Job Description

Senior Specialist: Second Charge Mortgage Broker

The Opportunity Finspace Group, an award-winning specialist in secured finance, is expanding its Second Charge Mortgage division. This is a high-performance, B2C advisory role designed for CeMAP-qualified brokers who want to transition from standard residential lending into high-value specialist finance. Unlike traditional brokerages that rely on external introducers, Finspace provides a consistent stream of warm, inbound leads generated by an elite in-house marketing engine. You will focus entirely on client advice and deal execution, rather than cold prospecting.

The Product: What is a Second Charge? A Second Charge Mortgage (or “Secured Loan”) allows homeowners to borrow against the equity in their property without disturbing their existing first mortgage. This is often the superior financial choice for clients who have a low-interest first mortgage or face high early repayment charges (ERCs).

Primary Accountabilities:

Advisory Excellence: Conducting comprehensive fact-finding to assess client suitability for debt consolidation, home improvements, or investment capital.
Conversion Management: Efficiently handling high-quality inbound inquiries, moving them from initial contact to binding offer and completion.
Strategic Structuring: Designing bespoke lending solutions for a varied client base, including complex self-employed profiles and high-net-worth borrowers.
Compliance Oversight: Ensuring all advice meets the rigorous standards of FCA regulation and internal risk frameworks.
Lender Liaison: Leveraging Finspace’s premier panel access to negotiate with key lenders for exclusive rates and terms.

What We’re Looking For:

CeMAP Qualification: You must hold a full CeMAP (Certificate in Mortgage Advice and Practice) qualification.
Proven Tenure: Experience in residential mortgage sales, with a track record of meeting and exceeding billing targets.
Sales Prowess: A target-driven mindset with the ability to build immediate rapport with B2C clients.
Technical Literacy: Proficiency with CRM systems and digital quoting tools to manage a high-volume pipeline.

Job Data Table

Category	Details
Company Name	Finspace Group
Location	London (Hybrid/Remote options available post-onboarding)
Salary Range	£35,000+ Basic
On-Target Earnings	£70,000 – £100,000 (Top performers can exceed this)
Job Type	Full-time, Permanent
Qualification	Full CeMAP Required
Leads Provided	Yes (Direct, Warm, Inbound B2C leads)
Lender Access	Premier Panel Status (130+ Lenders)

Skills & Competency Table

Key Skill	Level
Second Charge & Specialist Lending	Expert
B2C Sales & Lead Conversion	Expert
Debt Consolidation Structuring	Advanced
FCA Regulatory Knowledge	Expert
CRM & Fintech Proficiency	Advanced
Commercial Awareness	Advanced

Salaries Pay Calculator Table

Annual Salary	Commission (Billing Based)	Total Compensation	Notes
£35,000	£35,000	£70,000	Standard OTE for consistent advisors.
£37,500	£62,500	£100,000	Expected OTE for high-volume performers.
£40,000+	£85,000+	£125,000+	Elite tier (Brokers billing £400k – £500k+).

Job Summary

Finspace is hiring CeMAP-qualified brokers to manage inbound second-charge mortgage leads in a high-growth London office. You will provide specialized advice on equity release and debt consolidation, backed by in-house marketing and industry-leading commission splits (no introducer cuts). The role offers a £35k+ base with a realistic £100k OTE and hybrid flexibility.

FAQs

What makes Finspace different from other brokerages? They do not rely on third-party introducers. Leads are generated in-house, meaning the broker keeps a higher percentage of the gross income.
Can I work from home? Yes, hybrid or fully remote options are available once you have successfully completed the onboarding and training period.
Is there a limit on commission? No, the commission is uncapped. Top brokers at Finspace are known to bill between £250k and £500k annually.
What are the common uses for these loans? Most clients use second charges for debt consolidation, home improvements, or as a deposit for an investment property.
What technology does Finspace use? They utilize a modern CRM and bespoke appraisal platforms to ensure a “data-driven” funding journey.

Expert Analysis

In 2026, the Second Charge market is a vital alternative to remortgaging, especially for homeowners locked into low-rate fixed deals from previous years. As interest rates fluctuate, the ability to borrow additional funds without losing a $2\%$ or $3\%$ first-charge rate is a massive selling point. Finspace’s model of “Gross Income Commission” is particularly attractive because it bypasses the “introducer tax” that typically eats $20\%-40\%$ of a broker’s earnings in traditional firms.

Location & Logistics Guide

The role is based in London, specifically near the EC1Y area (Old Street/City fringe), providing excellent transport links via the Northern Line and national rail. The office culture is described as “upbeat and supportive,” focusing on collaborative success. Wikipedia URL:https://en.wikipedia.org/wiki/London

Career Path

Successful brokers at Finspace often transition from Second Charge Specialists into Bridging & Development Finance , where deal sizes are significantly larger (often multi-million pound transactions). There are also opportunities to move into Team Leadership or participate in the company’s Growth Share Scheme , allowing for equity participation in the business itself.