Mortgage Adviser

EXPERIENCED - MORTGAGE ADVISER PROFILE

Type 1: Established self-employed adviser with an existing client bank

Engagement: Self-employed

Location: UK-wide, primarily Bristol, Bath, Swindon, Reading, London Locations

The opportunity

Client-focused mortgage adviser who wants to retain and grow their mortgage relationships while operating within a supportive, collaborative business. The adviser must bring an existing client bank and a proven track record of generating at least £150,000+ in annual gross mortgage and protection ‘Banked’ income.

Core proposition: The adviser owns the day-to-day mortgage relationship; all identified investment, pension and wider wealth-planning opportunities are referred to City Wealth Management.

‘Essential’ candidate profile

Experienced mortgage and protection adviser with current Competent Adviser Status (CAS).

Existing, active and transferable client bank capable of supporting sustainable future production.

Current annual gross mortgage and protection income of at least £150,000+, supported by evidence.

Client-focused and relationship-led, with a strong record of retaining and supporting clients over the long term.

Collaborative and referral-minded, with the confidence to identify wider financial-planning needs and introduce every suitable wealth opportunity to City Wealth Management.

Strong conduct, compliance and file-quality history, with no unresolved regulatory or disciplinary concerns.

Role expectations

Manage and develop their own mortgage and protection client relationships.

Maintain consistent production, service standards and compliant advice documentation.

Proactively identify investment, pension and wider financial-planning needs during client conversations.

Refer all wealth opportunities to City Wealth Management and support a seamless, trusted client handover.

Work positively with the wider team and contribute to a long-term, mutually beneficial business relationship.

Support provided

Administration and mortgage case-progression support.

Compliance guidance, business systems and operational infrastructure.

Marketing and business-development support to help deepen and grow client relationships. Funded by company within given parameters.

Access to City Wealth Management's financial-planning expertise for referred wealth opportunities.

Commercial structure

Period	Adviser share	SJP deduction	CWM share / condition
Year one	70%	15%*	15%
Year two	85%	15%*	10% – where annual banked business of £150,000+ is achieved
Year three onwards	80%	15%*	5* – where annual banked business of £150,000+ is achieved

*We are trying to negotiate this.

Additional benefits: pension advice provided without an advice fee for eligible team members, plus reduced ongoing management charges where applicable. All benefits remain subject to individual eligibility, suitability, provider terms and the final adviser agreement.

Access to social and networking events funded by City Wealth Management.

Business ‘sell’ share agreement. This is subject to conversation and adviser achievements within the business.