OUR COURSES
Futuretrend is a preferred supplier to the Greater London Authority.
Career Opportunities
We'll tell you straight now guys (and gals!)...with regards to your dream of becoming a fully qualified mortgage broker...Just keep it up! Don't let the current state of the market deter you from acheiving your CeMAP qualification; the winds of change will blow in the right direction again and when it does you'll be ready. if you give up now you'll miss the boat when it comes round again.
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.
Also consider the equity release(CeRER) qualification as this part of the
industry is very buoyant due to the lack of qualified advisers therein and its whole market share is set to soar in 2010 to10 billion, by 2015 its set to increase to 20 billion pounds.
Mortgage Industry Jobs through Futuretrend
Our recruitment department sources opportunities across the UK within Banking, Building Societies, Insurance Companies, Mortgage Brokers, and Estate Agents.
Our clients essentially look 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.
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 to achieve the life style you dream of.
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@cemap123.co.uk
. Our candidate services include:
- Niche mortgage sector recruitment specialisation
- Individual career guidance
- CV preparation assistance
- Access to a wide range of opportunities
- Interview guidance
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@cemap123.co.uk for the latest vacancies.
Whatever you choose to do...good luck with it!
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 (FSA). 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 Mortgage Advisor
Independent mortgage advisors are divided into two categories, IFA, or `Independent Financial Advisor`, and IMA, or `Independent Mortgage Association`. 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 FSA, 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 FSA 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 fixed rate, variable rate and flexible mortgage products available.
