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Certificate in Mortgage Advice and Practice (CeMAP)

Professional Mortgage Adviser Package - CeMAP (Modules 1, 2 & 3) & CeRER - Virtual Classroom

Course Overview

With an ever-increasing property market, Mortgage Advisers are in high demand, therefore, enrolling in this course and being fully qualified once finished, will provide many career opportunities. In the UK, 80% of Mortgage Advisers get their professional qualifications through CeMAP. These individuals gain the proper knowledge and skills to provide mortgage and equity release advice to all home buyers.

To begin your new career path, you need to complete all three modules that will provide everything you will need to complete your official exams and help prepare you for real-world tasks. After you have done this, you can then begin your CeRER training.

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.

Key features
  • Delivery Method: Virtual Classroom
  • Exams: Available via Awarding Body
  • Mock Exams Included
  • Duration: 11 Days
  • Certified & Experienced Trainers
  • 1,000's of successful CeMAP delegates
  • UK's leading provider of CeMAP Training
  • Exam Pass Guarantee*

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Key features
  • Delivery Method: Virtual Classroom
  • Exams: Available via Awarding Body
  • Mock Exams Included
  • Duration: 11 Days
  • Certified & Experienced Trainers
  • 1,000's of successful CeMAP delegates
  • UK's leading provider of CeMAP Training
  • Exam Pass Guarantee*
About the Course
Course Details

Is the Professional Mortgage Adviser Package suitable for me? 

Any individual that is interested in becoming a Mortgage Adviser should contact us today. Our experienced trainers will teach you all that you need to get started as a Mortgage Adviser.

Anyone can enrol on this course, and there are no prerequisites to get started. However, you must pass the training for each level before attempting the exams.

This training course includes the CeMAP 1, CeMAP 2 & CeMAP 3 training and CeRER equity release training

How will the Professional Mortgage Adviser Package benefit me?

The course will allow you to confidently talk to all customers regarding Financial Services and Regulations, Mortgage Law, the mortgage application process, along with other related services.

You will be able to answer all queries regarding equity release, ensuring customers receive the best information for their situation.

Getting both CeMAP and CeRER qualifications will help you work as a Mortgage Adviser, and would also be ideal for those looking to start their own business in this field.

You will gain these exclusive benefits when studying with us:

  •  Exam Pass Guarantee*.
  •  Full access to our eLearning training course.
  •  Experienced tutors that are all accredited.
  •  Mock exams to help you prepare.
  •  Pass rate of 93%.
  •  Tutor support when requested.
  •  Financial plans that offer interest-free options.

What jobs can I apply for after my CeMAP & CeRER training?

With a full CeMAP and CeRER qualification, you will be able to become a Mortgage Adviser in the UK. There are many different career paths you can take, whether you are looking to start your own business, work within a bank, or in a Mortgage Advisory Firm.

With Mortgage Advisers needed throughout the UK, the qualifications gained from this course will help individuals start a rewarding career. The approximate salary per year for a Mortgage Adviser is 30k. However, with a commission, many make around £50k.

Other career options include:

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

(Source: Payscale)

Why choose to study the CeMAP & CeRER training course with e-Careers? 

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. 

Some of our graduates’ work for large organisations including Apple, RackSpace, John Lewis, and the MOD.

CeMAP & CeRER Syllabus 

CeMAP 1

  •  Unit 1 – Introduction to Financial Services Environment and Products
  •  Unit 2 – UK Financial Services and Regulation

CeMAP 2 & CeMAP 3

  •  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
  •  Unit 7 – Assessment of Mortgage Advice and Knowledge

CeRER

  • Unit 1 – Fundamentals of Equity Release (FOER)
    • The principles of equity release
    • Types of schemes available and the circumstances in which equity release may be appropriate
    • The advantages, disadvantages, and potential risks to consumers
  • Unit 2 – Equity Release Solutions (EQRS)
    • Selecting suitable equity release solutions to meet the circumstances of different consumers

CeMAP & CeRER Exam Details

The CeMAP 1 exam is a 2-hour objective exam made up of 100 multiple-choice questions. It will test your knowledge of UK Financial Regulation (UKFR), including:

  •  Unit 1 – Introduction to Financial Services Environment and Products
  •  Unit 2 – UK Financial Services and Regulation

CeMAP 2 is a 2-hour objective exam made up of 100 multiple-choice questions. CeMAP 3 exam is also 2 hours long, comprising 6 case studies, each with 10 linked multiple-choice questions.

The units you’ll cover during the CeMAP 2 & CeMAP 3 exam include:

  •  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
  •  Unit 7 – Assessment of Mortgage Advice and Knowledge

CeRER Exam Details 

The core Equity Release module is assessed through a single 2-hour objective exam, split into two units. Unit 1 is 50 multiple-choice questions, and Unit 2 is 3 case studies with 10 linked multiple-choice questions.

Exam format - Multiple-choice.

Number of questions - 50.

Pass mark - 35/50 (70%).

Equity Release Solutions

Exam format - Case studies, Multiple-choice.

Number of questions - 3 case studies with 10 questions. 

Pass mark - 21/30 (70%).

The CeRER exam is assessed through a single 2-hour objective exam, split into two units. Unit 1 is 50 multiple-choice questions, and Unit 2 is 3 case studies with 10 linked multiple-choice questions.

Exam information for CeMAP and CeRER

Register with the London Institute of Banking & Finance to take your exams. The exams (including registration fees) are not included in the cost of the course.

For CeMAP there is an exam fee of £190 per exam (£570 for all three exams) and you can apply to take your exam anytime throughout the year, including via a test centre or remote invigilation online. The cost of a re-sit exam is £160 per exam.  

For CeRER there is an exam fee of £220. The cost of a re-sit exam is £160.

Exam Pass Guarantee

We have found virtual classroom training has provided higher pass rates, which has made us confident to offer an ‘Exam Pass Guarantee’, so you know we’ll support you until you are certified.

With our Exam Pass Guarantee, if you do not pass the exam after attending this training course with us, you will be eligible to attend the same training again for free.

All we ask is that you:

  •  Attend all class days and complete all assignments.
  •  Take the exam within 30 days of completing your Virtual Classroom Training.
  •  Request your course re-enrolment within 30 days of the failed exam attempt.

Please Note:

Students retaking the course are required to use the materials and books distributed to them in their original course session. Failure to provide these materials will result in the student being charged for replacement materials.

Exam Pass Guarantee does not include the re-sit exam, this would need to be purchased at an additional cost.

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?

CeMAP stands for Certificate in Mortgage Advice and Practice. It is the benchmark qualification for mortgage advisors in the UK, awarded by LIBF and meeting the FCA's examination standards for providing mortgage advice. The CeMAP qualification is made up of three modules: Module 1 covers UK financial services regulation and ethics; Module 2 covers mortgages in depth, including law, products, and post-completion issues; and Module 3 tests your ability to apply everything you have learned to realistic client scenarios. Passing all three modules means you have met the standard required to give regulated mortgage advice in the UK.

What is CeRER?

CeRER stands for Certificate in Regulated Equity Release. It is a Level 3 qualification awarded by LIBF that prepares you to advise clients on equity release products, including lifetime mortgages and home reversion plans. It is the qualification of choice for mortgage advisers who want to work with later life lending clients or build a specialism in the equity release market.

Do I need CeRER if I already have CeMAP?

Not necessarily, but it depends on the type of advice you want to give. CeMAP qualifies you to provide regulated mortgage advice; CeRER qualifies you to advise on equity release specifically. If you want to offer equity release advice to clients, you will need CeRER. It is a valuable addition to CeMAP and opens up a growing and specialist part of the market.

What is the difference between CeMAP and CeRER?

CeMAP covers the full range of mortgage advice, from UK financial regulation and mortgage law through to products, applications, and post-completion issues. CeRER focuses specifically on equity release, covering lifetime mortgages, home reversion plans, and how to apply equity release solutions to different client situations. The two qualifications complement each other well, and this package covers both.

Is CeMAP worth it?

Yes. CeMAP is the recognised entry point to becoming a qualified mortgage adviser in the UK and is required for giving regulated mortgage advice. Starting salaries for qualified mortgage advisers are typically around £40,000, with experienced advisers earning up to £70,000 and beyond. For most people, the investment in training pays off quickly once they are practising in the field.

What are the entry requirements for CeMAP 1, 2, and 3 and CeRER?

There are no formal CeMAP prerequisites. The course is open to anyone at least 18 years old with a solid understanding of English, basic numerical skills, and access to a computer and a reliable internet connection. You do not need any prior experience in financial services or the mortgage industry to enrol.

How hard is CeMAP?

CeMAP is a Level 3 qualification, equivalent to A-Levels, so it takes real effort and preparation. Most learners find the content manageable when they attend the live sessions, make the most of the mock exams, and use their printed materials for revision. The pass mark for each CeMAP exam is 70%, and our exam pass guarantee means we support you until you get there.

What jobs can I apply for after completing CeMAP?

After passing your CeMAP exams, you can work as a qualified mortgage adviser at a bank, building society, or independent brokerage. You can also pursue roles such as mortgage underwriter, mortgage administrator, mortgage compliance officer, or mortgage sales manager. With CeRER, equity release adviser roles become available as well. Once you have gained the necessary experience and achieved Competent Adviser Status (CAS), you can also set up your own practice. Contact the e-Careers team to find out how we can help you work towards CAS.

Is it worth becoming a mortgage adviser in the UK?

For most people who make the move, yes. Qualified mortgage advisers earn around £40,000 at entry level, with senior advisers reaching £70,000 and beyond. The role also gives you the chance to meet a wide range of clients, build lasting professional relationships, and help people through one of the most significant financial decisions of their lives. Adding CeRER opens equity release as a further specialism, which is a growing and rewarding area of the market.

What are CeMAP and CeRER equivalent to?

Both CeMAP and CeRER are Level 3 qualifications, equivalent to A-Levels. They are registered with Ofqual in the Regulated Qualifications Framework (RQF) and awarded by LIBF, the awarding body for both qualifications.

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