Mortgage Advisor Self-Employed

London (Remote)

This is an opportunity for an experienced self-employed mortgage adviser who wants to operate in the HNW and UHNW client space.

The role sits within a mortgage brokerage that works with high value clients through established professional introducer relationships, including accountants, tax advisers, law firms and asset management firms.

This is not a typical high volume mortgage advice role. A lot of the cases are more complex, advice led and centred around clients with higher value borrowing requirements. Because of the nature of the clients the business works with, the advice is often about far more than simply putting a case through a sourcing system and finding the cheapest product.

The Business

The company is a smaller-sized mortgage brokerage that works with HNW and UHNW clients. The directors set up the firm after successful careers in senior industry positions and have built strong relationships with professional introducers over many years.

The business deals with personal mortgages, private banking cases and some development finance opportunities. While they can work with high street lenders, much of the value comes from their experience in the private banking world and their ability to support more complex client situations.

A key strength of the business is the quality of its introducer relationships. These include accountants, tax advisers, law firms and asset management firms, which creates access to high value clients and more advice-led mortgage work.

The Role

As a self-employed mortgage adviser, you will work with clients who often have larger and more complex borrowing needs. Typical cases can involve higher value mortgages, more detailed client circumstances and a more consultative advice process.

This is likely to suit someone who enjoys dealing with more complex client situations, wants more autonomy and would like access to higher value work.

The business has administration support in place and can provide access to company introduced opportunities. However, the main attraction of this role is not endless lead volume. It is the quality of the clients, the value of the cases and the ability to build long-term professional introducer relationships.

You will be able to service your own existing clients, develop new introducer relationships and also work with opportunities provided through the business.

Earnings and Fee Structure

The business charges a 1.1% client fee on all deals. When this is combined with the size of the loans they work with, the earning potential can be significant.

The commission structure is:

• 70% in your favour on your own introduced business
• 50% on company provided business

There are advisers within the business earning in excess of £500,000. This is not guaranteed and will depend on the individual, their performance, their client relationships and the level of business written. However, it does show the level of opportunity available because of the type and value of clients the firm works with.

Benefits

• 70% commission on self-generated business
• 50% commission on company provided business
• Access to HNW and UHNW clients
• Established professional introducer relationships
• Relationships with accountants, tax advisers, law firms and asset management firms
• 1.1% client fee charged on all deals
• High value and more complex mortgage cases
• Full administration support
• Support from experienced directors
• Opportunity to develop your own introducer relationships
• Autonomy within a specialist self-employed mortgage advice role

Who This Would Suit

This role is likely to suit an experienced mortgage adviser who wants to move away from a purely volume-based advice role and focus on higher value clients.

It may suit someone who:

• Is already self-employed or wants to move into a self-employed role
• Has experience advising clients with more complex mortgage needs
• Enjoys relationship-led advice rather than transactional mortgage work
• Wants access to HNW and UHNW clients
• Would value professional introducer relationships
• Wants strong earning potential linked to higher value cases
• Likes the idea of more autonomy, while still having support around them

This is a strong opportunity for a mortgage adviser who wants to operate in a more advice-led, higher value part of the market.

Synonyms: mortgage broker, mortgage adviser, mortgage consultant, self-employed mortgage broker, HNW mortgage broker

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