Mortgage Advisor

Who are we?

Howden is a global insurance group with employee ownership at its heart. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 24,000 employees spanning over 56 countries.

People join Howden for many different reasons, but they stay for the same one: our culture. It’s what sets us apart, and the reason our employees have been turning down headhunters for years. Whatever your priorities – work / life balance, career progression, sustainability, volunteering – you’ll find like-minded people driving change at Howden.

Job Title: Mortgage Adviser – SPF Private Clients (part of Howden)

• Location: London
• Team: Employee Benefits

About the Opportunity

This is an exciting time to join our rapidly expanding Employee Benefits team , a newly developed and fast‑paced area of our business. As we scale, we are building a team of talented advisers who want to be part of something evolving, energised, and full of opportunity.

We are seeking a Mortgage Adviser to deliver high‑quality, regulated mortgage advice to both new and existing clients. All leads are provided , allowing you to focus on what you do best—advising clients and delivering outstanding outcomes. Previous experience within an employee benefits or similar financial services team is highly desirable.

This role sits within SPF Private Clients , now proudly part of the Howden Group , giving you the unique advantage of working within a specialist, client‑focused brokerage while benefiting from the scale, stability, and culture of one of the world’s largest insurance groups.

You will play a key role in ensuring accurate, compliant recommendations and first‑class service throughout the entire mortgage journey, with responsibility for upholding FCA requirements—including Consumer Duty—to ensure fair treatment and good outcomes for all customers.

Key Responsibilities

Client Advice & Service

• •Provide clear, professional mortgage advice to prospective and existing clients.
• •Gather and assess client information to complete full needs analyses.
• •Prepare and present compliant and suitable recommendations and reports.
• •Ensure consistent adherence to FCA requirements and company compliance policies.
• •Accurately and promptly log all client interactions.

Business Development

• •Collaborate with your Supervisor to deliver a business development plan aligned to company objectives.
• •Build and maintain strong relationships with clients, introducers, and relevant stakeholders.
• •Regularly review client circumstances to identify ongoing advice opportunities.
• •Represent SPF Private Clients professionally at all times.

Compliance & Record Keeping

• •Follow company procedures when submitting business and managing client files.
• •Ensure all administrative tasks meet required record‑keeping and file‑quality standards.
• •Complete remedial actions promptly and within set timescales.
• •Maintain accurate data within internal systems.
• •Demonstrate ongoing competence through monitoring and assessments as required.

Training & Development

• •Obtain and maintain required qualifications to act as a Registered Mortgage Adviser.
• •Complete CPD in line with company policy.
• •Participate in training programmes and work with your Supervisor to address development needs.
• •Keep up to date with industry practices and regulatory changes.

Qualifications & Skills Required

• •CeMAP (Certificate in Mortgage Advice and Practice) or equivalent.
• •Knowledge of relevant FCA sourcebooks, including:
• •PRIN (Principles for Business)
• •COCON (Code of Conduct)
• •FIT (Fit and Proper Test)
• •TC (Training and Competence)
• •GEN (General Provisions)
• •DISP (Dispute Resolution)
• •MCOBS (Business Standards)

• •Awareness of financial crime and AML requirements (SYSC, JMLSG guidance, Bribery Act).
• •Strong communication skills suitable for a wide range of client situations.
• •Ability to assess information, apply regulatory standards, and work within clear processes.
• •Experience within an employee benefits or similar financial services environment is advantageous.

What do we offer in return?

A career that you define. At Howden, we value diversity – there is no one Howden type. Instead, we’re looking for individuals who share the same values as us:

Our successes have all come from someone brave enough to try something new

We support each other in the small everyday moments and the bigger challenges

We are determined to make a positive difference at work and beyond

Reasonable adjustments

We're committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs. Besides the usual adjustments such as software, IT, and office setups, we can also accommodate other changes such as flexible hours* or hybrid working*.

If you're excited by this role but have some doubts about whether it’s the right fit for you, send us your application – if your profile fits the role’s criteria, we will be in touch to assist in helping to get you set up with any reasonable adjustments you may require.

*Not all positions can accommodate changes to working hours or locations. Reach out to your Recruitment Partner if you want to know more.

Permanent