Average Mortgage Underwriter salary in the UK

Mortgage UnderwriterLondon-based (Hybrid)£60,000 – £70,000 basic salaryWe’re working with a rapidly growing mortgage lender that’s rethinking how the Prime residential market should be served. This is a rare opportunity to join a close-knit, values-led team where your experience will be respected, your voice will be heard, and your career genuinely supported.What you’ll be doing:As a Mortgage Underwriter, you’ll be assessing and making decisions on Prime residential mortgage applications with autonomy and precision. You’ll be part of a high-performing underwriting team – but also play a wider role in the business, contributing to team discussions, product feedback, and continuous improvements.What we’re looking for:At least 3 years of experience underwriting in the Prime mortgage marketConfident decision-maker with a deep understanding of income, credit, and property risk in Prime resi lendingSomeone who enjoys being part of a collaborative, people-first teamComfortable working at pace and being proactive in shaping how things are doneWhy this opportunity?This lender is scaling fast, backed by brilliant leadership, and fully committed to doing things differently – from culture to tech. Everyone plays a meaningful role here, and with growth comes real opportunity for development and progression.

Mortgage Underwriter – Bletchley (Hybrid Working)We are pleased to be working with one of the leading specialist lenders in the Specialist Mortgage industry, recruiting for a Hybrid Mortgage Underwriter. This is an excellent opportunity for someone with a solid background within Specialist Mortgage Underwriting who is looking to build a long-term career with a company that genuinely values their staff, promotes from within, and are making waves in the industry.This Mortgage Underwriter role offers hybrid working, with 2 days per week in the Bletchley office and the remaining days working from home. We are looking for someone with experience within the Specialist Lending sector, specifically within complex residential lending, adverse credit, complex properties and looking for reasons to lend. This is a fantastic opportunity to develop your skills within a supportive, professional environment, and become a part of the go-to lender for complex cases.The Role – Mortgage Underwriter As a Mortgage Underwriter, you will play a key role in supporting the business with the delivery of their loan book target. You will have autonomy to make lending decisions and work closely with the wider team to ensure that the correct customer outcomes are realised. Key responsibilities include:To process & underwrite new loans in line with credit policy and underwriting procedures and processes. To participate and contribute to ongoing business improvement activity. Deliver a first-class proactive customer service through inbound and outbound communication by telephone, email and the case portal to all case stakeholders Possess a thorough understanding of the products offered by the business, its lending strategy, credit risk policies, and processes. To assess borrower creditworthiness and underwrite new mortgage applications from initial receipt through to completion. Ensuring a high level of accuracy of data entry and ongoing record keeping. This Mortgage Underwriter position is ideal for someone who understands the complexities of specialist lending, has experience with manual underwriting, and wants to be part of a team that are making a huge name within the Specialist Mortgage space. What We’re Looking ForPrevious experience within the Specialist Mortgage Underwriter spaceFamiliar with credit risk, affordability, and compliance Proficient with using CRM systems and mortgage related platforms Motivated, ethical, and calm under pressure Experience with an element of post offer queries Strong organisational and communication skillsAbility to work independently and as part of a teamA proactive and positive attitudeDesire to grow and progress within the companySalary & BenefitsBasic salary up to £50,000 (depending on experience)Hybrid working: 2 days in Bletchley, 3 days from homeClear progression opportunities Private health insurance for you and your family Employer backed Pension contributions Annual bonus scheme Life insurance of 4x salary 33 days paid annual leave including Christmas shutdown Supportive management and a genuinely great company cultureWhy Join Us?This is more than just a Mortgage Underwriter role — it’s a long-term career opportunity. Our business is growing, our team is valued, and progression is encouraged at every level. If you’re looking for a Mortgage Underwriter position and feel like this could motivate your Monday Mornings- we want to hear from you! Apply today and take the next step in your career.

An excellent opportunity has become available for Underwriters to join a global financial services provider. The job is available on either a hybrid basis (please note that initial training in the office is expected as is 1-2 days a month for team building purposes and attendance when business needs arise).They are flexible in terms of experience The salary range is very broad (ranging between £30k and £48k) and is dependent on the level of experience and mandates.Key responsibilities include:Handle dealer enquiries professionally via phone and email.Support the conversion of declined finance applications into acceptable proposals within risk guidelines.Manage deferred applications by following up promptly and thoroughly.Assess referred finance proposals within delegated authority; escalate when needed.Interpret financial statements to make informed credit decisions.Investigate CIFAS alerts diligently and escalate potential fraud cases.Proactively flag operational issues and suggest practical solutions.Meet departmental KPIs and service standards.Collaborate across departments to support operational goals.Contribute flexibly to team tasks as required.Maintain compliance with internal policies, industry standards, and relevant legislation (e.g., Consumer Credit Act, Money Laundering, Data Protection).Actively safeguard the business against fraud and financial risk.To be considered for this role, you must have:Asset underwriting experience is preferred, however candidates with Banking Underwriting, including Mortgages will also be considered.A keen eye for detailStrong communication skillsA pro-active attitudeThe ability to work well in a team and independentlyBe a forward-thinking problem solverThe successful candidates will be rewarded with a competitive salary, excellent career progression and potential bonus.