Property Mortgage Broker Employment Contract UK

Responsibilities reflected in the contract

• Gather and verify client needs and circumstances.
• Research authorised mortgage products and lenders.
• Prepare suitable recommendations and disclosures.
• Progress applications and lender requirements.
• Record advice fees commission and material changes.

A realistic working scenario

You manage mortgage enquiries, prioritise viewings and pipeline actions, record offers and disclosures in the property and applicant CRM, prepare client-file finance records and follow anti-fraud and client-money controls. Escalate complaints, suspected fraud, disclosure exceptions or safeguarding concerns to the branch manager or lettings manager without delay.

Outputs to agree

• Accurate mortgage application and financial records in the property and applicant CRM and compliance and client-file records.
• Completed viewing and instruction records showing priority, next action and responsible party.
• Recorded decision log for offers, disclosures and referral reasons and escalation timestamps.
• Notifications and updates to landlords, applicants and conveyancing partners about mortgage milestones and risks.

Records and evidence

• Property and applicant CRM records including application status and financial checks.
• Viewing and instruction records capturing appointment, outcome and next steps.
• Compliance and client-file records with proof of ID, evidence of funds and anti-fraud checks.
• Client money and payment records documenting receipts, disbursements and approvals.
• Offer, disclosure and escalation decision logs with timestamps and approver identity.
• Work records.

Reporting relationship

Typically reports to Line Manager or Department Manager. Confirm the employer's actual reporting structure in the builder.

Authority and escalation

• You may update CRM status, prepare client-file finance documents and request payments. Any client-money disbursement exceptions, unexplained missing funds, offer disclosures that could affect contract terms, suspected fraud or safeguarding disclosures must be approved or escalated to the branch manager or lettings manager before action.
• Obtain approval before committing expenditure, changing contractual commitments or making regulated or staffing decisions outside the assigned role.

Tools and systems

• Property management systems.
• Inspection tools.

Workplace context

• Office, client premises, remote systems or assigned work locations.

Contract priorities

• Keep property and applicant CRM and compliance and client-file records current after each client interaction.
• Follow client-money, approvals and anti-fraud controls when handling receipts or payment instructions.
• Escalate suspected fraud, safeguarding disclosures, unexplained missing funds or offer-disclosure exceptions to the branch manager or lettings manager promptly.
• Record offer, disclosure and escalation decisions with rationale and approver identity.
• Use property management systems, viewing records and compliance files only for authorised mortgage broking tasks.

Information the employer should prepare

• the customer markets products and lender panel
• the permissions qualifications and supervision
• the advice file and affordability process
• the fee commission and introducer arrangements
• the target quality and complaint controls