How to Get Your First Job as a Mortgage Broker

How to Get Your First Job as a Mortgage Broker

What’s the Biggest Secret to Getting Your First Job as a Mortgage Broker?

I still remember the moment I decided to step into the mortgage industry. Excitement, nerves, and that overwhelming feeling of “Where do I even start?” If you're feeling the same way, trust me—you're not alone. Getting your first mortgage broker job can feel like climbing a mountain with no clear path. But having coached hundreds of mortgage brokers, I can tell you there is a path. It’s just about knowing where to look and what steps to take.

Why Do So Many People Struggle to Start as a Mortgage Broker?

Many aspiring mortgage brokers assume that passing their CeMAP qualification is the hardest part. They think mortgage broker jobs will come rolling in once they’ve got that certificate. The truth? Without the right approach, you could be left waiting months—if not years—to break into the mortgage industry.

I’ve seen countless people get stuck in a loop: applying for jobs, getting rejected, losing confidence, and eventually giving up. And that’s a shame because this is an incredible career, full of opportunities for those who know how to position themselves correctly.

So let’s break it down. Here’s how to get your first job as a mortgage broker without making the mistakes that hold most people back.

How Do You Get the Right Mortgage Broker Qualification? (CeMAP and Beyond)

Passing your CeMAP qualification is essential, but it’s just the entry ticket. It doesn’t guarantee you a job as a mortgage broker. Mortgage networks and firms are looking for people who can add value beyond the certificate. Show them you understand the mortgage industry, lender criteria, and how to handle clients professionally.

Want to know what the CeMAP exam is like on the day? Watch this video: What is The CeMAP Exam Like On The Day?

Should You Choose an Employed or Self-Employed Mortgage Broker Role?

Most new mortgage brokers default to looking for employed mortgage adviser jobs, but self-employment is also an option—if you’re prepared for it.

• Employed Mortgage Broker: You’ll receive leads, training, and a salary—but have less control over your business and commissions.

• Self-Employed Mortgage Broker: More earning potential and flexibility, but you’ll need to generate your own leads and cover compliance and marketing costs.

Many successful mortgage brokers I’ve worked with started as employed advisers to learn the ropes before going independent.

Not sure which one to choose? Watch this breakdown: Self-Employed vs Employed Mortgage Broker

What If You Have No Experience in the Mortgage Industry?

This is where most aspiring mortgage brokers struggle. If you don’t have direct mortgage experience, create it.

• Start as a mortgage administrator to learn the processes.

• Shadow an experienced mortgage broker and learn how they manage clients.

• Get a role in banking, estate agency, or financial services to build relevant skills before applying for mortgage jobs.

Thinking of transitioning from another industry? Here’s how: Can You Transition to Mortgage Brokering from Another Industry?

How Can You Build a Network That Gets You Mortgage Job Offers?

Mortgage brokering is a relationship-driven business. The more people you know in the mortgage industry, the easier it will be to find opportunities.

• Attend mortgage industry events and meetups.

• Engage on LinkedIn by connecting with hiring managers, lenders, and recruiters.

• Reach out to mortgage brokers and ask for advice—not a job. You’ll be surprised how many experienced advisers are happy to help.

What Makes a Mortgage Broker Job Application Stand Out?

A generic CV won’t cut it. Mortgage firms want to see passion, industry knowledge, and a clear motivation for why you want to be a mortgage adviser.

• Tailor your CV to highlight transferable skills (sales, customer service, financial knowledge, compliance awareness).

• Write a personalised cover letter that shows enthusiasm for mortgage brokering.

• Follow up with employers after submitting applications. Show them you’re serious about becoming a mortgage broker.

Can You Start Small and Still Succeed in Mortgage Brokering?

Most top mortgage brokers didn’t start in their dream roles. Many took lower-paid positions, worked under experienced mortgage advisers, or even started part-time. The goal is to get into the industry, learn, and move up.

Curious about what to expect in your first year? Check this out: What to Expect in Your First Year as a Mortgage Broker

What’s the Biggest Lesson? Be Proactive, Not Passive

The mortgage brokers who succeed aren’t the ones waiting for opportunities to land in their lap. They are out there networking, learning, applying, and making things happen.

Getting your first job as a mortgage broker is about building momentum. One small step—whether it’s connecting with an industry contact, applying for a role, or attending a networking event—can open doors you never expected.

If you’re serious about becoming a mortgage broker, don’t sit back and wait. Take action now.