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Certificate in Mortgage Advice and Practice (CeMAP)

Professional qualifications

Certificate in Mortgage Advice and Practice (CeMAP)

Become a recognised mortgage adviser with the CeMAP qualification.


About the qualification

Would you like to be a mortgage adviser?

Study CeMAP online, and fit your learning around your life and work. CeMAP is the starting point for mortgage advisers and – as the industry-standard qualification – will help you launch your new career.

In three modules, you'll explore the regulations that govern the UK mortgage sector and the factors that affect a customer's personal financial plans. This will equip you with the expertise you need to give mortgage advice.

Your studies will cover

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

Benefits for you

  • Qualify in 12 months
  • Online study that fits around your life
  • Access to research tools and industry analysis through KnowledgeBank
  • Use the ‘CeMAP’ designation after your name once you qualify
  • Student membership with additional benefits
  • Register CeMAP Professional only a year after holding CeMAP
Registration fee £185 per module (£555 for 3 modules)
When to apply? You can apply for CeMAP throughout the year
Number of modules       Three
Average time to complete 12 months           
Study type Self-study, distance learning
Study material Study texts are provided online and in hard copy for Modules 1 and 2. Module 3 doesn’t have a study text, but you’ll find an information booklet and a free synoptic paper on the course website. You’ll also get access to:
  • a student-led discussion forum
  • study tip videos
  • a weekly study planner
  • a tax table
  • syllabus updates.

Additional study support  You can purchase extra study support materials at any time, including:
  • CeMAP 2 Module Support
  • CeMAP Revision Tool (CRT)
  • Specimen digital exams - available online via MyLIBF
  • 'Ask the Experts' online tutor support.
 Assessment type  Two-hour multiple choice exam per unit
 Assessment provider Pearson VUE test centres nationwide
 Regulation Registered with Ofqual in the Regulated Qualifications Framework (RQF). 
Meets the Financial Conduct Authority's (FCA) examination standards.
A mandated qualification in the Mortgage Adviser Apprenticeship Standard.

Get up-to-date information relating to Coronavirus.

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


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
    Unit 2 - UK Financial Services and Regulation

This module will teach you how legislation and regulation interact.

Module 2 - Mortgages (MORT)

    Unit 3 - Mortgage Law, Policy, Practice and Markets      
    Unit 4 - Mortgage Applications 
    Unit 5 - Mortgage Payment Methods and Products 
    Unit 6 - Mortgage Arrears and Post Completion Issues 

You will get a thorough grounding in the mortgage application process, including the different products available and the issues borrowers may face after completion.

Module 3 - Assessment of Mortgage Advice Knowledge (ASSM)

    Unit 7 - Assessment of Mortgage Advice Knowledge

You will consolidate the knowledge you gained in Modules 1 and 2 and learn how to apply it to different scenarios.

Additional study support

CeMAP Revision Tool (CRT) 

Test your knowledge of the industry – and get personalised feedback – with our online exam practice tool, CRT.

CRT includes all our specimen CeMAP exams and will support your learning in each module of your CeMAP training. It allows you to:

  • select which topics you want to be tested on
  • adjust the exam timer according to how confident you’re feeling – you can be tested slowly in the early stages of your CeMAP qualification or simulate real-life exam conditions
  • get personalised feedback on where you’ve given wrong answers
  • link back to the study materials where your feedback has identified knowledge gaps
  • contains exam style questions from our specimen papers as well as additional knowledge test questions.

Specimen CeMAP exams
Everybody’s learning style is different, so we also offer digital specimen exams for CeMAP too.

If you prefer a simpler revision tool – or only want to focus on one module – these are a cost-effective way to support your study.

CeMAP 2 Module Support
Our students told us they’d like more help with Module 2 – Mortgages (MORT) – so we created this flexible learning resource, which includes:

  • audiovisual tutorials covering challenging topics
  • narrated videos with animation
  • case studies illustrating real-life scenarios with questions and detailed feedback
  • multiple-choice questions
  • a jargon buster for every topic with a comprehensive glossary presented in a flashcard format.

Ask the Experts
Would you like expert help with your CeMAP studies?

You can ask questions as well as  discuss issues and topics that come up in the qualification with our online support forum – Ask the Experts. Our industry experts will be happy to support you with your studies.


You will be assessed for each module by a two-hour electronic multiple-choice exam.

  • Module 1, UK Financial Regulation (UKFR) – two units with 50 multiple-choice questions for each unit
  • Module 2, Mortgages (MORT) – four units with 25 multiple-choice questions for each unit
  • Module 3, Assessment of Mortgage Advice Knowledge (ASSM) – one unit with six case studies, each with ten linked multiple-choice questions

You can choose when to take your CeMAP exams and pick from over 150 Pearson VUE test centres, nationwide. You will get your results on the same day.

You will have 12 months from when you register, 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.

Find out how to book your exam

When you have successfully completed all three modules, we will post your qualification certificate to you.

External CeMAP training courses

Some students prefer a qualification route with extra learning support. We have recognised a select number of CeMAP training 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


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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.

Electronic Pearson VUE exam:
Before your registration expiry date you can cancel your exam or 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 online or at least one working days’ notice by phone prior to your current exam booking. For example, if your exam is booked for a Monday, the latest you can reschedule is the previous Friday.

Pearson VUE can be reached via the details given on your Important Registration Information link on MyLIBF or our ‘Exam booking and information’ information page.

Session based exams (set exam date as per study timetable) including Advanced Financial Advice (AFA):
Please telephone Student & Customer Services directly to discuss your options. You may be able to change your venue, but will need to call us at least eight weeks before your exam date to check.

For all exams, if you are unable to provide the required notice due to significant mitigating circumstances, such as sudden illness, please contact Students and Customer Services straight away as you may be eligible for Special Consideration. Supporting documentary evidence is required for a Special Consideration application.

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 within 24 hours.  

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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