Mortgage & Protection Adviser

Cosgrove Brown Financial Planning Ltd are expanding and seeking an experienced Self-Employed Mortgage & Protection Adviser to join our established Chartered firm in Swansea.

This is an excellent opportunity for an ambitious adviser who wants the freedom of self-employment with the backing of a well-respected firm
, full office support, and an established client bank requiring ongoing mortgage reviews and new business.

As part of the Quilter Network
, you’ll benefit from market-leading technology, robust compliance support, and access to a comprehensive lender panel.

To operate as a self-employed Mortgage Adviser under the umbrella of a Chartered financial planning firm, delivering high-quality, compliant mortgage advice while managing and developing an individual client bank in line with FCA and Chartered standards.

• Provide expert mortgage advice to clients, ensuring all recommendations are suitable, fully researched, and clearly documented
• Clearly explain adviser status, scope of service, fee structure, and the firm’s Chartered standing
• Conduct comprehensive client fact-finds, including detailed income, expenditure, and affordability assessments
• Assess and evidence long-term affordability and suitability, including stress-testing against future interest rate or circumstance changes
• Advise on mortgage protection and associated insurance products, including life, critical illness, and income protection
• Manage the full mortgage lifecycle from initial consultation through to completion and post-completion care
• Generate and develop new business through self-sourced, introducer, and firm-provided leads (where applicable)
• Maintain strong professional relationships with lenders, solicitors, estate agents, and other introducers
• Ensure accurate, timely, and compliant record-keeping in line with FCA and firm governance requirements
• Meet agreed revenue, quality, and compliance standards
• Maintain up-to-date technical knowledge through ongoing CPD and market engagement
• Fully comply with FCA regulations, the firm’s compliance framework, and Chartered body expectations
• Cooperate fully with compliance monitoring, audits, file reviews, and any regulatory enquiries

• Self-employed status with flexible working hours
• Office-based, or hybrid working options subject to firm arrangements
• Responsibility for managing own diary, client appointments, and workload

• CeMAP (Level
  3) or FCA-approved equivalent (e.g. CII Certificate in Mortgage Advice)
• Registered or eligible to act as a self-employed adviser / Appointed Representative
• Ability to pass credit and criminal records checks

• Advanced mortgage or financial planning qualifications
• Progress toward or attainment of Chartered status (e.g. CII Advanced Diploma)

• Significant experience operating as a mortgage adviser in a regulated environment
• Proven track record in self-employed, AR, or commission-based advisory roles
• Experience handling complex cases, including self-employed applicants, high-net-worth clients, and portfolio landlords
• Demonstrated ability to build and sustain a personal client base

• Strong technical mortgage knowledge and regulatory awareness
• Strong organisational skills with the ability to manage an independent workload
• Commercial awareness and business-development mindset

• Highly professional, ethical, and client-focused
• Self-motivated and resilient with a proactive approach to business development
• Strong attention to detail and commitment to compliance excellence
• Discreet, trustworthy, and aligned with the values of a Chartered firm
• Committed to continuous professional development and maintaining high professional standards