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Mortgage adviser

Alternative titles for this job include Mortgage broker

Mortgage advisers help people to choose a finance deal which is right for them when buying a property.

Average salary (a year)

£27,000 Starter

to

£70,000 Experienced

Typical hours (a week)

36 to 42 a week

You could work

evenings / weekends / bank holidays as customers demand

How to become

Explore the different ways to get into this role.

How to become

You can get into this job through:

  • a college course
  • an apprenticeship
  • working towards this role
  • training with a professional body

College

You could do a college course which will give you some of the skills and knowledge you need to get into a trainee mortgage adviser role.

Courses include:

  • business
  • business and administration
  • T Level in Finance

Once working, your employer may put you through mortgage advice training.

Entry requirements

Entry requirements for these courses vary.

  • 4 or 5 GCSEs at grades 9 to 4 (A* to C), or equivalent, including English and maths for a T Level

More Information

Apprenticeship

You could apply to do a Mortgage Adviser Level 3 Advanced Apprenticeship, or Financial Adviser Level 4 Higher Apprenticeship.

These take between 1 and 2 years to complete. They combine training on the job and study with a learning provider.

Entry requirements

You'll usually need:

  • 5 GCSEs at grades 9 to 4 (A* to C), or equivalent, including English and maths, for an advanced apprenticeship
  • 4 or 5 GCSEs at grades 9 to 4 (A* to C) and A levels, or equivalent, for a higher or degree apprenticeship

More Information

Work

You could join a bank or building society as a customer service adviser, or a mortgage administrator in a firm of brokers.

You could then move into mortgage advice, as you gain more experience and complete relevant qualifications while working.

Other Routes

You could apply to take a qualification in mortgage advice that is recognised by the Financial Conduct Authority (FCA). There are several qualifications available, such as the:

CeMAP is awarded by the London Institute of Banking and Finance (LIBF). LIBF have a list of approved training providers, offering the CeMAP qualification.

Once you've completed your training, you will need to be employed by a company that offers mortgage advice services. You'll work under supervision and be assessed in order to achieve competent adviser status. This is needed to register with the FCA as an 'approved person'.

More Information

Registration

Career tips

The salary on some job adverts may include a figure for on-target earnings (OTE). This relies on meeting individual or company sales targets. In cases like this, you should check what proportion of the salary is made up of OTE.

Further information

You can find out more about careers in the financial industry through the London Institute of Banking and Finance.

What it takes

Find out what skills you’ll use in this role.

What it takes

Skills and knowledge

You'll need:

  • customer service skills
  • maths knowledge
  • to be thorough and pay attention to detail
  • excellent verbal communication skills
  • the ability to sell products and services
  • the ability to think clearly using logic and reasoning
  • administration skills
  • the ability to use your initiative
  • to be able to use a computer and the main software packages confidently

Restrictions and Requirements

You'll need to:

What you’ll do

Discover the day to day tasks you’ll do in this role.

What you'll do

Day-to-day tasks

As a mortgage adviser, you would:

  • talk to clients about type of property they want
  • gather information from clients about their finances
  • research suitable mortgage products and explain how they work
  • guide clients through the mortgage application and buying process
  • advise on related insurance products, if appropriate
  • work closely with estate agents, valuers and mortgage lenders
  • meet company sales targets
  • keep up to date with mortgage products, market trends and regulations

Working environment

You could work in a contact centre, in an office, at a client's home or at a client's business.

Career path and progression

Look at progression in this role and similar opportunities.

Career path and progression

With experience, you could manage a team of mortgage advisers, or you could choose to become a self-employed independent adviser.

You could also take further training to become a financial adviser, offering guidance on insurance, pensions and investments.

You may wish to use your skills to work in the wider property sector, for example as an estate agent or licensed conveyancer.

Current opportunities

Find apprenticeships, courses and jobs available near you.

Current opportunities

Apprenticeships In England

Apprentice Financial Adviser (IFA)

  • Wage: £22,000 a year Annually
  • Location: SHELLEY, HUDDERSFIELD
Find apprenticeships near you

Courses In England

ESOL Adults Vocational - Business Administration

  • Provider: SOUTH & CITY COLLEGE BIRMINGHAM
  • Start date: 26 September 2025
  • Location: Birmingham
Find courses near you

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Speak to an adviser

You can call 0800 100 900 or use webchat to speak to an adviser.

We're open:

  • 8am to 8pm Monday to Friday
  • 10am to 5pm Saturdays and bank holidays

We're closed on Sundays, Christmas Day and New Year's Day.

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