Mortgage Advisor

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.

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.

• 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
• 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
• Work collaboratively with compliance audits, file checks, and reviews
• Self‑employed with full flexibility
• Office‑based or hybrid options available
• Full management of your own diary, clients, and workload

• CeMAP (Level
  3) or FCA‑approved equivalent
• Eligible to act as a self‑employed adviser / Appointed Representative
• Able to pass credit and criminal records checks
• Advanced mortgage or financial planning qualifications
• Working towards or holding Chartered status

• Strong experience as a regulated mortgage adviser
• Comfortable handling complex cases (self‑employed, HNW clients, landlords)
• Demonstrable ability to build and retain a client base
• Excellent technical mortgage knowledge
• Strong organisational skills and ability to self‑manage
• Commercially minded with strong business‑development skills

• 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

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.