Mortgage Advisor

Job Description:

Mortgage advisers help people find, and apply for mortgages.

Job Category:
Financial Services

What you will do:

In your day-to-day duties you will:

  • advise clients about homebuying
  • find out about your client’s finances
  • explain the different types of mortgage
  • explain about repayments and mortgage protection
  • offer different mortgage options for the client to choose from
  • sell other financial products like buildings or life insurance
  • help the customer complete the mortgage application
    meet sales targets
  • deal with estate agents, valuers and mortgage lenders
  • keep up-to-date with new mortgage products and any changes in the law


You’ll need:

  • maths knowledge
  • to be able to use a computer and the main software packages competently

As well as:

  • customer service skills
  • the ability to accept criticism and work well under pressure (adaptability skills)
  • to be thorough and pay attention to detail
  • ambition and a desire to succeed
  • the ability to use your initiative
  • analytical thinking skills
  • excellent verbal communication skills



Illustration of employee looking at workspace

Entry Requirements:

To become a mortgage advisor, you’ll need to develop a strong understanding of financial concepts, regulations, and customer service skills. While there are no specific subjects required to become a mortgage advisor, certain subjects and skills can be beneficial for pursuing a career in this field. Here’s a list of subjects and skills that can be helpful:

  1. Mathematics: A solid foundation in mathematics is crucial for understanding financial calculations, interest rates, and mortgage terms. Consider taking Mathematics.
  2. English: Strong communication skills, both written and verbal, are essential for explaining complex financial concepts to clients. Consider taking English Language.
  3. Business Studies or Economics: These subjects can provide you with a basic understanding of economic principles and business operations, which are relevant to the financial industry.
  4. ICT (Information and Communication Technology): Proficiency in using computer software and spreadsheets can be helpful for managing financial data and client information.

Post School

You can get into this job through:

  • a college course
  • an apprenticeship
  • working towards this role
  • applying for a trainee scheme

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

Courses include:

  • Level 3 Extended Diploma in Business
  • T Level in Finance

You could train through an advanced apprenticeship as a mortgage adviser.

It typically takes around 12 months to complete through a mix of learning on the job and study.

You could work your way up from a customer service adviser role in a bank or building society, or as a mortgage administrator in a firm of brokers.

You could then move on into giving mortgage advice as you gain experience and suitable qualifications.

Other Routes
You could apply for a mortgage adviser training scheme run by banks and building societies. It will help if you have school qualifications in English and maths, and some relevant work experience in customer service, sales or finance.

You’ll need to take a qualification in mortgage advice that is recognised by the Financial Conduct Authority.

You would develop your skills through a mixture of learning on the job, and studying for an industry-regulated qualification through your employer.

Working Hours and Environment:

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

Career Path & 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 qualifications to become a financial adviser.