Average Mortgage Underwriter salary in the UK

Location: Fully Remote (Including all training)Type: Full Time, permanentReports to: Underwriting Team ManagerSalary - CompetitiveStart Date - 19th January 2026Are you a experienced mortgage Underwriter looking to make a real impact? We’re on the lookout for motivated professionals to join our dynamic Lending Operations team at Kensington Mortgages.This is more than just a job , it’s a chance to be at the heart of our underwriting function, helping us deliver responsible, specialist lending with integrity. If you're passionate about making a difference and thrive in a fast-paced, purpose-driven environment, we’d love to hear from you.Overall Purpose of JobAs an Underwriter, you’ll be responsible for assessing and approving Residential and Buy-to-Let mortgage applications, ensuring they align with our lending policy, FCA standards, and Treating Customers Fairly (TCF) principles.You’ll be a key player in risk-based decision-making, maintaining top-tier underwriting standards and building strong relationships with brokers.About UsFor over 25 years, Kensington Mortgages has been a pioneer in specialist mortgage solutions, offering hope to customers who may not fit the mould of traditional lending.We call it the Kensington Difference a commitment to understanding each customer’s unique story and providing tailored solutions when others won’t.As a wholly owned subsidiary of Barclays Bank UK PLC, we operate with the highest standards of service and integrity, fully authorised by the Financial Conduct Authority.Key AccountabilitiesUnderwrite and approve mortgage applications within your mandate (200k+), ensuring quality and compliance.Escalate cases outside mandate with clear rationale.Communicate effectively with brokers, providing timely updates and clarity.Support User Acceptance Testing (UAT) phases.Champion TCF and responsible lending principles.Collaborate with the completions team to drive operational efficiency.Uphold our Code of Business Ethics and support financial crime prevention.Stay up to date with HR policies, regulations, and underwriting standards.Meet service level agreements and handle complaints professionally.Contribute to process improvements and ad hoc projects.Experience, Knowledge, SkillsMinimum 3 years experience in Prime and Specialist lending with a minimum mandate of 200k+.Strong communication skills and confidence in broker engagement.Deep understanding of the mortgage intermediary market and FCA permissions.Awareness of organised fraud and risk mitigation controls.A proactive, adaptable mindset with a collaborative spirit.Solid grasp of responsible lending and regulatory frameworks.Experience underwriting residential and buy to let casesDesirable Experience, Knowledge, SkillsExperience with niche Buy-to-Let lending (HMOs, light refurbishments, multi-unit properties).Knowledge of Second Charge lending.CeMAP qualification.Why Join Kensington MortgagesAt Kensington Mortgages, we believe our employees are the heart of our success. We are committed to creating a supportive and flexible work environment that values personal growth, professional development and a healthy work-life balanceOur inclusive culture respects and celebrates diversity in all its forms, ensuring that everyone feels welcome, valued and understood. We recognise and appreciate differences in thinking, learning styles, gender, race, identity, ethnic origins and sexual expression.We are an inclusive, neurodiversity-friendly employer committed to creating a supportive environment where all employees can thriveAt Kensington Mortgages, our people are our greatest asset. We offer:A supportive and flexible work environment.Opportunities for personal growth and professional development.A culture that celebrates diversity, inclusion, and neurodiversity.A workplace where everyone feels valued, respected, and empowered.Ready to make a difference?If you're passionate about providing an exceptional service and want to join a team that values your contributions we'd love to hear from youApply today and be part of the Kensington Mortgages family and help us to continue making a positive impact in the lives of our customers.

We have been awarded the “Most Loved Workplace”! At Metro Bank, people come first – our culture is all about bringing the best out in our colleagues, and making sure everyone feels valued, respected, seen and included. We strongly believe in a diverse and inclusive workplace and to find the very best person for the job, we always look across a wide range of diverse communities. What you will do:Provide Mortgage Lending Decisions for both Residential and Buy to Let mortgages in a timely fashion, avoiding unnecessary documentary requirements, utilising automated valuations and demonstrating effective pipeline management without compromising consistent and fair customer outcome.Manage own pipeline of mortgage applications and ensuring that all notes are clear and concise, driving clearer communication with intermediaries regarding application progress.Avoid unnecessary operational losses by showing strong Attention to Detail and consistency following Metro Bank Mortgage processes.Demonstrate a full understanding of responsible lending and regulatory knowledge applicable to the role. Able to prioritise effectively to manage multiple underwriting functions.Strive to provide the best customer journey on all mortgage applications adopting the mindset to be the biggest player in the specialist mortgage arena through service.Support other colleagues in the wider Mortgage teams where help or guidance is required is required. Support the frontline sales teams in maintaining excellent relationships with their Intermediaries.Uphold the company's Code of Business Ethics and fulfil responsibilities related to the prevention of financial crime, including money laundering, and fraud detection/reporting. And... we are a bank so risk is a part of everything we do. We love people who take responsibility, do the right thing for customers, colleagues and Metro Bank and have the courage to call out any concerns. What you will need: Significant knowledge of both Residential and Buy to Let mortgage lending, with a keen understanding of current mortgage industry trends and regulation.In-depth knowledge of the mortgage intermediary market and understanding of mortgage regulation and legal requirements surrounding mortgage underwriting.Excellent communication skills with the confidence to engage effectively with Business Development Managers and other Mortgage colleagues on application discussions.Astute awareness of organised fraud and the systems and controls in place to mitigate such risksGood use of initiative to deliver more than just the minimum required in each task. CeMAP qualified is preferable. Our promise to you… • We believe in “one in, one up” at Metro Bank, growing our own and promoting from within. That is why we are looking for YOU! An AMAZEING colleague to move into this FANtastic new role!• We will make sure that you are well-rewarded by providing you with a competitive salary, discretionary annual bonus, and a wide range of benefits, including generous holiday allowance, attractive pension scheme, healthcare, life assurance, and a number of colleague discounts! • We will give you the training to ensure you succeed in your role and plenty of internal opportunities to progress your career (around 40% of our recruitment comes from internal promotions!). • We are also all about balance so most of our jobs offer the opportunity for hybrid working built around your role and home life, wherever possible.

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.