Mortgage Underwriter

As a Mortgage Underwriter - BTL Mortgages, you will be responsible for manually underwriting complex Buy-to-Let mortgage applications, including:

• Complex portfolio landlords
• Limited Company / SPV structures
• HMO & Multi-Unit properties
• Complex income assessments
• Adverse credit scenarios
• Higher loan sizes

This is a fully mandated underwriting role where you will assess risk, analyse financials, and make sound lending decisions within policy and appetite.

You will work closely with brokers and internal stakeholders to ensure strong service levels and quality outcomes.

To be considered for this Mortgage Underwriter - BTL Mortgages position, you must have:

• Proven manual BTL underwriting experience
• Strong knowledge of complex Buy-to-Let lending
• Experience underwriting limited company/SPV cases
• Confidence assessing complex income and portfolio exposure
• A proactive and commercially aware approach to risk
• Excellent communication skills

This role is not suited to automated or case-processing underwriters - manual decision-making experience is essential.

• £45,000 basic salary
• Hybrid working (2 days office / 3 days from home)
• Clear progression pathway
• Supportive and collaborative company culture
• Ongoing professional development
• Strong leadership team and stable growth plans

The business has built a reputation for strong internal progression, low staff turnover and a genuinely positive working environment. They invest in their people and promote from within.

If you're an experienced Mortgage Underwriter - BTL Mortgages ready for your next step, apply now for immediate consideration.