Specialist Mortgage Adviser
CeMAP Qualified
Location: St Mellons, Cardiff
Salary: £35,000
On-Target Earnings: Realistic OTE of £60,000+ with uncapped commission
Working Hours: Monday to Thursday, 09:00–17:00 Hrs, and Friday, 09:00–16:30 Hrs
No weekend or bank holiday working
About GoBear Loans
GoBear Loans is an FCA-authorised specialist mortgage brokerage based in St Mellons, Cardiff.
We predominantly operate on a B2B basis, with most of our business introduced by mortgage brokers across the UK. Brokers refer customers to us when specialist lending expertise is required, when they do not have access to the most appropriate lender or product, or where our lending solutions may provide greater flexibility for the customer’s circumstances.
Our expertise includes specialist residential mortgages, buy-to-let, first and second charge mortgages, bridging finance, lifetime mortgages and commercial finance. We also have access to the wider mortgage market, including high street lenders, which we use where appropriate for direct customers and customer referrals.
Due to continued growth, we are looking for a CeMAP-qualified mortgage professional to join our expanding team.
The Opportunity
This is a telephone-based advisory role where you will take full ownership of each customer’s mortgage journey, from the initial application through to completion. You will provide regulated mortgage advice, assess and package cases for submission, liaise with lenders and professional partners, and ensure every application progresses as smoothly and efficiently as possible.
All leads are provided, with no requirement to generate your own business.
Before an enquiry is passed to the GoBear Loans adviser, the introducing mortgage broker will have received an indicative quotation based on the customer’s stated needs and circumstances. The broker will have discussed this with their longstanding customer and, once the customer confirms they are happy to proceed, the GoBear Loans adviser will make contact to complete the full advice and application process and manage the case through to completion.
Your core workload will include specialist first charge, second charge, residential and buy-to-let mortgages, alongside some high street residential cases.
You will receive structured training in specialist mortgage advice and packaging and will be supported under our Training and Competence Scheme until you achieve Competent Adviser Status and full role competency sign-off.
Key Responsibilities
- Provide suitable mortgage advice based on the customer’s individual circumstances, needs and objectives.
- Manage a busy pipeline of mortgage applications from initial application through to completion.
- Complete detailed fact-finds and assess affordability, credit history, income and supporting documentation.
- Research suitable lenders and products across the specialist and wider mortgage market.
- Assess cases against lender criteria before making a recommendation or submitting an application.
- Package applications in line with lender requirements, ensuring documentation is complete, accurate and ready for submission.
- Prepare clear and compliant mortgage recommendations and supporting documentation.
- Liaise directly with customers, introducing brokers, lenders and Business Development Managers throughout the application process.
- Work closely with solicitors, surveyors, accountants and other professional parties to progress applications efficiently.
- Identify and resolve issues that may prevent or delay an application.
- Provide customers and introducers with regular, accurate progress updates.
- Confidently handle questions and objections while providing clear and professional guidance.
- Maintain accurate and up-to-date customer records, CRM notes and compliance documentation.
- Keep up to date with lender criteria, product changes and relevant FCA requirements.
- Deliver consistently good customer outcomes while meeting regulatory and internal quality standards.
About You
You will be a confident and customer-focused mortgage professional who can assess complex circumstances, provide suitable advice and take full ownership of applications from initial fact-find through to completion.
The role requires strong technical knowledge, sound judgement and excellent attention to detail, together with the ability to interpret lender criteria, review supporting documentation and identify suitable solutions across the specialist and wider mortgage market.
You will also need to be highly organised, proactive and comfortable managing a busy pipeline while maintaining clear communication with customers, lenders and professional partners. A strong commitment to compliance, accurate record-keeping and consistently good customer outcomes is essential.
Essential Requirements
- CeMAP qualified.
- A minimum of two years’ mortgage advice experience is essential. Experience in mortgage packaging, underwriting or case management would be advantageous, although full training will be provided.
- An excellent understanding of mortgage application processes and lender criteria.
- Strong attention to detail and the ability to review financial and supporting documentation accurately.
- Excellent telephone, computer literacy, written communication and relationship-management skills.
- The ability to organise and prioritise a busy pipeline of live applications.
- Confidence discussing mortgage options and handling customer questions or objections.
- A proactive, positive and solution-focused approach.
- A clear commitment to FCA compliance and delivering good customer outcomes.
Desirable Experience
- Specialist first charge mortgage advice or packaging.
- Second charge mortgage advice or packaging.
Full specialist training, supervision and support will be provided through our Training and Competence Scheme.
What We Offer
- Competitive basic salary of £35,000.
- Uncapped commission with realistic on-target earnings of £60,000+.
- All leads provided, with no requirement to source your own customers.
- Additional company bonus scheme.
- 34 days’ annual leave, including bank holidays & your birthday off.
- Company pension scheme.
- Structured specialist lending training.
- Support towards Competent Adviser Status and full role competency sign-off.
- Ongoing professional development and career progression.
- Hybrid working following successful completion of probation and competency sign-off.
- Free onsite parking.
- Regular company social events.
Working Arrangements
The role will initially be office-based at our St Mellons office throughout your training and probation period, until you have achieved the required competency sign-off under our Training and Competence Scheme.
Once you have successfully completed probation and achieved competency sign-off, you will have the opportunity to work on a hybrid basis, combining home and office working. Those who prefer to remain office-based are welcome to do so.
Why Join GoBear Loans?
This is an opportunity to develop your career within a growing specialist brokerage where you will be trusted to take genuine ownership of your cases.
You will work across a varied range of straightforward and complex mortgage applications, develop strong relationships with specialist lenders and gain valuable experience in areas of the market that many traditional mortgage advisers do not regularly encounter.
We provide the enquiries, specialist training and ongoing support you need to succeed. In return, we are looking for someone who takes pride in their work, delivers excellent customer outcomes and wants to build a long-term career with GoBear Loans.
If you are a CeMAP-qualified mortgage professional looking for a varied and rewarding role within specialist lending, we would be pleased to hear from you.
Job Type: Full-time
Pay: £35,000.00-£60,000.00 per year
Benefits:
- Additional leave
- Casual dress
- Company events
- Company pension
- Free parking
- On-site parking
- Work from home
Application question(s):
- Do you have any unspent criminal convictions, or are you currently the subject of any pending criminal proceedings?
- This role is subject to a pre-employment credit check. Are you aware of any adverse credit history that may be identified during this process?
Experience:
- Underwriting: 2 years (required)
Licence/Certification:
- CeMAP Qualification (required)
- UK Driving License & the ability to commute to work? (required)
Work authorisation:
- United Kingdom (required)
Work Location: Hybrid remote in Cardiff CF3 0LT
