Kirsty Heath
Colchester,Essex
Summary
Adaptable mortgage consultant with nine months of experience in estate agency, specializing in residential purchases, shared ownership, and complex income scenarios. Proficient in product transfers, remortgages, and tailored protection advice through Aviva. Seeks to expand knowledge across the mortgage market to enhance client outcomes. Background in policing provides strong communication, analytical problem-solving, and relationship-building skills, ensuring effective client service in a dynamic financial environment.
Overview
17
17
years of professional experience
5
5
years of post-secondary education
Work history
Mortgage Services Consultant
Connells Group
Sudbury, Suffolk
2025.10 - Current
- Provide mortgage and protection advice to first-time buyers, home movers, remortgage clients, and landlords.
- Conduct comprehensive fact-finds and affordability assessments to recommend suitable mortgage solutions based on clients’ individual needs and circumstances.
- Manage mortgage applications from initial enquiry through to completion, liaising with lenders, solicitors, estate agents, and surveyors to ensure a smooth customer journey.
- Advise clients on remortgages, product transfers and shared ownership schemes.
- Specialise in arranging mortgages for self-employed applicants, including sole traders, partnerships, contractors, and limited company directors with complex income structures.
- Recommend and arrange appropriate protection solutions, including life insurance, critical illness cover, and income protection, ensuring clients and their families are financially protected.
- Advise on and arrange buildings and contents insurance to safeguard clients’ properties and possessions.
- Discuss and arrange will-writing to support clients’ long-term financial security.
- Consistently generate business through estate agency referrals, client recommendations, and proactive relationship management.
- Maintain full compliance with FCA regulations, ensuring suitability, accurate record-keeping, and excellent customer outcomes.
- Deliver exceptional customer service, building strong relationships and achieving high levels of client retention and referral business.
Child Triage Officer
Essex Police
2025.01 - 2026.06
- Safeguarding / Public Protection
- Child and Family Hub
- Triaging all referrals made by officers who come into contact with children at risk within Essex.
- Working alongside the Child Social Workers within the Hub to adopt a joint approach in order to maximise support and reduce risk.
- Making referrals to partner agencies ensuring safeguarding measures are taken, often in time critical situations.
- Attending multi-agency meetings.
Adult Triage Officer
Essex Police
2023.01 - 2025.01
- Safeguarding / Public Protection
- Triaged all referrals made by officers who came into contact with adults within Essex who have care and support needs and who are at risk of harm and abuse.
- Critically assessed the risk based on information provided by officers and partners, to implement multi agency safeguarding actions.
- Working closely with external partners and agencies, attended multi agency strategic meetings to improve delivery of service to victims.
- Managed a high workload and developed strong skills in prioritising work dependant on the risk.
Domestic Abuse Safeguarding Officer
Essex Police
2020.01 - 2023.01
- Safeguarding / Public Protection
- Conducting secondary risk assessments, identifying the risk of harm using a range of sources and often conflicting evidence.
- Being accountable for my decisions whilst writing detailed rationales for my conclusions.
- Implementing safeguarding measures to protect high risk victims of domestic abuse and honour based violence.
- Building rapports with hard to reach victims that had low confidence in police procedures.
Response Officer
Essex Police & Metropolitan Police
2009.01 - 2020.01
- Responded to urgent and non-urgent calls from public.
- Assisted in conflict management and resolution.
- Administered first aid as needed.
- Maintained calm and patience in high-stress situations.
- Demonstrated empathy while handling traumatic events.
- Supported team in interviewing suspects and writing reports.
Education
Certificate in Mortgage Advice and Practice - UK Financial Regulation
The London Institute of Banking & Finance
Bachelor of Arts - Media Studies
East London University
2005.01 - 2008.01
Higher National Diploma - Media Production
Suffolk College
2003.01 - 2005.01
GCSEs - A-C Maths, English, Science
Claydon High School
Skills
- Self-Employed & Complex Income Cases
- Mortgage Application Management
- FCA Compliance & Regulatory Standards
- Client Relationship Management
- Lender Criteria Knowledge & Affordability Assessments
- Case Packaging & Submission
- Pipeline Management
- Excellent Communication Skills
- Problem Solving & Attention to Detail
- Recommend and arrange appropriate protection solutions
- Knowledge in Aviva and Ageas products
- Time Management & Organisation
- Target Driven & Results Focused
- Mortgage Sourcing Systems ( Twenty7tec)
- Safeguarding Expertise
- Training/Teaching
- Change and Improvement
- Team Working
ADDITIONAL
References - If selected, details can be provided on request.
Timeline
Mortgage Services Consultant
Connells Group
2025.10 - Current
Child Triage Officer
Essex Police
2025.01 - 2026.06
Adult Triage Officer
Essex Police
2023.01 - 2025.01
Domestic Abuse Safeguarding Officer
Essex Police
2020.01 - 2023.01
Response Officer
Essex Police & Metropolitan Police
2009.01 - 2020.01
Bachelor of Arts - Media Studies
East London University
2005.01 - 2008.01
Higher National Diploma - Media Production
Suffolk College
2003.01 - 2005.01
Certificate in Mortgage Advice and Practice - UK Financial Regulation
The London Institute of Banking & Finance
GCSEs - A-C Maths, English, Science
Claydon High School