Broker Hub · Self-employed roles
Self-Employed Mortgage Adviser Jobs UK
Live self-employed mortgage, protection, specialist finance and IFA opportunities across the UK — with the commission split, lead position and support model set out up front, so you can compare properly before you talk to anyone.
- 75%–85%Adviser commission splits on current roles
- UK-wideRemote-first opportunities
- Whole of marketOptions available
- ConfidentialYour current firm is never approached
Live self-employed roles
Every firm below is a confidential client. Full details, including who the firm is, are shared on a call once we know the role is a genuine fit for you. Not sure a move would pay? Try our commission split calculator.
Self-Employed Mortgage & Protection Adviser – Whole of Market
A growing Appointed Representative firm adding experienced self-employed mortgage advisers who already generate their own business and want more freedom than a large network allows.
- Whole-of-market mortgage proposition
- 75% adviser split, no separate monthly fee
- PI and compliance covered within the firm's share
- Write your own protection, or refer it in
- Suits established self-generators with clients or introducers
Self-Employed Mortgage & Protection Adviser – 80% to 85% Split
A relationship-led mortgage and protection firm looking for experienced advisers who want a better split, strong gross rates and hands-on support from the owner.
- 80% once signed off, rising to 85% at an income milestone
- Top-up leads available when you have capacity
- Mortgages, protection and GI
- 100% of solicitor referral commission
- Best for experienced advisers, ideally already CAS
Self-Employed Specialist Finance Adviser
For self-generating brokers in bridging, commercial, development finance and second charges who want institutional back-office support behind their origination.
- Up to 80% commission split
- Centralised case support and compliance processing
- Broad specialist lender access
Self-Employed Financial Adviser / IFA – Growth Platform
For established IFAs and boutique practices with an existing client bank who want better technology, compliance support and long-term succession options.
- Keep your autonomy and client relationships
- Operational and regulatory load taken off you
- Succession and exit options
Looking for employed roles? See all current vacancies.
Is self-employed right for you?
Most of the self-employed firms we work with want advisers who already produce business. The better your own pipeline, the stronger your negotiating position on split and support.
Usually a strong fit
CeMAP-qualified and CAS, with a back book, introducers, estate agent or referral relationships, and a steady case volume you can bring with you.
Usually a harder fit
Newly qualified with no advising history, or reliant on a single supplied lead source. An employed mortgage role is often the better next step.
Frustrated at a network?
Restricted panels, protection rules, fixed monthly fees and slow case support are the most common reasons advisers talk to us. Most of these are fixable with the right firm.
What to compare before you move
A headline split rarely tells the whole story. Check each of these on every self-employed offer.
- Split vs gross rates: 85% of a weak proc fee can pay less than 75% of a strong one.
- Fixed costs: monthly desk or network fees, PI, CRM, compliance and lead charges.
- Panel: whole of market, or a restricted lender and protection panel.
- Leads: self-generated, top-up leads, or supplied — and who pays for them.
- Protection and GI: whether you can write your own, and how it is paid.
- Client ownership: what happens to your clients and introducers if you leave.
- Support: case admin, compliance sign-off speed, and who you actually speak to.
- Transition: CAS sign-off process, pipeline handover and notice periods.
Self-employed mortgage adviser FAQs
What commission split do self-employed mortgage advisers get in the UK?
Splits on our current roles range from 75% to 85% to the adviser. What you keep depends just as much on gross proc fee rates, monthly fees and lead costs as on the percentage itself.
Do I need my own clients to go self-employed?
For most firms, yes. They look for advisers with a back book, introducers or referral sources. Some offer top-up leads, but few will support an adviser with no pipeline of their own.
Can I work remotely as a self-employed mortgage adviser?
Yes. Most of the self-employed roles we recruit for are UK-wide and remote-first, with occasional attendance for training or CPD at most.
What is the difference between a network, an AR firm and being directly authorised?
A network or AR principal holds the FCA permissions and takes on compliance; directly authorised firms hold their own. Our guide to mortgage broker firm types explains the trade-offs.
Will my current firm find out I am looking?
No. Every conversation is confidential, and your details are never shared with a firm without your permission.
Not sure which role fits?
Tell us your current split, fees and how you generate business. We'll tell you honestly which firms are worth a conversation — and which aren't.