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Certificate in Mortgage Advice and Practice (CeMAP®)

Professional Qualifications

Certificate in Mortgage Advice and Practice (CeMAP®)

CeMAP is the industry benchmark qualification for becoming an authorised mortgage adviser. Employers and clients recognise CeMAP as a mark of excellence and professionalism.

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About the qualification

Are you considering working as a mortgage adviser? Complete our CeMAP qualification to become a mortgage adviser in as little as 6 months. We offer flexible online study designed to fit around your life.    

This qualification has three modules which provide you with an extensive knowledge of UK regulated mortgage policy and practice, and how to apply this when giving mortgage advice. The modules offer a clear learning path and can be completed one at a time.

CeMAP is a Level 3 qualification registered with Ofqual in the Regulated Qualifications Framework (RQF). It meets the FCA examination standards for providing advice on mortgage products and is an approved qualification in the mortgage advice apprenticeship standards.

Your studies will cover

  • The purpose and structure of the UK financial services industry
  • The Financial Conduct Authority (FCA) main aims, activities and relevant Conduct of Business rules
  • The house-buying process and parties involved
  • The different types of customers and mortgages
  • Assessment of affordability and suitability of different mortgage options and associated products

Benefits for you

  • On demand registration and exams
  • Study at your own pace
  • Book your exam date when you are ready at one of the 150 Pearson VUE test centres
  • Access your exam results the same day
  • You can use the ‘CeMAP’ designation after your name once you qualify
  • A range of additional study support options are available  
Registration fee £180 per module (£540 for 3 modules)
Qualification schedule Register at any time
Modules 3 modules covering 7 units
Recommended study hours 230 study hours are recommended to complete all three modules 
Validity The qualification is valid in the UK
Study type Self-study, distance learning
Study material

Study texts are provided online and in hard copy for modules 1 and 2. Module 3 does not have a study text, however, an information booklet and a free synoptic paper available on the course website to help you.

You will also get access to: a student-led discussion forum, study tip videos, a weekly study planner and syllabus updates.
Study support Additional study support is available to purchase at any time: CeMAP 2 Module Support, CeMAP Revision Tool (CRT), Specimen Papers (paper copy) & Ask The Experts (online tutor support)
Assessment type 2-hour multiple choice exam per module
Assessment provider Pearson VUE test centres nationwide
Certificate
Your certificate will be posted to you once all three modules are successfully completed








Read our selection of CeMAP blogs for insights about the qualification.

Modules

CeMAP consists of seven compulsory units contained within three modules. You can register for any number of modules at a time. You will have 12 months to complete each module and sit the exam.

  • Module 1: UK Financial Regulation (UKFR)
  • Module 2: Mortgages (MORT)
  • Module 3: Assessment of Mortgage Advice Knowledge (ASSM)

Module 1 - UK Financial Regulation (UKFR)

    Unit 1 - Introduction to Financial Services Environment and Products (L/501/8715)
    Unit 2 - UK Financial Services and Regulation  (R/501/8716)

The financial services environment, an introduction to the main financial services products and the interplay between regulation and legislation.

Module 2 - Mortgages (MORT)

    Unit 3 - Mortgage Law, Policy, Practice and Markets  (Y/501/8717)
    Unit 4 - Mortgage Applications (D/501/8718)
    Unit 5 - Mortgage Payment Methods and Products (H/501/8719)
    Unit 6 - Mortgage Arrears and Post Completion Issues (Y/501/8720)

The procedures, processes and legislation relating to mortgage applications and purchasing a property. The types of products and issues borrowers may face after a mortgage has been completed.

Module 3 - Assessment of Mortgage Advice Knowledge (ASSM)

    Unit 7 - Assessment of Mortgage Advice Knowledge (D/501/8721)

Consolidation of the knowledge acquired in modules 1 & 2 and application of this to case study scenarios.

CPQ Blue Testimonial
I was a Banking Consultant with a large retail bank. I studied mainly in the evenings and broke the studying down into sections. At the end of each section I would use the CRT to test my understanding of the material, the CRT was the biggest influence on my learning. I was able to pass CeMAP in just over three months in time to start my new job. Chris Carson -Mortgage & Protection Adviser, Bank of Scotland

Studying

Study texts for modules 1 (UK Financial Regulation) and 2 (Mortgages) are included in your registration fee. Online study texts will be made available immediately after payment and we aim to send a hard copy of your study texts by post within 5 working days of receiving your registration fees.

At the end of each topic, the study text contains review questions and activities to support your learning.

There is no study text for module 3 (Assessment of Mortgage Advice Knowledge) because in this module students put their understanding of modules 1 and 2 into practice through case studies. There will be, however, an information booklet and a free synoptic paper available on the course website to help you.

We recommend the module study hours are:

  • Module 1 (UKFR) 90 study hours
  • Module 2 (MORT) 120 study hours
  • Module 3 (ASSM) 20 study hours

The following online materials are also included in your registration fee and are available immediately after registration:

  • Student-led discussion forum
  • Study tips videos
  • Weekly study planner
  • Syllabus updates

Additional study support

We offer a collection of extra CeMAP study support options to guide you through your studies. These will help you build confidence in the knowledge you have gained.

These are additional to the study texts and materials included in the qualification registration fees. You can purchase these when you register or later via your MyLIBF account, our student portal.

  • CeMAP 2 Module Support £90
  • CeMAP Revision Tool (CRT)
    • Module 1 (UKFR) £115
    • Module 2 (MORT) £85
    • Module 3 (ASSM) £85
    • All modules £230
  • Specimen Papers (paper copy) £26 per paper
  • Ask The Experts (online tutor support) £25 for 3 months

Find out more

Assessment

Each module is assessed through a 2-hour objective exam.

    Module 1 - UKFR
    50 multiple-choice questions per unit
    Module 2 - MORT
    25 multiple-choice questions per unit
    Module 3 - ASSM
    6 case studies with 10 linked multiple-choice questions

The exams can be taken at a time and location of your choice at over 150 Pearson VUE test centres nationwide with same day results.

You will have 12 months to complete each module and sit the exam. Your first exam is included in the registration fee for each module. If you wish to retake an exam you will need to pay a resit fee.

Once all three modules are successfully completed, we will post your qualification certificate to you. 


Find out how to book your exam here

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External CeMAP training courses

Some students prefer a qualification route with extra learning support. We have recognised a select number of CeMAP training course providers offering to help support your learning and understanding of the concepts and materials.

CeMAP training courses are optional and do not include our CeMAP qualification registration fee. You will still need to register and complete the CeMAP qualification through us, as we are the only provider who can award CeMAP.

Find out more

Frequently Asked Questions

Your registration fee includes the qualification study materials, and the first sitting of your exam. You will also gain access to MyLIBF (our student portal).

If you need to resit your exam, you will need to register and pay for a resit.

We aim to send a hardcopy of your study text within 5 working days of receiving your registration fees. It will be delivered by courier and, in all cases, requires a signature. If it has not arrived within four weeks, you should let us know.

There is no study text for CeMAP module 3 (Assessment of Mortgage Advice Knowledge) because in this module students put their understanding of modules 1 (UK Financial Regulation) and 2 (Mortgages) into practice through case studies. There will be, however, a free synoptic paper available and information about the exam format on the course website.

Some students prefer a qualification route with extra learning support. We have recognised a select number of CeMAP® training course providers offering to help support your learning and understanding of the concepts and materials.

Training courses are optional and the majority do not include our CeMAP® qualification registration fee. You will still need to register and complete the CeMAP® qualification through us, as we are the only provider who can award CeMAP®.

Our registration fees include the study material that you will need to complete CeMAP® as well as the first exam fees.

Find out more

In line with our charitable objectives, we make means-tested bursaries available to students studying our qualifications.

Bursary information

If you would like to apply for a bursary, please email our Student and Customer Services team or call them on +44 (0)12 2781 8609. Please ensure that you have details of the qualification you intend to study when contacting us.

Scotland has different rules regarding a number of financial factors including the home ownership process. For students practising in Scotland we recommend the Scottish CeMAP®, however both versions of the qualification are valid throughout the UK.

The English/Welsh and Scottish versions of CeMAP® use the same study materials and information. Study texts specific to Scotland are marked with the Scottish flag. In the exam, students registered for the English/Welsh version will be tested on all of the content in their study texts apart from specific information related to Scotland. Whereas, students registered for the Scottish version will also be tested on the specific information related to Scotland.

CeMAP® is a licence to practise qualification that meets the Financial Conduct Authority’s examination standards. This does not allow you to practise outside of the United Kingdom.

Although our membership offers a range of additional benefits, it is not compulsory when studying CeMAP®.

Find out more about membership

Recognition of Prior Learning (RPL):
Recognition of Prior Learning (RPL) encompasses a student’s previous non-certificated and certificated achievements obtained through another awarding organisation. This has previously been known as an exemption.

Please read our Recognition of Prior Learning Policy as it explains the steps to take when applying. Your application will need to include certified copies of your qualification certificate or transcript.

We aim to provide an outcome within 10 working days. If we need longer, we will let you know.

Special consideration:
The Special Consideration Policy applies to students who believe they have been disadvantaged during, or before, an assessment because of an injury, illness or other unforeseen temporary circumstance beyond their control that may have adversely affected their performance in one or more assessments.

Please read our Special Consideration Policy as it explains the steps to take when applying. Your application will need to include supporting documentation.

Given the individual nature of special consideration claims, we would recommend that you contact our Student Support team on +44 (0)1227 818609 or support@libf.ac.uk for an informal discussion before you submit your application.

For your claim to be considered, you must have initially notified us of your circumstances on or before the submission deadline for coursework or within five days of the exam date. Any applications made outside of this timescale must include an explanation as to why the delay has occurred.

We aim to provide an outcome within 5-10 working days. It may take longer if your application is referred to the Concessionary Board.

Reasonable adjustment:
We are committed to providing an inclusive educational experience for all students, regardless of any disabilities or learning difficulties they may have and realise that, without reasonable adjustment, students may be prevented from demonstrating their true level of ability during an assessment.

Given the individual nature of reasonable adjustments, we recommend that you contact our Student Support team on +44 (0)1227 818609 or support@libf.ac.uk for an informal discussion before you submit your request. This will allow us to fully understand the nature of your circumstances and advise you on the type of supporting evidence required.

The Reasonable Adjustments Policy explains the steps to take when applying and has an application form included. Your application must be received, with supporting documentation, at least six weeks prior to the date when the adjustment will need to be in place.

You have 14 calendar days from your course start date to cancel your registration and arrange a refund by calling our Student and Customer Services team. You will need to return any hard copy study texts in its original condition.

After this period all fees are non-refundable and non-transferable.

If you have booked your exam with Pearson VUE (and are within the cancellation period), you will need to contact them directly at least 24 hours prior to the exam date to cancel it. Then allow at least two hours before calling our Student and Customer Services team to cancel the qualification registration and arrange a refund.

Contact Pearson VUE on +44 (0) 370 608 1915 (Europe, Middle East, Africa region).

Your first exam sitting is included in the registration fee. To book your exam contact Pearson VUE on 0370 608 1915 or via their website. Login details for their site will be available via MyLIBF.

Multiple choice exams sat at Pearson VUE venues:
Before your registration expiry date you can change your exam date, time or venue, subject to availability. You will need to contact Pearson VUE directly, giving a minimum of 24 hours' notice.

Contact them on +44 (0) 370 608 1915 (Europe, Middle East, Africa region).

Your result will be printed and handed to you by the invigilator at the test centre once you have left the room. This notification will show whether you have passed the assessment and will also be available in the ‘Assessment details & results’ section on MyLIBF approximately two hours after the exam.

We will email information about your certificate a few days after you receive your final pass result. Certificates will be sent within 30 working days of successful completion of the three CeMAP® modules.

Once your result is showing on your MyLIBF account, you can register your resit online or by calling the Student and Customer Services Team. Two hours' after registration you can contact Pearson VUE by phone or via their website to book your exam.

Making a result enquiry:
If you believe there has been an error in the marking of your assessment, you can apply for a result enquiry.

The Assessment Result Enquiry Policy explains the steps to take when applying and has an application form included. Your application must be received within 10 working days after we have communicated your assessment results.

This policy does not apply to students who believe their performance during an assessment may have been affected by external factors, for example noise, illness or unforeseen circumstances. These cases are dealt with under our Special Consideration Policy.

Appealing a decision:
You have the right to appeal to us to review decisions that have been made in the course of the assessment of your programme of learning. An appeal may only be submitted in relation to a final decision.

Please read our Appeals Policy as it explains the steps to take when applying, in particular section B 'making an appeal'. Your application must be received within 15 working days after we have communicated the outcome of a decision.

Making a complaint:
A complaint should be made if you are dissatisfied by one of our products or services as soon as possible, but no later than 10 working days from the date of the occurrence.

We deal with all complaints as promptly as possible and within clearly defined timescales. The stages for handling a complaint are listed in our CPQ Complaints Policy.

Has your question been answered?

If you have any questions or need advice please fill out the form or call +44 (0)12 2781 8609.

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