Mortgage & Protection Adviser

We’re seeking a talented and motivated Mortgage and Protection Adviser to join our team. As a key member of our department, you will play a pivotal role in assisting clients through their mortgage and protection journey by providing expert advice tailored to their needs and financial circumstances.

About Octopus Money

🐙 We’re on a mission to become the most recommended financial services business in the UK 🐙

Money shapes every part of life. Yet most people never get the support they need:

• Half of Brits reach retirement age without enough to live the life they want
• Financial stress is a leading cause of poor mental health
• Only 8% of people have access to 1-to-1 financial advice

There’s no shortage of information. What people actually need is clarity, guidance and a plan that makes sense for them.

That’s where we come in.

Octopus Money brings together financial planning, investment expertise and smart technology so people can understand their options and take action with confidence. We help people build a clear plan for their savings, investments and pensions and make investing simple with managed portfolios built by experts. We also support employers who want their teams to feel more secure and in control. 

Some people need regulated advice. Others need coaching. Many need both at different points in life. Our service adapts to what each person needs. 

We believe everyone deserves money support that works for real life.

The role

As Mortgage & Protection Adviser, your day will involve:

• Successfully convert incoming residential and buy to let leads, complete repeat business and generate initial fee revenue from mortgage business
• Advise incoming leads on protection needs and help them secure coverage that is right for them
• Develop a collaborative productive relationship with other areas of the business to help grow the Mortgage and Protection department
• Consistently provide a high level of service to all customers to achieve customer goals and to ensure a seamless advice and application process is delivered, which results in positive customer outcomes
• Maintain both knowledge and competency of the full range of mortgage and protection products offered to new and existing customers ensuring that the best customer outcomes are achieved.
• Be proactive with continual professional development of the mortgage and protection market along with the wider financial industry 
• Ensure all policies and procedures are adhered to and all communication with customers meets regulatory requirements
• Be proactive with improving existing procedures and introducing new procedures to ensure the Mortgage and Protection department is running as efficiently as possible

You’ll work closely with the Financial Planning and Wealth Planning teams, helping us drive great client outcomes.

Work hours
Please note, based on customer demand for out of hours mortgage and protection applications you could be required to offer evening sessions once per week. The working pattern would be agreed in discussion with you, these evening working sessions would finish by 7pm.

In this role, success will be measured by: 

• Driving mortgage and protection revenue growth by converting incoming leads, generating repeat business, and maximising initial fee income through efficient case management and strong client relationships.
• Delivering outstanding, compliant customer outcomes by providing a seamless advice and application journey, maintaining high service standards, and ensuring all regulatory and policy requirements are consistently met.
• Strengthening collaboration, capability, and operational efficiency by building productive cross-team relationships, maintaining up-to-date product and market knowledge, and proactively improving processes within the Mortgage and Protection department.

We value people who: 

Make every conversation matter
You care about how you make people feel. You communicate clearly, listen well and build trust with customers and colleagues. You want every interaction to move things forward.

Move with urgency and focus
You like getting stuck in. You care about making progress, not perfection. You stay focused on what matters, learn quickly and find smart ways to keep things moving.

Own it
You take responsibility for your work and the outcomes it creates. You’re comfortable solving problems, making decisions and tackling challenges head on. You hold yourself to a high standard and want to make a real impact.

What we look for

• Minimum CeMAP qualified
• Minimum of 2 years experience working as a mortgage adviser on a whole of market basis on both residential and buy to let 
• In-depth knowledge of the mortgage and protection industry, regulations, and mortgage products available in the market
• Remain compliant – measurements include; Business Quality Assurance (BQA) grades, CPD, complaints upheld, Risk Events, etc
• Work in a consistent and compliant manner to FCA standards
• Excellent interpersonal and presentation skills
• Outstanding communication and listening skills, with the ability to explain complex information in a clear and simple format
• Good technical knowledge of FCA regulations

The interview process

Our interview process typically includes: 

• An intro call with our talent team
• A competency and values-based interview with a colleague in the mortgage department
• An executive interview with the department director and/or CEO

We’ll keep it simple and respectful of your time, and you’ll meet the people you’ll actually work with. Our average process takes around four weeks but we’ll always work around your availability.

What’s in it for you

Base salary: £40,000 to £45,000 DOE + benefits