Mortgage Underwriter

Job Title: Lifetime Mortgage Underwriter

Location: London Hybrid 2 days in the office, 3 WFH

Salary: Up to £45,000

Hours: Monday to Friday 9 am to 5.30 pm

Benefits:

• 30 days holiday plus bank holidays
• Salary sacrifice pension scheme
• Employee assistance programme
• Health cash plan
• Growth share
• Professional development and growth opportunities
• Annual discretionary bonus

About the position of Lifetime Mortgage Underwriter:

Join an innovative and fast-growing specialist lender that’s transforming the way mortgages are delivered to people in later life. As part of an expert underwriting team, you’ll play a pivotal role in making high-quality lending decisions that genuinely support customers’ futures.

This is a unique chance to apply your underwriting experience within a forward-thinking, tech-enabled environment where your expertise will be valued, and your voice heard. You’ll work closely with brokers and internal teams to deliver smooth, compliant lending processes while helping shape the future of later-life lending. With strong career development opportunities, a dynamic scale-up culture, and a comprehensive benefits package, this role offers the perfect blend of challenge, impact, and growth.

Responsibilities for the role of Lifetime Mortgage Underwriter:

• Review lifetime mortgage applications against lending policy to make accurate underwriting decisions
• Manage a portfolio of cases from application to completion
• Assess loan documentation, including valuations and credit reports, and request additional information as needed
• Present cases outside mandate to senior underwriters for approval
• Communicate lending decisions clearly and timely to internal teams and brokers
• Collaborate closely with case managers and brokers to ensure efficient case progression
• Ensure full compliance with regulatory requirements and conduct rules
• Support the completion team by responding promptly to solicitors’ queries

Experience and skills required for the role of Lifetime Mortgage Underwriter:

• Proven experience underwriting lifetime mortgage applications
• Ability to present and escalate cases outside of mandate for senior approval
• Effective communication skills for liaising with brokers, internal teams, and other stakeholders
• Track record of ensuring timely and compliant lending decisions
• Experience supporting completion processes and addressing solicitors’ queries promptly

For more information regarding the role of Lifetime Mortgage Underwriter, please contact us

Stellar Select is acting as an employment agency and is a corporate member of the REC.

Due to a high volume of applications, we will only contact you if your application has been successful. We aim to contact all successful contacts within two business days.