Property Underwriter

Job Title: Property Underwriter – Equity Release

Contract Type: Permanent

Location: Plymouth

Salary: from £26,560 per annum

Working style: Hybrid 50% home/office based

Closing date: 17th February 2026

Royal London Group has an exciting opportunity for a Property Underwriter to join our Equity Release Lending team. Royal London Equity Release provides high quality Lifetime Mortgage products to customers helping homeowners to achieve their financial goals in later life.

• Assess equity release applications against predefined funder criteria, ensuring all property‑related lending decisions align with company policies, regulatory requirements and risk appetite.
• Balance criteria assessments and risk management with good customer outcomes to support sound, sustainable lending practices.
• Collaborate closely with internal teams, including the Business Development Team and Service Delivery, to gather key information and build a comprehensive understanding of each applicant’s financial position.
• Ensure decisions are robust, well‑evidenced and aligned with responsible lending principles.

• Positive & pro‑active attitude to work, resilient & dedicated.
• Minimum grade C GCSE level Maths & English (or equivalent)
• Complete all administrative duties in a timely manner, with accuracy.
• Good Telephone Manner:
  Building a rapport with Customers, Advisors & our Partners.
• Excellent communication skills
• Collaborative mindset & team player
• Experience working in a regulated environment (Banking, Finance, or Insurance)
• Experience in mortgage related underwriting.
• Keen eye for detail and focused on accuracy.

We’re the UK’s largest mutual life, pensions and investment company, offering protection, long‑term savings and asset management products and services.

Our acquisition of Responsible Life (now trading as "Royal London Equity Release Advisers") Responsible Lending (which now trades as "Royal London Equity Release") in January 2024 gave us a great opportunity to broaden the solutions available to our customers to support them in retirement and build financial resilience.

Royal London Equity Release provides high quality Lifetime Mortgage products to customers helping homeowners to achieve their financial goals in later life. Customers can choose to make payments (e.g. to cover the interest) if they can afford to or let it roll up until they die or go into long term care. Whatever happens, we guarantee that the loan will never be worth more than the home.

Our People Promise to our colleagues is that we will all work somewhere inclusive, responsible, enjoyable and fulfilling. This is underpinned by our Spirit of Royal London values;
Empowered, Trustworthy, Collaborate, Achieve.

We've always been proud to reward employees by offering great workplace benefits such as 28 days annual leave in addition to bank holidays, an up to 14% employer matching pension scheme and private medical insurance. You can see all our benefits here - Our Benefits.

We’re an Inclusive employer. We celebrate and value different backgrounds and cultures across Royal London. Our diverse people and perspectives give us a range of skills which are recognised and respected – whatever their background.