🌟 Self‑Employed Mortgage & Protection Adviser
📍 Swansea, South Wales
Cosgrove Brown Financial Planning Ltd | Chartered Financial Planners
Cosgrove Brown Financial Planning Ltd are expanding and looking for an experienced Self‑Employed Mortgage & Protection Adviser to join our established Chartered financial planning firm in Swansea.
This is an exceptional opportunity for an ambitious adviser seeking the freedom of self‑employment with the backing of a highly respected firm, full administrative support, and access to an existing client bank requiring ongoing reviews and new mortgage business.
As part of the Quilter Network, you’ll also benefit from market‑leading technology, comprehensive compliance support, and access to a broad, competitive lender panel.
🔎 The Role
Operating under our Chartered status, you will deliver high‑quality, compliant mortgage and protection advice while managing and growing your own client bank in line with FCA expectations.
Key Responsibilities
- Provide expert, fully researched, and well‑documented mortgage advice
- Clearly outline adviser status, services, fees, and our Chartered position
- Conduct full fact‑finds, including detailed affordability assessments
- Demonstrate long‑term mortgage suitability, including stress‑testing
- Advise on protection solutions including life, critical illness & income protection
- Manage the full mortgage journey from initial consultation to completion
- Develop new business through self‑sourced, introducer, and firm‑provided leads
- Build strong relationships with lenders, solicitors, agents, and introducers
- Maintain accurate and compliant records in line with FCA requirements
- Meet agreed revenue, quality, and compliance standards
- Complete ongoing CPD and maintain up‑to‑date technical knowledge
- Work collaboratively with compliance audits, file checks, and reviews
🧭 Working Arrangements
- Self‑employed with full flexibility
- Office-based or hybrid options available
- Full management of your own diary, clients, and workload
👤 Person Specification
Essential Qualifications & Status
- CeMAP (Level 3) or FCA‑approved equivalent
- Current Competent Adviser Status (CAS)
- Eligible to act as a self‑employed adviser / Appointed Representative
- Able to pass credit and criminal records checks
Desirable
- Advanced mortgage or financial planning qualifications
- Working towards or holding Chartered status
Experience
- Strong experience as a regulated mortgage adviser
- Proven track record in self‑employed/AR/commission‑based roles
- Comfortable handling complex cases (self-employed, HNW clients, landlords)
- Demonstrable ability to build and retain a client baset
Skills & Competencies
- Excellent technical mortgage knowledge
- Strong organisational skills and ability to self-manage
- Commercially minded with strong business‑development skills
Personal Attributes
- Professional, ethical, and client‑focused
- Self‑motivated, proactive, and resilient
- High attention to detail with a commitment to compliance
- Trustworthy and aligned with the values of a Chartered firm
- Dedicated to ongoing personal and professional development
📩 Interested?
If you’re an experienced adviser looking to elevate your career within a Chartered environment — with full support, flexibility, and genuine opportunities to grow — we’d love to hear from you.
Apply today or contact us directly for a confidential discussion vikki.jenson@quilter.com
