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.
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:
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:
(Source: Payscale)
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.
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:
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:
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.
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:
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
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.
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.
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.
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.
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.
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.
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.
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.
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.
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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