Mortgage adviser
Level 3 · AdvancedLegal, finance and accounting 1 yr typical
About this apprenticeship
What it involves
Mortgage advisers help customers find and secure the right mortgage for buying a home, remortgaging, or investing in property. Apprentices learn about mortgage products, the regulatory framework, and how to assess customer needs and affordability. The role is based in banks, building societies, estate agents, or independent broking firms, with strong career progression to senior adviser or management.
On the job
What you’ll learn
Types of mortgage products and how they work
FCA regulation and responsible lending rules
Affordability assessment and credit analysis
The mortgage application and conveyancing process
Protection products relevant to mortgage customers
Customer service and professional communication skills
On the job
What you’ll do day to day
Meet clients to understand their property and finance goals
Research and compare mortgage products from lenders
Assess customer affordability and credit position
Prepare and submit mortgage applications to lenders
Explain mortgage terms and protection options clearly
Keep accurate client records and meet FCA compliance requirements
The deal
How this apprenticeship works
You earn a wage from day one. You are a paid employee, not a student. There are no tuition fees - the training is funded by your employer and the government.
About 20% is “off-the-job” training. Roughly a day a week is spent learning away from your normal duties - at a college, training provider, or online - working towards a recognised qualification.
It ends with an end-point assessment (EPA). Near the end, an independent assessor checks you can do the job to the national standard - through tests, a project, a portfolio or an interview. Pass it and you are fully qualified.
How to get there
What you need to start
Level 3 (Advanced) - roughly A-level level. Employers usually look for some GCSEs (often English & maths around grade 4/C) or a Level 2 apprenticeship first. English & maths can sometimes be finished during training.
What’s next: Can lead to a Level 4/5 (Higher) apprenticeship, or straight into the role.
Entry requirements are set by each employer and can vary - always check the specific vacancy.
Hear from employers
What it’s really like
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