Job Summary
We are seeking for our client an experienced Mortgage Underwriter with deep knowledge of the UK second charge mortgage market to join our client's credit underwriting team. You will play a key role in assessing, structuring and approving buy to let landlord financing applications, including those for portfolio landlords, non-standard income and adverse credit with a view to maintaining credit quality and ensuring fast, thoughtful decision-making.
You will work closely with our client's credit lead, product team, and capital markets function to refine credit strategy, deliver robust assessments, and support the ongoing development of their platform's underwriting capabilities.
About our Client
Our client is a fast-growing fintech platform operating in the UK property finance sector. They provide innovative capital solutions for landlords and property investors, helping clients access flexible funding to support portfolio growth without relying solely on traditional mortgage products.
As the business continues to scale, they are expanding their underwriting team and are looking for someone to support efficient, responsible growth across second charge lending. This is an opportunity to join a dynamic, entrepreneurial environment at an important stage of the company’s development.
Key Responsibilities
- Assess and underwrite second charge mortgage applications for UK residential investment properties in line with internal credit policy
- Conduct full analysis of borrower profiles, credit history, income, affordability, and property collateral
- Review and validate supporting documents (land registry, ASTs, valuations, statements, etc.)
- Apply our client’s credit policy while exercising judgment in edge-case and complex credit scenarios
- Recommend decisions and terms with clear rationale and documentation in compliance with audit and regulatory standards.
- Collaborate with credit policy, product, and risk teams to iterate on underwriting processes
- Support the build-out of scalable underwriting frameworks and automation tools
- Stay current on UK mortgage regulations, market trends, and landlord finance developments
Ideal Skills and Experience
- 3–7 years of mortgage underwriting experience, preferably with a focus on UK second charge or buy-to-let mortgages.
- Familiarity with landlord/lender dynamics, including buy-to-let and portfolio landlords, interest coverage ratios and second charge consent process
- Strong analytical skills with a high level of accuracy and attention to detail
- Confident decision maker with proven ability to balance risk, commerciality, and speed in a lending context
- Experience working with technology-driven lenders, brokers, or mortgage platforms is a plus
- Working knowledge of credit bureau data, RICS valuations, AVMs, mortgage underwriting models, and scorecards, digital workflow tools and affordability tools
What our Client Offer
- Competitive salary and performance-based bonus
- Health insurance
- Hybrid working arrangement (to be discussed)
- A fast-moving, mission-driven environment with significant autonomy
- The opportunity to shape the future of alternative property finance in the UK at a growing innovative lender
- A collaborative team culture, blending fintech innovation with real estate finance depth
Pay: From £40,000.00 per year
Ability to commute/relocate:
- London EC3V 9BS: reliably commute or plan to relocate before starting work (required)
Experience:
- Mortgage Underwriting: 2 years (required)
Work authorisation:
- United Kingdom (required)
Work Location: In person
