Mortgage & Bridging Finance Advisor

Are you an experienced Mortgage Advisor feeling restricted by your current setup? Perhaps you're tied to a bank where flexibility is non-existent, the computer says "no" too often, and your earning potential is capped. Maybe you're part of a network paying high fees and commissions, weighed down by monthly overheads for infrastructure with regular compliance and regional sales manager meetings, that take valuable time away from revenue-generating activities. Or you are currently self-employed with a directly authorised firm but you’re not happy with the current commercial arrangements and focus on sales targets.

At Orchard Financial Solutions Ltd, we offer a better way. Our simple monthly fee and set commission structure covers everything you need including:

• CRM Licence
• Mortgage Sourcing Licence – Whole Market Access
• Microsoft Licence
• CPD Licence
• Professional Indemnity Insurance
• FCA Registration
• Compliance Support

We firmly believe that you should keep more of what you earn and be able to focus on growing your business. One of the greatest benefits of being self-employed is the freedom to manage your own diary, workload, targets, and commitments, giving you the flexibility to work when and how it suits you. Whether that means maximising your earning potential, achieving a better work-life balance, or focusing on the clients and areas you truly enjoy.

If you're ready to take control of your future, increase your earnings, and enjoy true independence, we’d love to hear from you.

Key Skills

• Business Development & Lead Generation – You’ll need to proactively source your own clients through networking, referrals, and marketing.
• Sales & Relationship Management – You must build strong client relationships, communicate your value, and confidently advise on mortgage, bridging and protection solutions.
• Product & Market Knowledge – Whole market access means more choices for clients, but it also requires a deep understanding of lenders, insurers, and financial products beyond just mortgages.
• Compliance & Regulatory Understanding – To ensure compliance with ‘Consumer Duty’ and best practice for recording record keeping and advice.
• Time Management & Organisation – Without structured workdays, you must manage your own schedule, balance client meetings, admin, and business growth.
• Technology & Software Proficiency – You’ll be responsible for using CRM systems, product sourcing tools, mortgage software, and compliance portals efficiently.
• Protection – Expanding beyond mortgages means understanding protection, to offer a comprehensive service.
• Bridging Finance Expertise – You’ll also have the opportunity to broker highly profitable deals in bridging finance, both regulated and non-regulated, giving you access to a lucrative market and expanding your revenue streams beyond traditional mortgage advice.

Personal Attributes

• Self-Motivation & Resilience – No guaranteed salary means staying proactive, pushing through setbacks, and maintaining consistent client activity.
• Confidence & Independence – Without a manager overseeing your work, you must be comfortable making decisions and standing by your recommendations.
• Entrepreneurial Mindset – You are running your own business now. This means thinking strategically, taking calculated risks, and managing cash flow effectively.
• Trustworthiness & Integrity – As an independent adviser, clients trust YOU directly, not a big-name bank, so credibility and ethical advice are key.
• Networking & Relationship Building – Growing your business means cultivating partnerships with estate agents, accountants, solicitors, insolvency practitioners and referral sources.
• Adaptability & Willingness to Learn – The transition to independence involves learning new processes, new technology, and new product areas. Being open to change is essential.

Ready to Make the Move?

If you have these skills and attributes, or the determination to develop them. Transitioning to self‑employment could be the best decision you make. At Orchard Financial Solutions Ltd, we provide the support, technology, and market access to help advisers thrive without the constraints of a bank or high‑fee networks. Take control of your career – let’s talk!

Qualifications

• Minimum of 12 months industry experience as a mortgage advisor in the UK.
• Must be UK based.

A Little About Us

Orchard Mortgage Solutions is a trading style of Orchard Financial Solutions Ltd. A directly Authorised and Regulated Firm, established in 2014 and located in Chorley Lancashire. We advise clients across the UK on mortgages, secured loan, bridging finance, development finance and personal protection.