Company Description
Percom Financial Services are specialists in advising on and arranging mortgages and insurance for a wide range of clients, from first-time buyers to experienced property developers. The firm works with a panel of over 100 lenders, providing tailored mortgage solutions and referring clients for commercial advice where appropriate. In addition to property finance, Percom Financial Services supports clients in protecting themselves, their families, and their assets through suitable insurance products. Operating within the UK regulatory regime, the company is an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. Percom Financial Services Limited is registered in England and Wales and based in South Croydon.
Role Description
This is a full-time, on-site role based in South Croydon for a self-employed Mortgage & Protection Advisor. The role involves providing regulated mortgage and protection advice to clients, including first-time buyers, home movers, remortgage customers, buy-to-let investors, and property developers. Day-to-day responsibilities include conducting detailed fact-finds, assessing client affordability and risk, sourcing suitable mortgage and protection products from a wide lender panel, and presenting clear, compliant recommendations. The advisor will manage their own client pipeline, handle applications from initial enquiry through to completion, and maintain accurate records in line with regulatory requirements. The role also includes building and nurturing referral relationships, engaging in local marketing activities, and delivering a high standard of customer service and ongoing client review.
Qualifications
- Candidates should possess strong knowledge and experience in Mortgages and Finance, including residential and buy-to-let products.
- Candidates should possess expertise in Financial Planning, with the ability to assess affordability, risk, and long-term client objectives.
- Candidates should possess skills in Mortgage Marketing, including client acquisition, networking, and local promotional activities.
- Candidates should be CeMAP qualified (or equivalent FCA-recognised qualification) and able to provide regulated mortgage advice in the UK.
- Candidates should demonstrate excellent communication, client relationship management, and negotiation skills.
- Candidates should have strong attention to detail, compliance awareness, and the ability to work independently in a self-employed capacity.
- Previous experience as a Mortgage & Protection Advisor or in a similar financial services role is highly beneficial.
- Familiarity with FCA regulations, lender criteria, and insurance products (life, critical illness, income protection, and general insurance) is advantageous.
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