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Mortgage Adviser / Trainee Equity Release Specialist – Stockton

Location: Office based Stockton on Tees

Type: Full-Time

Salary: Competitive

Reference: MA/HW/170524

Job Description

Bower is one of the UK’s leading and long-standing national financial advice companies. Founded in 2006, Bower has over a decade of award-winning advice plus a platinum 5-star Feefo customer experience rating.

Bower is a customer focused, Wealth Management, Equity Release, Mortgage Advice and Home Finance financial services company which aims to provide expert advice, and go above and beyond in the care of its customers and staff. Bower is directly authorised by the Financial Conduct Authority (FCA) and a member of the Equity Release Council.

We are seeking experienced mortgage advisers, newly qualified in Equity Release advice or wishing to progress into equity release, to join our office-based equity release team. You will need the relevant Equity Release qualification or be prepared to obtain this. Previous experience of Equity Release advice is preferred as is a proven track record in financial advice.

Bower is a client-driven, financial services and digital marketing company that has at its core the care of its customers and staff. Bower provides customers expert and specialist advice on a range of home finance products from the whole market and is directly authorised by the FCA.

Bowers enquiries are generated from its own web site and digital marketing channels, plus its many partnerships for customers approaching or in retirement. Bower advises on lifetime mortgages, all equity release products, RIO’s and mortgage and general insurance products.

The role will include:

  • Establishing contact with customers and providing mortgage/equity release advice in line with each individual’s objectives and circumstances
  • Providing clients with comprehensive recommendation packs, including KFIs and Suitability Reports in line with the company’s best practice procedures
  • Proactive contact with clients and the making best use of all enquiries and the Bower data base
  • Promoting the company as one of the UK’s national leading advisory companies in the field of equity release, Lifetime Mortgages and Home Finance Products
  • Communicating with the Compliance and Training & Competency departments to ensure an FCA compliant approach to regulated activity
  • Ensuring that records are kept appropriately in line with the company’s CRM digital record keeping and file quality requirements
  • Contacting clients upon receipt of communications as determined by the company’s designated sales process
  • Adhering at all times to the principles of treating customers fairly and all compliance polices
  • To attend training courses and reading relevant material for CPD to be documented

You will:

  • Have administration office support, training and continued professional development
  • Have access to all lenders products from the whole market and the leading terms and rates
  • Be provided with all enquiries from Bowers digital marketing branded in house generated marketing channels and Bower Partnerships department
  • Have a dedicated Personal Assistant to support you and manage your cases from application to completion with administration support, case progression and customer liaison
  • Have pre-qualified appointments from Bowers Customer Contact Centre booked in your diary
  • Provide Mortgage or Equity Release advice to clients over age 55 who own their own homes either on the phone, via video, or a mixture
  • Have the companies highly regarded and bespoke CRM sourcing and management system, plus database to generate enquiries and manage your pipeline
  • Be provided with Bowers in house training and technical support
  • Have IT and marketing support from Bowers IT and digital marketing department
  • Have regular Bower CPD events, Training and Competency and product updates
  • Be part of a growing company and sector

Locations Available:

  • Stockton-on-Tees

You will need to have experience and qualification in/of:

  • A minimum of 12 months financial services experience within financial advice
  • Evidence of sustained sales success and compliant practice with CAS status
  • Excellent written and verbal communication skills

Mandatory minimum or equivalent:

  • Certificate in Mortgage Advice (CeMAP)

Advantageous but non-Mandatory:

  • Certificate in Equity Release (CF7 or ER1) or Certificate in Regulated Equity Release (CeRER) or be prepared to obtain this
  • Certificate in Financial Planning (CeFA), FPC or level 4 Diploma in Financial Planning

Personal Attributes:

  • The ability to work in an ethical and customer service focused environment
  • The ability to manage time efficiently
  • A caring and empathetic approach
  • A can-do attitude with going the extra mile for customer’s
  • Ability to work in a team and from your own initiative being self-motivated
  • The desire to succeed and provide excellent customer service within an ethical framework What We Offer A highly competitive compensation package.

What We Offer

A highly competitive compensation package.

  • Hybrid working model with work life balance in mind
  • 31 days annual leave including bank holidays
  • A modern family-owned business in which our staff can build on a trustful and valued partnership
  • A varied and challenging role in a growing company
  • Development and further training opportunities for shaping and realising your career goals
  • Regular company and team days along with social activities.


To apply for this challenging and rewarding role, please email your CV and covering letter to [email protected] or apply online below:

Apply Online