Mortgage Adviser | Perth Scotland | New-Build Lead Pipeline

Established Financial Services Business — Permanent, Employed Infrastructure with Hybrid Flexibility.

The Career Opportunity

Are you a qualified broker searching for high-growth Mortgage Adviser jobs Perth or wider Scotland frameworks can support? An established, capital-backed financial services firm is expanding its dedicated mortgage operation. The defining advantage of this position is immediate access to a consistent, pre-qualified inbound client pipeline driven by a formal, exclusive relationship with a major national new-build property developer.

Instead of losing non-billable hours fighting for self-generated business in a crowded market, you will step into a warm, high-volume trading environment. This position is perfect for an ambitious professional looking to pair an excellent employed baseline package with institutional client support and the modern flexibility to structure your work week across office, hybrid, or remote setups.

Core Duties & Advisory Responsibilities

As a key producer within this compliant Mortgage Advisor career track, your day-to-day workflow will focus on execution excellence:

• Whole-of-Market Advisory: Deliver compliant, professional mortgage and protection advice to clients navigating new-build property acquisitions and complex residential purchases.
• Pipeline Management: Securely guide customers through the complete mortgage application life cycle from initial qualification right through to legal completion.
• Introducer Relationships: Cultivate and solidify robust structural relationships with key property developer contacts and site-based introducers.
• Protection Injections: Systematically identify and recommend highly suitable ancillary protection insurance portfolios alongside baseline mortgage lending solutions.
• Administrative Compliance: Maintain pristine, precise client communication entries in full alignment with strict internal regulatory systems and compliance handbooks.
• Team Integration: Coordinate smoothly with dedicated back-office mortgage administration and file-checking networks to guarantee a seamless, rapid turnaround for your clients.

Package, Bonus Targets & Validation Matrix

This firm believes in transparently rewarding pipeline volume. The earning architecture is built to maximize your upside:

• Guaranteed Base: Highly competitive basic salary up to £30,000, tailored completely to your verified historical competence level.
• Validation Threshold: The role features a straightforward 4x basic salary validation target.
• Bonus Split: Once your baseline validation target is achieved per period, you receive a direct bonus equivalent to 30% of all written commission generated above that figure.
• Earning Reality: Established advisers within this infrastructure typically generate approximately £50,000 in written commission per quarter, bringing your expected realistic On-Target Earnings (OTE) to c.£55,000.

Candidate Experience & Technical Requirements

To maintain uncompromised standards across this premium Scotland advisory node, ideal applicants should possess:

• Professional Certifications: Full holding of the CeMAP qualification or a verified equivalent benchmark recognized directly by the FCA.
• Regulatory Benchmarks: Active attainment of Competent Adviser Status (CAS) with a clean compliance report history.
• Advice History: Proven experience delivering regulated mortgage advice, ideally with a sharp grasp of the speed and precision required for new-build contract timelines.
• Insurance Cross-sales: High commercial confidence mapping life, critical illness, and income protection structures to protect your client's financial future.
• Attitude over Tenure: While regulated advisory experience is essential, a lengthy multidecade track record is not mandatory. The business will happily back newly-CAS qualified advisers who demonstrate exceptional work ethic, professional organizational skills, and peak customer empathy.