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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.

As of 1 September, if you register to study CeMAP the cost of membership is included in the registration fee. 

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
Registration fee £555 for the complete qualification
£185 per module
The price includes study materials and exam entry.
When to apply? Registrations are open all year round
Number of modules       Three
Average time to complete 12 months
Study type This qualification is on-demand. Everything is online and you can study at a pace that suits you.
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
  • online access to our student portal MyLIBF
  • online access to our virtual library KnowledgeBank
You will be learning on our new VLE Brightspace, click on the logo to find out more.

Brightspace-logo
Additional study support You can purchase extra study support materials at any time, including:
  • CeMAP Revision Tool (CRT)
  • Specimen digital exams - available online via MyLIBF
  • 'Ask the Experts' online tutor support
  • CeMAP tuition videos.
Assessment type Two-hour multiple choice exam per module
Assessment provider You can book your exam at test centres nationwide or through remote invigilation
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.

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)

    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 Related Protection Products

    Unit 6 - Mortgage Payments Methods 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.

If you wish to study UK Financial Regulation (UKFR) on its own you can view the qualification page here

If you have already completed the Certificate in Protection (CertPro) then you will be exempt from unit 5.

Assessment

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) – units 3 and 4 with 25 multiple-choice questions, unit 5 with 20 multiple choice questions, and unit 6 with 30 multiple choice questions
  • 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 test centres nationwide or through remote invigilation.

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.

How to book your exam

When you have successfully completed the qualification, we will post your certificate to you.

Additional study support

You can purchase additional study support when you register for CeMAP or later through your MyLIBF account.

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.

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.

CeMAP Tuition Videos
If your learning style is audio-visual, you may prefer to get extra support with our CeMAP Tuition Videos. Guided by a tutor, each video focuses on a different aspect of the syllabus and provides examples to support your learning. It’s a great way for you to learn as you work through the book or revisit and revise topics with the help of a tutor. 

CeMAP 1 costs £99 and focuses on the areas that students typically find more difficult and breaks up the syllabus into smaller topics to help reinforce your learning. 

CeMAP 2/3 costs £99 and the CeMAP 3 section will also have the added benefit of a top tips video that will outline how to approach the exam, as well as the technical training needed, using case studies and its application to real world scenarios. 

The videos can be watched on any device, from anywhere in the world – as long as you have internet access – giving you the flexibility to study when and where it suits you. You can watch them as many times as needed and will have access to them for 12 months. 

Check out our short video to get a glimpse of our CeMAP videos:

Accredited Learning Support Providers

Some students prefer a qualification route with extra learning support. We have recognised a select number of course providers offering CeMAP learning support. Using a learning support provider is entirely up to you - it is NOT a requirement of your studies - but this extra support might be beneficial to your learning. You’ll need to pay for such provision directly to your chosen ALSP.

Please note that you will still need to register and complete CeMAP via us as we are the qualification awarding body.

Find out more

There are dozens of organisations offering training courses for CeMAP and other London Institute of Banking & Finance awards. An ALSP is a training organisation that has joined our ALSP scheme and has been formally recognised by us as delivering appropriate additional learning and training support.

 

To gain our recognition, an ALSP’s course is assessed rigorously and must continue to meet certain quality standards relating to:

 

  • accuracy of course information
  • comparability to The London Institute of Banking & Finance’s programme of study
  • accuracy of course content
  • quality of delivery, both online and in a classroom
  • trainer/author credentials
  • course management policies and procedures
  • satisfactory annual reporting of their training activities and course management

 

While all ALSPs’ courses undergo regular monitoring, they might not be suitable for all students and we offer no guarantee of success in the exam to users of them. If you are considering using third party services, it’s very important that you assess their offering against your needs and choose your provider with great care – please see the FAQ on what you should look for when choosing a learning support provider. A list of our current CeMAP ALSPs is here.

Using a third party learning provider is entirely your choice: it is NOT a requirement of your CeMAP studies. However, once you have commenced your CeMAP studies, if you feel you would like or need supplementary support in addition to the resources available from The London Institute of Banking and Finance , paying for an additional course might benefit you. For example, an extra online course from a training provider might be structured in a way that suits your learning style.

 

Many training organisations also offer face-to-face workshops and live webinars. The benefits of these include you being able to meet and learn with fellow students and a qualified trainer, discuss issues relating to your individual needs, undertake varied activities, practice exam questions and better understand your progress and learning gaps - all away from the distractions of a work/home environment.

There are dozens of learning support providers offering training courses. Please be aware that while websites appear to be professional-looking, not all are bona fide organisations: for example, a ruling by the Advertising Standards Agency in 2018.

 

So, if you are considering using a learning support provider that is not an ALSP, we strongly recommend you read its website thoroughly and look at whether:

  • it can be contacted by phone or e-mail (beware of those only offering a call-back service)
  • an address is given – check on the Companies House website that the company and its address are genuine. Do an online search on the address: does the company operate from professional-looking premises?
  • training course fees are clearly stated
  • it states you will also need to register with The London Institute of Banking & Finance and pay the appropriate fee
  • syllabus information and course content appears accurate, complete and up to date
  • there are any testimonials (but bear in mind they might not be genuine)
  • there are clearly stated terms and conditions. Make sure you read them carefully
  • the organisation claims to be recognised or accredited by The London Institute of Banking & Finance and/or uses its logo. Please note that only ALSPs are authorised to state they are accredited by us and display the official ALSP logo. The names and contact details of our ALSPs who offer support for CeMAP are published on our website here.

 

You are strongly advised not to simply register and/or pay for a course online. Your first step should be to phone the organisation to discuss the course and your needs. If they cannot describe the course in detail, or if there is no answer and they do not reply to voicemails or e-mails, you should be very cautious.

We are aware of a number of revision courses and learning materials being offered for sale online. If these are not being offered by one of our Accredited Learning Support Providers, you should be very wary of buying these items, even if they appear to be good value. The provider and the materials have not been reviewed by us and therefore their quality and relevance to your studies is unknown. Note that these materials might be incomplete, inaccurate or out of date and could be misleading to you.

If you have any concerns, Sue Sedwell, Head of Accreditation: ssedwell@libf.ac.uk will be happy to help you.

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