Company Description
Holiday Cottage Mortgages (HCM) is a specialist digital mortgage broker focused solely on helping existing and new holiday let property owners secure affordable finance for their holiday cottages. Founded by holiday letting experts, HCM combines in-depth industry knowledge with professional, authorised mortgage broking via an intuitive online platform. The company aims to be the first choice for anyone seeking holiday cottage finance, offering a streamlined, customer-focused service. HCM is an appointed representative of Julian Harris Adviser Network Limited and operates under regulation by the Financial Conduct Authority for eligible products. The business blends expertise, technology, and a clear purpose to support clients in realising their holiday letting opportunities.
Role Description
This full-time Mortgage Advisor role is based in Leatherhead and offered on a hybrid basis, combining office presence with some work-from-home flexibility. The Mortgage Advisor will guide clients through the entire mortgage journey, from initial enquiry and fact-finding to recommendation, application, and completion, with a focus on holiday let and related mortgage products. Day-to-day responsibilities include assessing client needs, explaining suitable mortgage options, preparing and submitting applications, liaising with lenders and other stakeholders, and ensuring accurate documentation and compliance with regulatory requirements. The role involves maintaining up-to-date knowledge of mortgage products and market trends, contributing to the improvement of processes on HCM’s digital platform, and supporting marketing activities with insights from client interactions. The Mortgage Advisor will provide clear, empathetic communication to help clients understand their choices and make informed decisions.
Qualifications
- Candidates should possess strong mortgage and finance expertise, including experience with Mortgages and Financial Planning.
- Candidates should possess relevant mortgage marketing skills, such as Mortgage Marketing and an understanding of sector-specific customer needs.
- Candidates should possess appropriate professional qualifications, ideally CeMAP qualified or holding an equivalent FCA-recognised mortgage advice certification.
- Candidates should possess strong analytical and numerical skills, attention to detail, and the ability to interpret lender criteria and regulatory requirements.
- Candidates should possess excellent communication and client service skills, with the ability to explain complex information simply and build long-term relationships.
- Candidates should possess good IT skills and comfort working with digital platforms, CRM systems, and online application processes.
- Previous experience in mortgage advising, particularly in buy-to-let, holiday let, or property investment, is highly beneficial.
- A commitment to ethical conduct, regulatory compliance, and continuous professional development is expected.
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