You can rest assured in the fact that people and their desire to acquire property is a constant on these isles; the only issue at the moment is placing a mortgage due to lenders tightening their requirements, but many brokers are still making money is by selling protection products i.e life insurance, mortgage protection,re-mortgages.
After you are CeMAP® qualified:
- We can help you start your own directly authorised firm.
- We can connect you with a network.
- We can connect you with various solicitors firms as an introducer.
- We can help you in developing a team of self employed advisers.
- We can assist you with marketing and emarketing
- We can help you in growing your business.
contact info at cemap123.co.uk
Mortgage Industry Jobs through Futuretrend
We offer a free service sourcing opportunities across the UK within Mortgage Brokerages, Banks, Building Societies, and Estate Agents.
We have a good number of partners currently looking for professional individuals, who consider their sales skills to be pretty good and their ability to get on with clients unquestionable.
Ideally, you must possess a full UK driving license and have use of a vehicle. To assist you to meet targets you will have access to full mortgage administration, underwriting support and unparalleled technology. Candidates must be hard working and able to work under pressure, with good spoken English. Obviously, you must have the right to work in the UK.
Newsflash: one of our partners is now recruiting self-employed advisors who are within driving distance of the following areas:
- North East – Newcastle & Durham
- North Wales
- London – North & West
- Surrey & Sussex
- South West
- South Central Coast
- South East
They will provide advisors with the best possible opportunities to write business:
- Dedicated geographical areas to suit each individual advisor
- Qualified re-mortgage appointments to the highest criteria and quality control within the industry
- Dedicated administration & Compliance support
- Robust & intelligent Sales Process
- Genuine whole of market mortgage proposition
- Premium product providers for Life, CIC, PHI, Monthly & Single Premium ASU as well as Secured Loans, Conveyancing, Debt Management & Commercial Lending opportunities
If you have the qualifications contact us right now and let us get you started on the road to a rewarding career; if you haven't still get in touch with us so we can provide you with the requisite training
Call us now on 020 8443 2888 or 0845 686 2888 and speak to one of our advisors or email your CV through to info at CeMAP123.co.uk
We offer a completely confidential service that is free to candidates. We will not submit your CV to any company without your authorisation.
Why not contact us to see what we can do for you, or send an email through to info at CeMAP123.co.uk for the latest vacancies.
Whatever you choose to do...good luck with it!
10 reasons why you should consider a career as a Mortgage Advisor or Financial Advisor
A role in this industry can be very rewarding. Here are a number of reasons why you should consider a career as a Mortgage advisor.
1. Employed or Self-Employed
Choosing a role in the financial sector provides you with an opportunity to work for yourself or as an employee in an organisation, both of which have benefits. Becoming self-employed allows you to set your own working hours and business objectives. However, the start-up phase can be challenging while you establish a customer base. Working for an employer offers greater job security and the knowledge that you will receive a wage at the end of month.
2. Career Progression
Career progression can be very quick and rewarding in financial services for highly trained individuals. Employers seek determined, motivated and skilled staff to hold senior positions within organisations.
3. Further Education
Becoming aMortgage avisor or financial advisor requires training and a certain level of qualification to achieve professional credibility. At this point in time you will need to hold certificate in mortgage advice and practice (CEMAP) to become a mortgage advisor and Diploma in Financial Advice (which is a level 4 qualification) to become a financial advisor. The opportunity to partake in further education has several advantages, such as increased opportunities in the jobs market, promotions within a company and satisfaction as a result of personal achievement.
4. Job Satisfaction
Job satisfaction is very important in any form of employment. Becoming a mortgage advisor or financial advisor can provide this because of the nature of the role. Offering an advisory service is about helping people and having the ability to make a difference to someone's life can be very rewarding.
5. Working with People
The basic role of a mortgage/financial advisor is to provide a service to people that do not have the knowledge or resources to complete the task themselves. Providing advice on financial matters is a professional service that requires training and qualifications. People recognise this and therefore have a great deal of respect for mortgage advisors and financial advisors. Knowing that you are needed, valued and respected can have a huge impact on your motivation.
6. Income Potential
More qualifications or greater experience allow you to command a higher salary. Many mortgage advisors and financial advisors work for large companies that require a range of financial planning and auditing services. This can provide a very lucrative income. However, how much you ultimately make may depend on whether you are self-employed or an employee.
7. Career Longevity
Financial services will always be in high demand. Property acquisition either for residential or investment purposes will always be desirable. Businesses across every industry have a requirement for financial planning, account management and financial record keeping. As a result, the need for mortgage advisors and financial advisors will always exist. Some companies will employ financial experts directly, while others will use consultancy services on an ad-hoc contractor basis.
8. The Ageing UK population creates more demand for financial advice. Especially when people reach retirement age there is often a need for advice about financial investments and planning for the future. In addition to pensions, people want to ensure they have the means to live comfortably but also to be able to provide financial security for their families. Financial advisors can provide the help to do this by using their skills in the commercial world to offer a service on a personal level.
9. Emerging Technologies
Innovations in technology have seen a spectacular rise in internet usage and an increase in online commerce. People can now trade online on the stock market. The use of this type of technology can be better implemented with the support of a financial advisor.
10. Transferrable Skills
The skills required to perform the role of a mortgage advisor or financial advisor are quite varied. They need to be good with numbers, have good organisational skills and be computer literate. These types of skills are required in many professions. Increasing unemployment rates are today a constant feature of reports. People trained in financial services gain skills that can be transferred to other roles, which means that employment opportunities are greatly improved.
Thoughts on What to Look for in a Mortgage Advisor
The purchase of a home represents, by far, the largest single investment that most of us make during our lifetimes. Most of us, similarly, require a mortgage loan in order to make that purchase, and the importance of accurate, impartial mortgage advice cannot, therefore, be underestimated. Individual mortgage brokers, or the companies that they represent, must be authorised by – and therefore bound by the rules and regulations of – the Financial Services Authority (FCA). They must, for example, provide you with so-called 'Keyfacts' documents, which clearly illustrate the main points of any service or product that they may offer you.
Types of Advisors
Financial/mortgage advisors are divided into two categories, IFA, or 'Independent Financial Advisor', and IMA, or 'Independent Mortgage Advisor'. These descriptions are, unfortunately, rather similar so, for clarification, an IFA offers independent advice on the whole of the financial and investment market, not just on mortgages; this can be useful if you need advice on other products relevant to your property purchase. An IMA, on the other hand, offers advice independent advice solely, and specifically, on mortgage products. Some mortgage advisors – known as 'tied' advisors – are limited in the number of lenders, and products that they can offer. Any such affiliations should be made clear to you in the 'Keyfacts' document relating to mortgage services, so make sure that you are aware of the range of products on offer.
Mortgage advice, inevitably, costs money, but there a number of different ways in which you can pay a mortgage advisor, or broker. An IFA, for example, should offer you option of paying him, or her, by fee, rather than commission, in order to avoid bias on his, or her, part towards one mortgage product over another. Commission – a fee paid by a lender in return for selling a specific product – is, of course, another alternative, and a combination of part fee, part fee commission, may also be possible.
Qualifications & Experience
Mortgage advisors should be suitably qualified, in the eyes of the FCA, which means that they should have undertaken recognised qualifications, such as the 'Certificate in Mortgage Advice and Practice' (CeMAP®) and the 'Certificate and Diploma in Financial Planning', from the 'Chartered Insurance Institute' (CII), before being allowed to offer advice. If you need to check the qualifications or a mortgage advisor – and the advice that he, or she, is authorised to offer – the FCA operate a consumer telephone helpline.
In addition to 'paper' qualifications, experience in the industry – for example, counselling, or advising, individual consumers on their own, specific, financial needs – is also important. Don't be afraid to ask an advisor for whom, or for how long, he, or she, has worked in the industry, and how his, or her, experience relates to his, or her, current job. Any mortgage advisor worth their salt will happily discuss these details with you, as well as leading you through the myriad of fixed rate, variable rate and flexible mortgage products available.