CeMAP Certificate in Mortgage Advice (Modules 1, 2 & 3) - Virtual Classroom

This CeMAP course covers all three modules in full, giving you the knowledge and practical understanding you need to qualify as a mortgage adviser in the UK.

CeMAP Module 1: Financial Services Regulation and Ethics (FSRE)

CeMAP Module 1, also referred to as the CeMAP 1 qualification, is the starting point of your CeMAP course. It covers the regulatory framework and ethical standards that underpin mortgage advice in the UK. There are two units in this module.

Unit FRE1: Regulation, Legislation, and Key Parties

• The role and structure of UK financial markets and the role of government
• The responsibilities of the PRA and FCA
• State benefits and HMRC tax credits
• Consumer protection and complaints handling
• Anti-money laundering requirements
• Wills, intestacy, and trusts

Unit FRE2: Advisers, Clients and Ethics

• The mortgage advice process and adviser skills
• Fair treatment of customers and ethical outcomes
• The regulatory advice framework
• Professional behaviours and data protection
• Confidentiality and handling conflicts of interest

CeMAP Module 2: Mortgages (MORT)

CeMAP 2 builds on your CeMAP Module 1 knowledge and takes you into the practical side of mortgage advice. It covers CeMAP mortgage law, products, and the full advice process, including topics relevant to FCA affordability assessments, mortgage product types, buy-to-let, and Help to Buy. There are two units in this module.

Unit MRT1: Mortgage Law, Practice and Application

• Property and mortgage markets
• Mortgage law, property rights, and the conveyancing process
• Mortgage affordability assessments and lending criteria
• Checking applicants' credit status
• Assessing the property: valuations and surveys
• Regulations and the buying process

Unit MRT2: Mortgage Products and Post Completion

• Mortgage repayment methods and interest-rate options
• Types of mortgage products and schemes for specific borrowers
• Raising additional funds from property
• Arrears, debt management, and lenders' legal rights
• Remortgaging and transferring mortgages

Learning outcomes for Module 2:

• Understand the mortgage market and the legal framework underpinning property purchase
• Assess applicant suitability and apply responsible lending principles
• Identify and compare mortgage products appropriate to different client needs
• Manage mortgage cases from application through to post-completion

CeMAP Module 3: Assessment of Mortgage Advice Knowledge (ASSM)

Module 3 is the final assessment stage of CeMAP. Rather than introducing new content, it tests your ability to apply everything you have learned across Modules 1 and 2 in realistic mortgage advice scenarios.

The module is assessed through six case studies, each containing ten multiple-choice questions. Our training prepares you for this format with revision materials and mock assessments that reflect the structure of the real exam.

Learning outcomes for Module 3:

• Apply knowledge from Modules 1 and 2 to practical mortgage scenarios
• Demonstrate sound judgement in client-facing situations
• Consolidate understanding of regulation, mortgage law, and product knowledge

CeMAP Module 3: Assessment of Mortgage Advice Knowledge (ASSM)

CeMAP 3, also known as the CeMAP ASSM, tests your ability to apply everything you have learned across Modules 1 and 2 to realistic mortgage advice scenarios. Rather than testing theory alone, this module assesses your practical judgement and advice skills across a range of client situations. It consists of six case studies, each with ten multiple-choice questions.

Our CeMAP training course is delivered over 10 days via live online sessions. You join scheduled classes led by an experienced mortgage trainer, giving you the structure and support you need to work through all three modules with confidence.

Here is what is included in your course:

• Live scheduled sessions with your trainer: interactive classes where you can ask questions and learn alongside fellow students
• Interactive mock exams and topic tests: practice under exam conditions before sitting your official LIBF assessments
• Printed learning materials sent to your home address: comprehensive hardcopy course materials delivered before your classes start, so you are ready to follow along from day one
• Pre-course digital materials: a study planner and guidance pack sent to you ahead of your first class to help you prepare
• Recorded class playback: all live sessions are recorded so you can watch them back at any time

This CeMAP virtual classroom format gives you the feel of a real learning environment from wherever you are, without the need to travel to a physical classroom. It goes well beyond what a CeMAP e-learning course or self-study option can offer, with expert guidance and peer interaction built in throughout.

Each CeMAP module is assessed through online exams, sat via remote invigilation through LIBF.

CeMAP Exam Registration

You will need to pay a separate registration fee directly to LIBF to gain access to their learning materials on their course site and to sit your exams. Find out more about CeMAP and the registration fee here.

Exam Pass Guarantee

We are confident in the quality of our virtual classroom training, which is why we back it with an exam pass guarantee. If you do not pass your exam after completing this course, you are eligible to retake the same training free of charge.

To qualify for the guarantee, you will need to:

• Attend all class days and complete all assignments
• Take your exam within 30 days of finishing your virtual classroom training
• Submit your request for re-enrolment within 30 days of an unsuccessful exam attempt

Please note that students retaking the course must utilise any materials or books distributed during their initial session. Failure to do so may result in charges for replacement materials.

The Exam Pass Guarantee does not cover exam fees, which must be purchased separately.

A CeMAP mortgage advisor course opens the door to a wide range of roles across the UK financial services industry. After passing your CeMAP exams, you can work at a bank, building society, or independent brokerage.

If you want to set up your own practice, you will first need to achieve Competent Adviser Status (CAS). CAS is granted by a designated supervisor at an FCA-approved firm, someone who has been formally appointed to oversee and sign off on your competence to give regulated mortgage advice without supervision. e-Careers can help connect you with the right firm to support you in achieving CAS. Get in touch with us to find out more.

CeMAP-qualified professionals are in demand across the UK, and the mortgage adviser salary is one of the most competitive entry points in financial services. Here are the roles you can move into and what you can expect to earn (sourced from ONS and Reed):

• Mortgage Adviser: starting salary around £40,000, rising to £75,000 with experience, plus commission potential
• Mortgage Underwriter: average salary around £30,000
• Mortgage Administrator: average salary around £24,000
• Mortgage Sales Manager: average salary around £56,000
• Mortgage Compliance Officer: average salary around £35,000

Whether you are employed by a lender or building society, working from an estate agency mortgage desk, or considering the self-employed route as an independent broker, the CeMAP qualification in the UK gives you the foundation to get started and the credibility to grow.

We want to make sure that cost is never a barrier to getting qualified. Here is how we make this course accessible:

• 0% interest finance: spread the CeMAP course cost with monthly payments at no extra charge, including options for those with a lower credit score.
• All prices include VAT: the price you see is the price you pay
• Flexible payment plans: choose a plan that works for your budget and start learning straight away