At a Glance
- Tasks: Help clients secure second charge mortgages and manage their cases from start to finish.
- Company: A leading specialist brokerage in Warrington with a strong reputation.
- Benefits: Competitive salary, 6% commission, and supportive team environment.
- Other info: Great career progression opportunities in a collaborative office setting.
- Why this job: Join a dynamic team and make a real difference in clients' financial journeys.
- Qualifications: Must be CeMAP qualified with recent second charge mortgage experience.
The predicted salary is between 33500 - 33500 £ per year.
A Warrington-based specialist brokerage is hiring an experienced Second Charge Mortgage Advisor to join an established team handling a steady flow of warm enquiries. The second charge market has matured significantly since the MCD changes brought it under FCA regulation, and this firm has built a serious proposition around it. They have an embedded panel of second charge lenders, a strong introducer network, and a back-office function that takes the administrative weight off advisors so you can focus on writing business.
This is a role for someone already operating in the second charge space. You'll be CeMAP qualified, you'll know the lender criteria, and you'll be able to demonstrate consistent billing in a previous seat.
What you'll be doing:
- You'll handle inbound enquiries from introducers and direct customers, conducting full fact finds, assessing affordability and suitability, and recommending the right product from the lender panel.
- You'll be responsible for the case from initial enquiry through to completion, working alongside packagers and case managers to keep the pipeline moving.
- The cases you'll see typically involve debt consolidation, home improvements, capital raising for property purchases, and clients who can't or don't want to remortgage their first charge.
- Loan sizes typically range from £25,000 to £250,000, with some larger high net worth cases going through the desk.
- You'll be expected to hit monthly conversion and billing targets, maintain compliant case files, and keep your CPD current.
What's on offer:
- £30,000 to £35,000 basic salary depending on experience
- 6% commission structure with realistic OTE that strong advisors are achieving
- Established lender panel including Pepper, United Trust Bank, Together, Equifinance, Optimum Credit, Selina, and others
- Warm lead flow from introducers and direct marketing
- Compliance and case management support so you can focus on advising
- Office-based role with a collaborative team environment
- Clear progression routes for high performers
What we need from you:
- CeMAP qualified (full qualification, not part-qualified)
- Demonstrable experience writing second charge mortgages within the last twelve months
- Strong working knowledge of the second charge lender market and current criteria
- Confident handling vulnerable customer conversations and complex affordability scenarios
- Compliant, methodical approach to fact finding and suitability documentation
- Self-motivated, target-driven, and able to manage your own pipeline
- A clean compliance record
About the firm:
The firm is a specialist lending brokerage with strong second charge volumes and an established reputation in the market. They've invested in technology, compliance infrastructure, and lender relationships to give advisors the best possible platform to write business. Advisors who join tend to stay.
To apply or have a confidential conversation about the role, contact Bradford & Marsh Consulting.
Second Charge Mortgage Advisor in Winwick employer: Bradford and Marsh Consulting
Join a leading Warrington-based brokerage as a Second Charge Mortgage Advisor, where you'll benefit from a supportive office environment and a steady flow of warm enquiries. With a competitive salary, a generous commission structure, and clear progression routes, this company prioritises employee growth and offers a collaborative culture that empowers you to excel in your role while focusing on what you do best—advising clients.
Contact Details:
Bradford and Marsh Consulting Recruitment Team
StudySmarter Expert Advice🤫
We think this is how you could land Second Charge Mortgage Advisor in Winwick
✨Tip Number 1
Network like a pro! Reach out to your contacts in the mortgage industry and let them know you're on the lookout for a new role. You never know who might have a lead or can put in a good word for you.
✨Tip Number 2
Practice your pitch! When you get that chance to chat with potential employers, be ready to showcase your expertise in second charge mortgages. Highlight your CeMAP qualification and any success stories that demonstrate your ability to close deals.
✨Tip Number 3
Stay updated on market trends! Being knowledgeable about the latest changes in the second charge market will not only impress interviewers but also help you stand out as a candidate who’s genuinely passionate about the field.
✨Tip Number 4
Apply through our website! We’ve got a streamlined application process that makes it easy for you to get your foot in the door. Plus, it shows you’re serious about joining our team!
We think you need these skills to ace Second Charge Mortgage Advisor in Winwick
Some tips for your application 🫡
Tailor Your CV:Make sure your CV is tailored to the Second Charge Mortgage Advisor role. Highlight your CeMAP qualification and any relevant experience in the second charge market. We want to see how your skills match what we're looking for!
Craft a Compelling Cover Letter:Your cover letter is your chance to shine! Use it to explain why you're passionate about the second charge mortgage space and how you can contribute to our team. Keep it concise but impactful, and don’t forget to mention your success in previous roles.
Showcase Your Achievements:When detailing your experience, focus on your achievements. Share specific examples of how you've met or exceeded targets in your previous roles. We love numbers, so if you can quantify your success, even better!
Apply Through Our Website:We encourage you to apply through our website for a smoother application process. It helps us keep track of your application and ensures you don’t miss out on any important updates. Plus, it shows you're keen to join our team!
How to prepare for a job interview at Bradford and Marsh Consulting
✨Know Your Stuff
Make sure you brush up on your knowledge of the second charge mortgage market. Be ready to discuss lender criteria and demonstrate your understanding of the products available. This will show that you're not just qualified, but also genuinely interested in the role.
✨Prepare for Real Scenarios
Think about real-life scenarios you've encountered in previous roles, especially those involving complex affordability assessments or vulnerable customers. Prepare to share these experiences during the interview to showcase your problem-solving skills and empathy.
✨Showcase Your Success
Be ready to talk about your past achievements in terms of conversion rates and billing targets. Use specific numbers to illustrate your success, as this will help the interviewers see your potential value to their team.
✨Ask Insightful Questions
Prepare some thoughtful questions about the firm's approach to compliance and case management support. This not only shows your interest in the role but also helps you gauge if the company culture aligns with your values and work style.
