Mortgage Adviser Working Model Explorer
Answer five practical questions about income, leads, support, client relationships and business responsibility. The result will suggest a working model that may be worth exploring further.
This tool does not collect your name, telephone number, email address or answers. It provides a starting point for a confidential conversation, not a guaranteed recommendation.
Choose one answer before continuing.
Why it may fit
Questions to confirm
This result is a starting point. Confirm the employment model, contract, costs, earnings, lead arrangements, compliance support and client position for any specific opportunity.
Understanding the main mortgage adviser models
Employed Mortgage Adviser
An employed role normally provides a salary and employee benefits, often with performance-related earnings. Lead supply, targets, office attendance, working hours and protection expectations vary between firms.
Supported Self-Employed Adviser
This model may provide administrative, compliance, technology or lead support while the adviser accepts more variable earnings and commercial responsibility. Costs and client arrangements must be confirmed.
Appointed Representative Model
An Appointed Representative operates under the responsibility and oversight of an authorised principal firm. Support, fees, lender access, branding, client ownership and contractual expectations differ between arrangements.
Business Owner or Direct Authorisation Route
Operating a mortgage business involves wider responsibility for governance, compliance, systems, finances and staff. This route is different from simply choosing a higher commission split and requires careful professional consideration.
What should you compare before moving?
- Salary, commission, fees, costs and realistic earnings.
- Lead source, lead quality, volume and any associated charges.
- Administration, compliance, systems and case-progression support.
- Protection expectations and how performance is measured.
- Office attendance, home working, travel and appointment hours.
- Branding, client relationships and contractual restrictions.
- Training, competency expectations and development support.
- The responsibilities you would personally need to manage.
Open to a confidential conversation?
You do not need to be actively job hunting. AR Recruitment can help you compare mortgage adviser opportunities and understand the confirmed differences between working models.