We offer hybrid working however, you must be able to travel to our Head Office in Skipton multiple times a week, with flexibility and more presence needed during initial 3 week training period.Salary:£26,000 Per AnnumClosing Date:Fri, 6 Feb 2026
The salary for this role is circa £26,000 per annum dependent on skills and experience
Join our Homes Advice Team – Help make ownership happen!
Big things are happening in our Homes Business – we’re leading the way in helping more people achieve their dream of owning a home. Right now is a pivotal time to join us; we’re creating innovative products, delivering standout services, and fostering a culture of customer obsession that truly puts customers first.
We’re expanding and excited to offer some fantastic opportunities. We’re looking for multiple Direct Lending Advisers who are passionate about delivering exceptional customer service and making a real difference. In this role, you’ll guide our members through the first stage of their mortgage journey – helping turn homeownership into a reality. You’ll carry out affordability checks and provide Decisions in Principle, ensuring a smooth and supportive experience from the start.
If you are seeking an organisation with purpose, where you’ll be at the heart of our customers and mortgage business, we’d love to hear from you. We’re also hiring for Mortgage Advisers, and roles in Credit Management & Customer Contact Teams - depending on your experience and interests, we may have the perfect fit for you.
Who Are We?
Not just another building society. Not just another job.
We're the fourth biggest building society in the UK and what makes us a bit different is that we're a mutual organisation. We don't have shareholders; we're owned by our members.
Our colleagues say Skipton's a great place to work, and you could be one of them, bringing with you new ideas on how we can keep customers at the heart of what we do.
Whatever your background, and whatever your goals, we'll help you take the next step towards a better future.
At Homes Advice, a Direct Lending Adviser plays a crucial role as the first point of contact, assisting customers in achieving homeownership and supporting existing customers with their additional borrowing needs.
Homes Advice provides customers with the opportunity to apply for a mortgage directly through Skipton Building Society. The teams consist of Direct Lending Advisers, Mortgage Relationship Advisers, and Qualified Mortgage Advisers. Together, they work in a collaborative and high-performing environment, closely partnering with key stakeholders to ensure the best possible customer journey.
What’s In It For You?
We have a range of other benefits available to you including;
Annual discretionary bonus scheme
25 days standard annual leave + bank holidays + rising 1 day per year of service to a maximum of 30 days
Holiday trading scheme allowing the ability to buy and sell additional annual leave days
Matching employer pension contribution (up to 10% per annum)
Colleague mortgage (conditions apply)
A commitment to training and development
Private medical insurance for all our colleagues
3 paid volunteering days per annum
Diverse and inclusive colleague networks available for you to join including our Carers and Pride Alliance groups
We care about your health and wellbeing – we provide a range of benefits that support this including cycle to work initiative and discounted gym membership
What Will You Be Doing?
You will be answering a variety of customer inquiries related to their mortgage application, with your main focus being on guiding them through the Decision in Principle (DIP) process.
This includes:
Using curious questioning to understand what the customer is hoping to achieve and cross referencing our lending policy to ensure the mortgage application is viable
Verifying income and expenditure, not only checking basic affordability but also considering any unique circumstances that could impact the lending decision
Completing credit searches and informing customers of how much they could borrow
Where appropriate advocating for them with underwriters, taking a balanced and informed view on cases, and flexing policies where possible, whilst providing sound rationale and necessary approvals
Adopting a ‘customer first’ mindset whilst incorporating commercial thinking ad maximising every opportunity for both the customer and the Society
Ensuring honest and timely outcomes are given when a case cannot be proceeded
After successful Decision in Principles, taking ownership of the customer, supporting them through the next stage in their journey in speaking with a qualified Mortgage Adviser
What Do We Need From You?
Customer centric mindset – we’re looking for people with a passion for delivering an excellent customer journey and outcome
Communication – able to communicate clearly and comprehensively, making complex information easy to understand, and using curious questioning to explore customer needs
Commercial awareness – strong business acumen to identify and maximise business opportunities
Mortgage experience – experience of being involved in a customer’s mortgage journey is essential
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What We Do
Not just another building society. Not just another job. Imagine how good it would feel to help someone choose the mortgage they’ll use to buy their first home. Or the account they’ll use to save for it. We’ve been helping people make big financial decisions since 1853. It’s why over a million customers trust us as a good place for their money, and why our colleagues say we’re a good place to work. The Bailey (our head office) The Bailey is the vibrant hub where you’ll find all our central functions. We’re always looking for new talent because we love hearing new ideas. You can choose from a variety of roles that range from marketing and IT, through to audit, risk, products, digital and more – or maybe you’ll join our lively contact centre team. We’re based in Skipton, just a short train ride from Bradford and Leeds, we’re a stone’s throw from the A65 and have some cracking views of the Yorkshire Dales. Our network of UK branches Our branch colleagues are the face of Skipton Building Society. They’re relationship-builders, team workers, great talkers and they’re brilliant at listening too. Everything they do is designed to help customers make the best financial decisions, whether that’s choosing the right kind of savings account or having a full financial review. The Skipton culture Happy colleagues mean happy customers. So, when we recruit, we don’t just think about what’s in it for us, we think about what’s in it for you. It’s one of the reasons we’ve been recognised as one of The Times Best Companies to Work for the last 6 years. Mind, body and spirit With our colleagues’ support, we’ve created a culture that promotes diversity and inclusion. We understand the rich diversity in our Society, and how harnessing that diversity through effective inclusive practice has profound benefits for individuals, teams and the Society it self. This includes a progressive approach to personal well-being.
