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4.8/5 from 14151 Reviews

Certificate in Mortgage Advice and Practice (CeMAP)

CeRER Certificate in Regulated Equity Release (Level 3)

Course Overview

In today’s economic climate, the mortgage market is expanding, and individuals and organisations must keep ahead of market trends, offering the latest in services, such as equity release. This equity release training course will teach you about the equity release market and the certification will let you legally provide advice in this field.

There is a wide range of equity release products available, and this qualification will enable you to examine your customer’s needs and provide the right advice on the different products at your disposal, as well as all the associate risks.

This course benefits from our Exam Pass Guarantee*.

During this CeRER® Equity Release course you’ll cover:

  •    The impact of equity release schemes on customers’ future options
  •    The FCA regulatory explanation of a lifetime mortgage and a home reversion plan
  •    How to match different types of equity release schemes to your customers’ needs
  •    The suitability and affordability of the different types of equity release schemes
  •    The relative advantages and disadvantages of the different types of equity release arrangements and alternatives
  •    How to assess the risks to customers who take out equity release schemes and when these might arise
  •    The rules relating to state benefits as well as taxation

If you have studied our CEMAP Module 1,2 & 3 course, passed the required exams and you want to be able to offer advise on equity release products, this is the course for you!
Develop specialist knowledge and skills to understand different customer needs and be able to advise on a wide range of equity release products, as well as the risks associated.  

Find out how to become a Mortgage Adviser

Key features

  • Delivery Method: Virtual Classroom
  • Duration: 2 Days
  • Certified & Experienced Trainers
  • Join a community of over 625,000
  • Interest-free Payments
  • Exam Pass Guarantee*
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Free course advice
Key features
  • Delivery Method: Virtual Classroom
  • Duration: 2 Days
  • Certified & Experienced Trainers
  • Join a community of over 625,000
  • Interest-free Payments
  • Exam Pass Guarantee*

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Course Details

Why study the Certificate in Regulated Equity Release (CeRER) with e-Careers?

We have developed an expert team over the last 10 years since our inception. In that time, we have trained over 625,000 delegates globally, which has helped offer the highest quality training. By refining our processes, partner relationships, and course materials, we can offer high-quality training solutions for our delegates. 

We're a leading provider of Mortgage Advice training courses, both Online and via Virtual Classroom, with a high pass success rate. Our course prices are highly competitive, of a high quality, and are available with interest-free finance options. 

We're proud of our excellent rating on Trustpilot, with over 14,000 reviews from our past students.

You will also benefit from:  

  • An updated Syllabus – We keep all materials up to date to reflect the most recent financial regulations  
  • Career Flexibility – With your CeMAP and CeRER qualifications, you will be able to work for a Mortgage Advice organisation, Bank, or even start your own business
  • Exam Pass Guarantee – If you fail your exam, you will be eligible to attend the same training again for free.

Get career advice about becoming a Mortgage Adviser

How does the Exam Pass Guarantee work?

We have found our 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 any materials or 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 resit exam; this would need to be purchased at an additional cost.

Is the Certificate in Regulated Equity Release (CeRER) course suitable for me?

This CeRER training course is suitable for anyone who currently holds a CeMAP certification or Level 3 Mortgage Qualification and who wants to advise on equity release products. It would also be beneficial for companies looking to add additional products to their portfolios and expand their range. If you’re currently studying for your CeMAP qualification, this makes an excellent addition to your studies. 


Anyone may register to study a CeRER qualification, however, to complete the qualification you must either hold a Level 3 Certificate in Mortgage and Practice (CeMAP) or an equivalent qualification to CeMAP.  

If you do not hold either qualification, we advise that you to first register for the CeMAP Modules 1, 2, & 3.

What jobs can I apply for after my CeRER training?

If you are a Mortgage Adviser looking to offer a wide range of products and service, such as Equity Release, this qualification is ideal for you. Once you have completed the full CeRER qualification and exam, you can start to advise clients on a range of Equity Release options, which will open up new customers for you and your business. There are many people in the UK looking for solutions on how to release equity from their homes, and you will be able to advise them on their best options available. This in turn opens an additional revenue stream for both yourself and your organisation. 

If you would like to offer advice on Equity Release, but are currently not working as a Mortgage Adviser, or you have not year earned your CeMAP qualifications, it's best to start with a CeMAP Modules 1,2 & 3 course.

Typical Salaries

With an average salary of £30k* and OTE in excess of £50k* per annum, Mortgage Advisers have an excellent earning potential, and with more products and services available, the opportunity for an increased commission rises also. 

Other job roles in this field: 

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

(*Source: Payscale)

Essential Skills

  •    Be an excellent communicator
  •    Explain complex information to clients
  •    Have confidence in your abilities
  •    Always deliver excellent customer service
  •    Drive and ambition to reach sales targets
  •    IT skills and good time-management skills

CeRER Syllabus

This is a two-day immersive course, focussing on the two units required to take the examination for the Level 3 Certificate in Regulated Equity Release (CeRER) designation.

  •    Unit 1 – Fundamentals of Equity Release 
    • 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
    • Selecting suitable equity release solutions to meet circumstances of different types of consumers

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.

Fundamentals of Euqity Release

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%).

Exam information for CeRER

For CeMAP there is an exam fee of £202 per exam (£606 for all three exams) and this fee is paid directly to LIBF. 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 £170 per exam.

For CeRER there is an exam fee of £235. The cost of a re-sit exam is £170.

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