terms and rates.
• Ensure all advice and processes comply with Financial Conduct Authority (FCA) regulations and company policies.
• Maintain accurate records of client interactions and applications using CRM systems.
• Build and maintain strong relationships with clients, lenders, and internal stakeholders.
• Stay up-to-date with market trends, interest rates, and changes in UK lending regulations.
• Achieve individual and team sales targets while upholding high standards of customer service.

Skills and Qualifications:

• Essential:
  • Proven experience in financial services, ideally as a loan advisor, mortgage broker, or similar role.
  • Strong understanding of secured loans, second-charge mortgages, and UK lending practices.
  • Excellent communication and interpersonal skills, with the ability to explain complex financial information clearly.
  • CeMAP qualification (or equivalent) or willingness to work towards it.
  • Knowledge of FCA regulations and compliance requirements.
  • Ability to work under pressure, meet deadlines, and achieve sales targets.
• Desirable:
  • Experience with CRM software and loan processing systems.
  • Existing network of contacts within the UK lending industry.
  • Background in customer-facing roles within financial services.

Personal Attributes:

• Confident, approachable, and professional demeanor.
• Strong analytical skills and attention to detail.
• Self-motivated with a results-driven mindset.
• Commitment to ethical practices and client-focused service.

What We Offer:

• Competitive base salary with uncapped commission potential.
• Comprehensive training and ongoing professional development opportunities.
• Supportive team environment with career progression prospects.
• Additional Benefits, e.g., Pension Scheme, Private Healthcare, etc