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Membership

Certified Mortgage Adviser

If you're a Member of The London Institute of Banking & Finance (MLIBF) – and actively advising on mortgages or equity release – you’re eligible for Certified Mortgage Adviser status.

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What is it?

Certified Mortgage Adviser (CMA) is a new status available – free of charge – to our members in the mortgage advice industry. CMA status will help you stand out from your peers, whether that's:

  • on the Financial Conduct Authority (FCA) Register, because your membership has been included
  • on your website, email signature and social media, where you can display your digital badge.

Who can apply?

You are eligible for CMA status if you:

  • hold an appropriate LIBF qualification to advise on mortgages or equity release
  • are actively advising clients, with appropriate permission showing on the FCA Register, and
  • are a member of LIBF.

If you're not currently an MLIBF, you can apply for membership through the homepage on your MyLIBF account. Membership brings other benefits for an annual fee of only £82 a year.

How does it work?

We continually search our records to find members who meet the above requirements. If you hold CeMAP or CeRER – and are a member with active mortgage adviser permissions on the FCA Register – we’ll contact you to let you know you’ve achieved Certified Mortgage Adviser status.

You’ll be invited to download a digital badge to display your CMA achievement. This – along with being able to use the MLIBF designation after your name – will mark you out as an accomplished professional.

Your CMA will last until it’s time to renew your membership and will then be reviewed. You will be invited to renew your membership and retain CMA status before your membership expiry date.

CMA is only available to those who appear on the FCA register as “giving regulated mortgage advice” at the point of application. We will recheck this status when we renew your CMA.

If you’re not currently advising but are looking to win recognition for professional development, why not consider CeMAP Professional?

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Frequently asked question (FAQ)

If you’re currently a member, your CMA will last until it’s time to renew your membership and will be reviewed then.

If you are applying for new membership it will last for 12 months. You will be invited to renew your membership and retain CMA status before your membership expiry date.

CMA is only available to those who appear on the FCA register as “giving regulated mortgage advice” at the point of application. We check this status when we renew your CMA.

If you’re not advising but are looking to win recognition for professional development, why not consider CeMAP Professional.

CPD isn’t a regulatory requirement for mortgage advisers and not required for CMA, so you don’t have to inform us of any CPD you carry out.

However, we’d always encourage you to ensure your knowledge is completely up to date and check whether your employer has a CPD scheme they wish you to follow.

If you’re an MLIBF, listed as currently giving regulated mortgage advice on the FCA Register, we will issue CMA free as part of your membership package. There is no additional cost.

Because we check the FCA Register when you apply for CMA or apply for renewal. We need to see whether you’re certified to give advice on regulated mortgages.

You will need to ask whoever populates the FCA register in your company or firm to do this for you.

Your credentials come in digital form – we call it a ‘digital badge’. We use a third party called Credly to help deliver these.  There is no paper or pdf certificate.

Your details will appear in our Professional Services Register where anyone can check your credentials with us. You can opt out of this if you want to.

Yes, please use it to keep your own record of CPD. The log can store your CPD certificates or any other documents safely and you can download a pdf copy of the log any time.

You will need to cease using the CMA status – you will notice that your digital badge shows up as expired when anyone clicks through it on your social media or email sign-offs.

You should also notify your firm that any membership they have added to the FCA Register needs to be removed.

You don’t have to be a member of LIBF to use our products and services. But we can’t offer Certified Mortgage Adviser to non-members or those whose membership has expired.

However, if you’ve been CeMAP qualified for 12 months or more, you can still earn CeMAP Professional status. 

If you’re an active mortgage adviser, your listing on the FCA Register will include your LIBF membership and your Certified Mortgage Adviser status. This, along with your digital badge – and being able to use the MLIBF designation after your name – will mark you out as an accomplished professional.

You’ll also have access to:

  • an online CPD logging tool
  • discounted products and services
  • Financial World magazine and membership newsletters, and
  • member-exclusive events.

Yes. If you become a member of LIBF and are listed as a mortgage adviser on the FCA Register you will qualify for CMA.  You can cancel the CeMAP Professional if you wish but there wouldn’t be any refund on the fee as CeMAP Pro offers many benefits membership does not.