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Certificate in Mortgage Advice and Practice (CeMAP)

CeMAP Certificate in Mortgage Advice - Module 1

Course Overview

Are you thinking about becoming a Mortgage Adviser? You will first need to have a professional certification like CeMAP® 'Certificate in Mortgage Advice and Practice’ before you can legally provide mortgage advice. The reason for this is that all UK mortgages are regulated by the FCA (Financial Conduct Authority). 

With 80% of UK Mortgage Advisers holding this certification, this is the benchmark for teaching you the different regulations in the mortgage sector, whilst also teaching you the different factors that can affect your clients’ financial plans.

However, this is just the first step. If you want to be a fully qualified Mortgage Adviser, you will also need to study the CeMAP Modules 1, 2 & 3 package.

We're proud of our excellent rating on Trustpilot, with over 15,128 reviews from our past students. 

The Certificate in Mortgage Advice & Practice (CeMAP) is awarded by LIBF.  This Level 3 qualification meets the FCA’s examination standards for providing advice on mortgage products. It is also registered with Ofqual in the Regulated Qualifications Framework (RQF).

CeMAP® and CeRER® are registered trade marks of LIBF. Use of these terms on this website does not imply any association between e-Careers and LIBF (the awarding body for CeMAP® and CeRER®), or any endorsement or accreditation of e-Careers courses.

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Course Details

Is the CeMAP 1 training course suitable for me?

Gaining this certification and being licenced to practice is compulsory for those wanting to become a Mortgage Adviser, but there are no prerequisites to enrol on this course.

When will I get the CeMAP 1 certification?

This course contains around 70 hours’ worth of course materials, helping you learn the subject thoroughly. We have found that the large majority of our students complete the course well under 6-months. As some students work faster than others, we will provide you with access to the eLearning course for 6-months, which can be extended if needed for an additional cost.

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How will the CeMAP 1 course benefit me?

This CeMAP 1 training course will teach you everything you need to get started with your full CeMAP training. 

This course offers: 

  •  An updated Syllabus – We always use the most modern and up-to-date CeMAP syllabus, ensuring that what you learn will be relevant when you start working.
  •  Flexibility – When you complete this qualification, you will gain the skills and knowledge needed to work for a bank, a firm specialising in mortgage advice, or as a freelancer.
  • Job satisfaction – It is rewarding knowing that you are at the heart of helping individuals purchase their homes and making a positive difference in their lives.

What jobs can I apply for after my CeMAP Certificate in Mortgage Advice training? 

Before applying for Mortgage Advisory roles, you must first finish learning about all three of the CeMAP modules, including the CeMAP Modules 2 & 3 qualification. Once you have gained these qualifications, you can interview for jobs as a Mortgage Adviser, Mortgage Broker, Protection Adviser, both in the public and private banking sectors.

Average Salaries

On average, the salary for a Mortgage Adviser in the UK is £30,000 per year. On top of this, you may also be offered a commission package, where your earning potential could exceed £50,000 per year. After you have some experience in the industry, you could become a manager, vastly increasing your wage possibilities.

Job roles many students apply for after gaining the CeMAP qualifications include:

  •  Private Banking Assistant – £33k
  •  Relationship Support Assistant – £33k
  •  Protection Adviser – £50k
  •  Business Owner – Mortgage Adviser – £30-£55k+

(Source: Payscale)

Due to the demand for Mortgage Advisers in the property market, now is the perfect time to work towards a career in this industry.

Essential Skills: 

  • Confident communicator.
  • Explain complicated information and processes to clients in a simple manner.
  • Customer-first attitude, delivering excellent customer service constantly.
  • Hardworking and determined attitude to gain the targets set for you.
  • Competent at IT and good time-management skills.

Why choose to study the CeMAP 1 course with e-Careers?

As the UK’s leading provider of CeMAP training, we take pride in our 93% pass-rate success. We also offer interest-free payment options and have the best price for CeMAP courses in the UK.

We have designed these courses to be easy to learn, and our trainers all have many years of experience in the industry. You will also be able to take advantage of the flexibility that this online course offers, allowing you to study wherever you are, whenever you want. Mock exams are also provided to give you the best preparation you need to pass your exam.

This course contains some complex methods and concepts which may be difficult to understand. Thankfully, we offer Tutor Support for you at no extra cost, allowing you to ask questions you may have, ensuring you understand any confusing principles! All our tutors will hold regular webinars to go through other topic areas in more detail to make sure you understand the course materials and are prepared for your exams.

We have developed an expert team over the last 10 years since our inception. In that time, we have trained over 630,000 delegates globally, which has helped offer the highest quality training, and we have earned a 5-star rating on Trustpilot, from over 10,000 students. 

By refining our processes, partner relationships, and course materials, we can offer high-quality training solutions for our delegates. 

Syllabus

Module 1: Financial Services, Regulations and Ethics (FSRE)

Industry, Regulations and Key Parties (FRE1)

  • The role and structure of financial markets. The role of government
  • State benefits and HMRC tax credits
  • Meeting customer needs and benefits
  • Important legal benefits
  • Will, intestacy and trusts
  • The development of UK financial services regulations
  • The PRA and FCA responsibilities and approach to regulations

Skills, Principles and Ethical Behaviours (FRE2)

  • The advice process and adviser skills
  • Consumer rights and fair and ethical outcomes for customers
  • The regulatory advice framework
  • Ethical principles and professional behaviours

Exam

Module 1: Industry, Regulations and Key Parties (FRE1)

  • Duration - 60 minute
  • Assessed by 25 multi-choice questions and 3 case studies with 5 associated multi-choice questions
  • Pass Mark - 70%

Module 1: Skills, Principles and Ethical Behaviours (FRE2)

  • Duration - 60 minute
  • Assessed by 25 multi-choice questions and 3 case studies with 5 associated multi-choice questions
  • Pass Mark - 70%

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

What is CeMAP Module 1?

CeMAP Module 1 covers Financial Services, Regulations and Ethics. It is the first of three modules you need to complete to earn the full CeMAP qualification. Module 1 introduces you to the structure of the UK financial services industry, key regulatory bodies, and the ethical standards expected of a professional adviser.

Do I need any prior experience to start the CeMAP Module 1?

No. There are no formal entry requirements. CeMAP Module 1 is designed to be accessible to anyone starting out in financial services, including complete career changers. We recommend having a good understanding of English and basic numeracy.

Can I study CeMAP online?

Yes. Our CeMAP Module 1 course is delivered entirely online through our eLearning platform. You can study at your own pace, attend live tutor classes, and sit your exams online via remote invigilation through LIBF.

How long does CeMAP Module 1 take?

You have 6 months of access. Most students complete the module within a few weeks, depending on how much time they dedicate each week. The flexible format lets you study around work and other commitments.

Are exams included in the course fee?

No. You will need to pay a fee directly to LIBF, the awarding body. This covers your exam, registration, and access to their learning materials.

Where do I sit the CeMAP exams?

All CeMAP exams are sat online via remote invigilation through LIBF. Exams are no longer available at test centres.

What is CeMAP equivalent to?

CeMAP is a Level 3 qualification, equivalent to A-Levels. It is awarded by LIBF, meets the FCA's examination standards for providing mortgage advice, and is registered with Ofqual in the Regulated Qualifications Framework (RQF).

Is CeMAP valid in Scotland?

Yes. CeMAP is widely recognised across England, Wales, and Scotland. While the course is based on the England and Wales syllabus, the Scottish regulatory framework for mortgage law is closely aligned. You can complete this course and apply for a Scottish mortgage adviser's licence without retaking any modules.

What happens after I complete CeMAP Module 1?

After passing Module 1, you move on to CeMAP Modules 2 and 3. You need to complete all three modules to earn the full CeMAP qualification. Once qualified, you will also need to achieve Competent Adviser Status (CAS) before you can give regulated mortgage advice independently.

What is Competent Adviser Status (CAS)?

CAS is confirmation that you are capable of giving regulated mortgage advice without supervision. It is granted by an appointed Supervisor at an FCA-approved firm. This could be a Principal, Director, Training and Competence Manager, Compliance Officer, or a Supervisor specifically appointed by the firm to oversee trainees. Once they are satisfied with your ability, they will sign off on your CAS, allowing you to practise independently or take on a role in the industry. e-Careers can put you in touch with a broker to help you achieve CAS. Get in touch with us for more information.

What does a Mortgage Adviser do?

A Mortgage Adviser helps clients find and secure the right mortgage for their circumstances. Day-to-day responsibilities include assessing clients' financial situations, searching the market for suitable products, negotiating with lenders, and guiding clients through the full application process.

 

Is it worth becoming a Mortgage Adviser?

For many people, yes. It is a client-facing role where you genuinely help people with one of the biggest financial decisions of their lives. Qualified Mortgage Advisers typically start on around £40,000, with the potential to earn £75,000 or more with experience and commission. Roles are available at banks, building societies, and independent brokerages, or you can set up your own practice after achieving CAS.

What jobs can I apply for with a CeMAP qualification?

Once you hold the full CeMAP qualification, you can apply for roles such as:

  • Qualified Mortgage Adviser: average starting salary around £40,000, rising to £75,000+ with experience and commission

  • 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

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