Mortgage Adviser
Also advertised as: Mortgage Adviser, Mortgage and Protection Adviser, Mortgage Broker, Mortgage Consultant, Protection Adviser, Trainee Mortgage Adviser
Advises people on mortgages and protection, and takes their application through to completion.
What the job involves
Mortgage advisers help clients borrow safely. You assess affordability, compare lender criteria, recommend suitable products and manage the case through underwriting to completion. It is a regulated role, so the CeMAP qualification is effectively required.
Typical responsibilities
- Assess client circumstances and affordability
- Research lender products and criteria
- Make and document suitable recommendations
- Submit and progress applications
- Meet compliance and record-keeping standards
Common employers
- Banks and building societies
- Estate agency groups
- Mortgage brokerages
- Independent advice firms
Pay, hours and working environment
Typical pay
£24,000 – £30,000 a year
With experience
£40,000 – £70,000 a year
Typical hours
37.5 hours, some evening and Saturday appointments
Working environment
Branch, office or client visits
Remote working
hybrid
Demand for this work
steady
Pay ranges are indicative guidance drawn from advertised UK vacancies and published careers information. They are not an offer, and actual pay varies by employer, location and experience.
Skills and qualifications
Core skills
- Regulated advice
- Client relationship building
- Attention to detail
- Sales
- Compliance
Transferable skills you may already have
- Customer service
- Explaining complex information
- Working to targets
Requirements employers ask for
- Regulated advice
- Client relationship building
- Attention to detail
- Sales
- Compliance
- CeMAP or equivalent Level 3 mortgage advice qualification
- Must work under an FCA-authorised firm
Useful but not essential
- Customer service
- Explaining complex information
- Working to targets
- CeRER for equity release
- Diploma in Regulated Financial Planning
Helpful qualifications
- CeRER for equity release
- Diploma in Regulated Financial Planning
Licences and checks
- Must work under an FCA-authorised firm
Ways into this career
A degree is only one route. Where an apprenticeship, work-experience or qualification route exists, it is listed here alongside the academic option.
Apprenticeships and work-based routes
- Financial Services Professional (Level 6)
- Mortgage Adviser (Level 3)
Degree and college routes
- Related subject: Business
- Related subject: Finance
- Related subject: Economics
Where this career can lead
next
Senior Mortgage Adviser
next
Financial Adviser
next
Branch Manager
The good parts and the hard parts
What people enjoy
- Strong earnings with commission
- Clear qualification route without a degree
- Genuinely helps people
What people find hard
- Income can depend on the housing market
- Heavy compliance requirements
Common questions
- Do you need a degree to become a mortgage adviser?
- No. As well as degree routes, this career can be entered through an apprenticeship or by building experience and qualifications on the job. not_required
- How much does a mortgage adviser earn in the UK?
- Typical advertised pay runs from £24,000 to £30,000 a year, rising towards £70,000 with experience. Figures are indicative guidance rather than an offer.
- What skills transfer into this career?
- Skills that transfer well include Customer service, Explaining complex information, Working to targets.
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Where this information comes from
- National Careers Service
- Institute for Apprenticeships
Last reviewed 14 September 2026.
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