Mortgage Policy Adviser, Retail Banking

6 months ago

London, United Kingdom Financial Conduct Authority Full time

Salary:
National £40,600 - £50,100

London £44,900 - £55,700

Join the team that is passionate about making a real difference to the lives of consumers

The Retail Banking Directorate is responsible for the supervision of and policy work in the retail banking sector in the UK including the largest and most complex retail banking groups. We use a range of supervisory and policy tools to ensure retail banking firms prevent harm to consumers, promote market integrity and support competition in the interests of consumers. Our division deals with complex problems in the retail banking sector covering a range of products including current accounts, savings and mortgages, all of which impact the financial lives of millions of UK consumers.

Within this division, the Mortgage Policy Team leads on policy analysis and development for the regulated mortgage and home finance markets. Most recently this has involved our Policy Statement (PS23/8) which made changes to our Handbook to enable the implementation of the Government’s Mortgage Charter and consulting (CP 23/13) on strengthening protections for borrowers in financial difficulty.

If you’re looking to build on your experience in regulatory policy, we are looking for a Mortgage Policy Adviser with good analytical and organisational skills and drafting abilities.

What you will be doing
- Opportunity to make a material contribution to the delivery of the FCA’s policy approach to mortgages, working on high-profile, often fast-paced projects affecting millions of retail customers
- Involvement in a variety of projects, including our cost of living response.

In delivering our workstreams, the role involves:

- Supporting on our investigation of key policy issues
- Identifying potential consumer harms and supporting the development of strategies to remedy these
- Understanding and interpreting market developments (e.g. interest rates)
- Coordinating and being involved with our engagement with internal and external stakeholders (e.g. HM Treasury, Prudential Regulation Authority, industry bodies)
- Supporting our Legal Division on drafting (Handbook) rules and/or guidance
- Working closely with colleagues from across the organisation, including the Legal Division, Economics, Communications, Press Office, and Supervisors

What will you get from the role?
- Play a key role in shaping and influencing strategy and policy making in the mortgage and home finance sectors
- Learn and develop a deep understanding of the mortgage and home finance regulation and relevant legislation and how it applies to authorised firms
- Exposure and interaction with a wide range of internal and external stakeholders
- Working in a fast-paced and supportive environment with a team of people who want to deliver the same excellence you do

Our competitive flexible benefits scheme gives you the opportunity to create a personalised benefits package, tailored to suit your lifecycle. You can use this allowance to purchase additional benefits such as dental or cycle to work or you have the option top up your base salary by taking this as cash.

Core benefits that you will receive as standard are:

- 25 days holiday per year plus bank holidays
- Private healthcare with Bupa
- A non-contributory Pension of at least 8% of basic salary each month (there are several contribution levels that increase depending on your age - up to 12% a month once you reach age 35)
- Life assurance of eight times your basic salary
- Income protection

We support hybrid working which means you will be able to work from home up to 60% of the time over a month with the remainder of your time in one of our three office locations.

The skills and experience you will have

Minimum:

- Experience in policy and/or mortgage sector
- Good written communication skills

Essential:

- Excellent organisational skills and an ability to prioritise work efficiently and effectively
- Ability to access large amounts of information, and identifying and presenting relevant issues into concise points
- Ability to clearly articulate and present information to share knowledge and insight
- Ability to work constructively and collaboratively with others and to deliver outcomes to agreed standards and meet tight deadlines
- Good verbal communication and presentation skills and effective in decision making
- Ability to build effective relationships with a range of stakeholders
- Understanding of the UK’s mortgage market, and the implications of the wider economic environment and the role of the FCA

About the FCA

The FCA regulates the conduct of 50,000 firms in the UK to ensure our financial markets are honest, fair and competitive. We do this to make sure markets work well for individuals, businesses and the economy as a whole. For more information on what we do, our three-year strategy can be found

here.

The FCA's Values & Diversity

Our ambition is to cultivate a culture of inclusion for all employees that respects their individual st

  • Mortgage Policy Manager

    1 month ago

    London, United Kingdom Ultimate Banking Full time

    Mortgage Policy Manager Our client is a member funded association which acts as the voice of the UK banking and finance sector. 300 firms across the industry they act to enhance competitiveness, support customers and facilitate innovation. They work for and on behalf of their members to promote a safe, transparent and innovative banking and finance...

  • Mortgage Policy Manager

    2 months ago

    London, United Kingdom Ultimate Banking Full time

    Mortgage Policy ManagerCity of LondonDependent on experience + benefitsMat cover – until Jan 2026Introduction:Our client is a member funded association which acts as the voice of the UK banking and finance sector. Representing circa. 300 firms across the industry they act to enhance competitiveness, support customers and facilitate innovation. They work...

  • Mortgage Policy Manager

    4 weeks ago

    City of London, Greater London, United Kingdom Ultimate Banking Full time

    Mortgage Policy Manager City of London Dependent on experience + benefits Mat cover – until Jan 2026 Introduction: Our client is a member funded association which acts as the voice of the UK banking and finance sector. Representing circa. 300 firms across the industry they act to enhance competitiveness, support customers and facilitate innovation....

  • Mortgage Policy Lead

    4 weeks ago

    City Of London, United Kingdom Ultimate Banking Full time

    Mortgage Policy Manager RoleOur client is a leading voice in the UK banking and finance sector, representing over 300 firms to enhance competitiveness, support customers, and facilitate innovation.The Mortgage Policy Manager will lead on policy and advocacy work in the following areas:Mortgage Conduct Regulation, including consumer duty and...

  • Senior Mortgage Policy Specialist

    3 weeks ago

    London, Greater London, United Kingdom Ultimate Banking Ltd Full time

    Mortgage Policy Manager Role at Ultimate Banking LtdThe Mortgage Policy Manager will lead on policy and advocacy work relating to Mortgage Conduct Regulation, including consumer duty and vulnerability, for Ultimate Banking Ltd.Main Responsibilities:Engage with government schemes and interventions to support housing market access and affordability, including...

  • Mortgage Policy Manager

    4 weeks ago

    City Of London, United Kingdom Ultimate Banking Full time

    Mortgage Policy ManagerCity of LondonDependent on experience + benefitsMat cover – until Jan 2026Introduction:Our client is a member funded association which acts as the voice of the UK banking and finance sector. Representing circa. 300 firms across the industry they act to enhance competitiveness, support customers and facilitate innovation. They work...

  • Mortgage Policy Manager

    4 weeks ago

    City of London, United Kingdom Ultimate Banking Full time

    Job Description Mortgage Policy Manager City of London Dependent on experience + benefits Mat cover – until Jan 2026 Introduction: Our client is a member funded association which acts as the voice of the UK banking and finance sector. Representing circa. 300 firms across the industry they act to enhance competitiveness, support customers and facilitate...

  • Mortgage Policy Manager

    2 months ago

    City Of London, United Kingdom Ultimate Banking Full time

    Mortgage Policy ManagerCity of LondonDependent on experience + benefitsMat cover – until Jan 2026Introduction:Our client is a member funded association which acts as the voice of the UK banking and finance sector. Representing circa. 300 firms across the industry they act to enhance competitiveness, support customers and facilitate innovation. They work...

  • Mortgage Policy Manager

    2 months ago

    City Of London, UK, Central London, United Kingdom Ultimate Banking Full time

    Mortgage Policy ManagerCity of LondonDependent on experience + benefitsMat cover – until Jan 2026Introduction:Our client is a member funded association which acts as the voice of the UK banking and finance sector. Representing circa. 300 firms across the industry they act to enhance competitiveness, support customers and facilitate innovation. They work...

  • Compliance Manager

    3 weeks ago

    London, Greater London, United Kingdom Barclay Simpson Full time

    Compliance Manager – Mortgages, Retail BankingMortgage and Retail Banking Compliance is a key area of focus for our client, a growing Retail Bank. A new opportunity has arisen within the 2nd Line Compliance team.This role is ideal for those with a good understanding of FCA regulations surrounding Mortgages and Retail Banking, seeking to advance their...

  • Mortgage Adviser

    1 month ago

    City of London, United Kingdom CV-Library Full time

    Mortgage Adviser required. My client is a firm of independent Mortgage & Insurance advisers based in the Aylesbury area. Due to recent growth, they are seeking a self-employed mortgage adviser to join their welcoming and friendly team. My client is a directly authorised, whole-of-market mortgage and protection firm based in Aylesbury, and has been helping a...

  • Mortgage Adviser

    16 hours ago

    City of London, United Kingdom Bennett and Game Recruitment LTD Full time

    Mortgage Adviser required. My client is a firm of independent Mortgage & Insurance advisers based in the Aylesbury area. Due to recent growth, they are seeking a self-employed mortgage adviser to join their welcoming and friendly team. My client is a directly authorised, whole-of-market mortgage and protection firm based in Aylesbury, and has been helping a...

  • Mortgage Adviser

    3 weeks ago

    london (city of london), United Kingdom Bennett and Game Recruitment LTD Full time

    Mortgage Adviser required. My client is a firm of independent Mortgage & Insurance advisers based in the Aylesbury area. Due to recent growth, they are seeking a self-employed mortgage adviser to join their welcoming and friendly team.My client is a directly authorised, whole-of-market mortgage and protection firm based in Aylesbury, and has been helping a...

  • Mortgage Adviser

    4 weeks ago

    City of London, Greater London, United Kingdom Bennett and Game Recruitment LTD Full time

    Mortgage Adviser required. My client is a firm of independent Mortgage & Insurance advisers based in the Aylesbury area. Due to recent growth, they are seeking a self-employed mortgage adviser to join their welcoming and friendly team. My client is a directly authorised, whole-of-market mortgage and protection firm based in Aylesbury, and has been helping...

  • Mortgage Adviser

    4 weeks ago

    London, United Kingdom Bennett and Game Recruitment LTD Full time

    Mortgage Adviser required. My client is a firm of independent Mortgage & Insurance advisers based in the Aylesbury area. Due to recent growth, they are seeking a self-employed mortgage adviser to join their welcoming and friendly team.My client is a directly authorised, whole-of-market mortgage and protection firm based in Aylesbury, and has been helping a...

  • Mortgage Adviser

    6 months ago

    London, United Kingdom Lockhart Murphy Full time

    **Lockhart Murphy** - Lockhart Murphy prides itself on being a diverse, knowledgeable and Transparent Practice._ - As a leading mortgage brokerage, we aim to simplify the UK home buying process And make it as stress free as possible for everyone._ - Our Mission is to improve the lives and Financial security of our clients._ **Job Title: Self-Employed...

  • Mortgage Adviser

    4 weeks ago

    City of London, United Kingdom Bennett and Game Recruitment LTD Full time

    Mortgage Adviser required. My client is a firm of independent Mortgage & Insurance advisers based in the Aylesbury area. Due to recent growth, they are seeking a self-employed mortgage adviser to join their welcoming and friendly team. My client is a directly authorised, whole-of-market mortgage and protection firm based in Aylesbury, and has been helping a...

  • Mortgage Adviser

    4 weeks ago

    City of London, United Kingdom Bennett and Game Recruitment LTD Full time

    Mortgage Adviser required. My client is a firm of independent Mortgage & Insurance advisers based in the Aylesbury area. Due to recent growth, they are seeking a self-employed mortgage adviser to join their welcoming and friendly team.My client is a directly authorised, whole-of-market mortgage and protection firm based in Aylesbury, and has been helping a...

  • Mortgage Adviser

    7 months ago

    London, United Kingdom HSBC Full time

    -Job description If you’re looking for a career that will help you stand out, join HSBC and fulfil your potential. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further. Our Wealth and Personal Banking business supports millions...

  • Mortgage Underwriter Specialist

    7 days ago

    London, Greater London, United Kingdom Ultimate Banking Full time

    Ultimate Banking seeks a dedicated and experienced Underwriter to join their mortgage lending team.About the RoleThe successful candidate will be responsible for underwriting, reviewing, and approving mortgage applications within an agreed mandate level, ensuring that mortgages are originated within the business risk appetite and in accordance with...