EXPERIENCED MORTGAGE AND PROTECTION ADVISER WANTED
£50,000 to £75,000 OTE Year 1 | £100,000+ Year 2 onwards | Self-Employed | Leads Provide | Fully Remote.
Are you a proper adviser who actually cares about getting it right for the client?
Clear advice. Sharp packaging. Clean process. Happy clients. Cases that complete.
That's exactly what we're looking for.
And if you're stuck somewhere that doesn't value any of that, whether that's a brokerage drowning in admin, an employer with rigid targets, or a setup that's slowly grinding the life out of you...
This could be a very welcome change.
ABOUT US
CiK Finance is a specialist mortgage and protection brokerage built around two pillars.
Convenience. And Client is King.
That's not a slogan we stuck on the website. It's the entire reason the business exists.
Most brokerages are built around the adviser, the network, or the system. Ours is built around the client experience. The work, the tech, the process, the team, all of it pointed at one outcome: the client gets brilliant advice with as little friction as possible.
Which, conveniently, also means the adviser doing the work isn't drowning in pointless admin.
We work mostly with clients who have complex income. Business owners. Directors. HNW individuals.
People with salary, dividends, retained profits, bonuses, multiple companies, and the kind of tax returns that make high-street advisers reach for the paracetamol.
In plain English...
* We've got the leads.
* We've got the systems.
* We've got the standards.
* We've got the reviews. (50+ five-star Google reviews and counting.)
* We've got the brand.
* Now we need one more brilliant adviser.
1.
WHO THIS ROLE IS ACTUALLY FOR
Quick clarification, because this matters.
This role is self-employed, but who you are right now doesn't matter as much as you might think.
You might be:
* An EMPLOYED ADVISER stuck on capped earnings, daft KPIs, or a panel that doesn't fit the clients you actually want to help.
* A SELF-EMPLOYED ADVISER sick of poor systems, slow networks, and doing every job in the business yourself.
* An ADVISER RETURNING TO THE INDUSTRY after a break, who wants to come back into a setup that's modern, supportive, and actually enjoyable to work in.
We care far more about the person than the CV.
You can be the most technically gifted adviser in the country, but if you're not driven, not client-first, and not the kind of person who wants to raise the bar... it won't work here.
The technical side can be sharpened.
Character can't.
FED UP WITH HOW MOST BROKERAGES OPERATE?
You know the drill.
You spend all day advising.
Then you spend your evening chasing clients for payslips, re-uploading documents the underwriter "didn't receive", manually reformatting fact-finds, replying to "what's your best rate?" messages, and trying to remember what a Sunday off feels like.
If you're employed, swap that out for: hitting an arbitrary monthly target, being told off for spending too long on a complex case, watching the firm cream the lion's share off your work, and sitting in another "performance huddle" instead of advising.
Either way, the result is the same.
You're working hard, you care about your clients, but the setup around you is slowly burning you out.
With this role, you get to focus on what you're actually good at.
Giving great advice and building proper client relationships.
You'll have leads coming in, a fully mapped client journey, tech that exists to make your life easier (not harder), admin support as you scale, and a brand that does the heavy lifting on credibility.
No more wondering where the next case is coming from in a quiet month.
No more replicating the same admin task fourteen times because the system can't pass data between stages.
No more being adviser, packager, chaser, secretary, IT support and therapist all at once.
Just proper advice, for proper clients, with a brokerage built around convenience.
You'll be part of a small team genuinely trying to modernise how mortgage advice gets delivered.
You'll have:
* LEADS PROVIDED, generated through marketing, referral partners and our existing client base. Real opportunities, not stale aggregator scraps.
* STRONG COMMERCIALS: 50/50 split on company-provided leads, 70/30 in your favour on anything you bring in yourself.
* A FULLY MAPPED CLIENT PROCESS, end to end, so you spend your time advising, not chasing.
* TECH WITH ONE PURPOSE: enhance the client experience and give you hours back every week.
* A 48-HOUR DOCUMENT-TO-DIP STANDARD, because clients shouldn't have to wait two weeks for a holding email.
* ADMIN SUPPORT AS YOU SCALE, so when your pipeline grows, you don't drown in it.
* PRIMIS behind you for compliance and lender access.
* FULLY REMOTE, work from wherever you do your best thinking.
* A GENUINE END-TO-END SERVICE, where the case is owned from enquiry to completion. By a real team. Not a chatbot pretending to be one.
LET'S TALK MONEY
Realistic earnings are £50,000 to £75,000 in year one, and £100,000+ from year two onward for the right person.
We're not going to dress that up as a get-rich-quick promise.
It's a strong package, with proper room to grow.
The splits:
* 50/50 on leads we provide.
* 70/30 in your favour on cases you generate yourself.
The real value sits around the income:
* Leads coming in without you having to build a personal brand from scratch
* A client base that pays properly per case
* A process that lets you handle volume without losing quality
* Admin support so you're not the bottleneck on your own pipeline
* A brand and review profile that does half the conversion work before the first call
So, if you're already a self-employed adviser absolutely flying solo and loving every minute, this may or may not be for you.
But if you're a great adviser who's had enough of poor systems, capped earnings, slow networks, manual everything, or being treated like a number...
This could be a very sensible move.
THE RIGHT PERSON WILL TICK THESE BOXES
Nobody is perfect.
Especially before the first coffee.
But you do need to be the right kind of person.
You'll probably be right for this role if:
* You hold full CeMAP, ideally with CAS (Competent Adviser Status). If you're returning to the industry, that's fine, we just need to know where you are.
* You're driven, and you genuinely want to build something inside a proper platform.
* You put the client's needs above your own. Every time. No exceptions.
* You take ownership, full stop. Pipeline, cases, mistakes, wins, all of it.
* You hold high standards and get visibly twitchy when other people don't.
* You see complex cases as a challenge to enjoy, not a problem to dodge.
* You see tech as an ally, not a threat.
* You want to deliver a genuinely excellent client experience, not just "a mortgage".
* You're driven to do what's right, especially when it's the harder option.
* You're the kind of person other people in a team are glad to work with.
And yes, you'll need to be reliable.
Not "reliable-ish".
Actually reliable. On it. Every time.
YOU PROBABLY WON'T BE RIGHT FOR THIS ROLE IF...
Let's save everyone a bit of time.
This role probably isn't for you if:
* You want to coast and only work two or three days a week.
* You're happy being a middle-of-the-road adviser at a middle-of-the-road firm.
* You expect leads to fall in your lap forever, with zero effort to generate your own.
* You see clients as transactions.
* You think a fact-find is a formality.
* You can't be bothered with packaging and assume admin will mop it up.
* You blame the network, the lender, the underwriter, the client and the weather before looking at your own process.
* You're not interested in raising the bar on what good advice feels like.
* You'd rather argue about commission splits than build a pipeline.
* You think tech is something the kids use.
We care about results.
We also care, deeply, about how the client feels along the way.
That matters.
A lot.
WHAT A TYPICAL DAY MIGHT LOOK LIKE
Every day is a bit different. You manage your own diary.
We're far more interested in quality, conversion and client experience than standing over you with a
stopwatch like an over-caffeinated middle manager.
But a typical day might look something like this...
8:30am. Quick scan of the CRM. Overnight enquiries. Lender updates. Anything urgent on live cases.
9:00am. First fact-find of the day. Real conversation. Proper discovery. No script-reading.
10:30am. Packaging a case. Lender criteria check. Quick call to the BDM if needed.
12:00pm. Lunch. (Optional. Encouraged. Ideally not at your desk.)
1:00pm. Recommendation meeting. Walking the client through their options like a human, not a robot.
2:30pm. DIP submitted. CRM updated. Admin team picks up the next stage of an in-flight case.
3:30pm. Protection conversation. Because here, protection isn't an afterthought.
4:30pm. Pipeline review. Tomorrow's diary. Nudges on anything that needs one.
5:30pm. Done.
Not still working at 9pm because the system is broken and you're the only one who can fix it.
Some days will be smooth.
Some days will throw you the kind of "interesting surprise" only this industry can.
That's where your experience, judgement and character come in.
WHY THIS ROLE EXISTS
We're growing. We're at capacity. And we have no intention of lowering our standards to scale.
We want to build a small, sharp team of advisers who are genuinely changing how mortgage and protection advice gets delivered in this country.
Better advice. Better process. Better experience. Better outcomes for everyone involved.
YOUR NEXT STEP
If you're reading this and thinking, "I'd be a brilliant fit for these guys"...
Then we'd like to hear from you.
Please apply with a short video, no more than 2 minutes. Tell us who you are, why you're right for this role, and finish with a joke that actually makes us laugh.
That's it. No CV essay. No cover letter. No ChatGPT!
Just you, on camera, being yourself.
Send your video to one of the following:
WhatsApp: 07966 279279
Email a Loom to: kieran@cikfinance.co.uk
If you're the right person, this could be a serious career move.
And if you're the kind of adviser who genuinely takes pride in doing things properly...
You'll probably fit right in.