CeMAP Certificate in Mortgage Advice (Modules 2 & 3) - Virtual Classroom

This course covers the full Module 2 and Module 3 syllabus for the CeMAP qualification. You will build on the foundations from Module 1 and develop the practical knowledge needed to advise clients on mortgage products, navigate mortgage law and regulations, and apply your understanding to real-life case studies.

Module 2: Mortgages (MORT)

Module 2 is the core of the CeMAP qualification. It is split into two units and covers everything you need to know to assess clients, recommend mortgage products, and understand what happens from application through to post-completion.

MRT1: Mortgage Law, Practice and Application

This unit focuses on the legal and regulatory framework that underpins mortgage advice. You will learn how to assess a client's financial and credit status, understand the buying process, and get to grips with the responsibilities that come with the role of a Mortgage Adviser.

• Property and mortgage markets
• Types of borrowing
• Mortgage regulations
• Principles of mortgage and property law
• The legal aspects of buying a property
• Regulations and the buying process
• The role of the Mortgage Adviser
• Assessing an applicant's financial status
• Checking an applicant's credit status
• Suitability
• Assessing the property
• Valuations and surveys
• Other factors that affect the lending decision

MRT2: Mortgage Products and Post Completion

This unit covers the range of mortgage products available in the market, how repayments work, and what happens after a mortgage completes. You will also learn about arrears management and the legal options available to lenders.

• Mortgage repayment methods
• Repayment vehicles for interest-only mortgages
• Interest-rate options
• Other mortgage products
• Schemes for specific groups of borrowers
• Raising additional funds from property
• Transferring mortgages
• Arrears and debt management
• Lenders' legal rights and remedies

Module 3: Assessment of Mortgage Advice Knowledge (ASSM)

Module 3 is the final assessment stage of the CeMAP qualification. Rather than introducing new topics, it tests how well you can apply everything you have learned across Modules 1 and 2 in realistic client scenarios. It consists of six case studies, each containing ten multiple-choice questions, and is designed to reflect the kind of situations you will encounter as a practising Mortgage Adviser.

This course is delivered over 5 days via a live virtual classroom. Each day is led by a trainer who guides you through the syllabus, explains key topics, and runs mock exam sessions to help you prepare.

All sessions take place online, so you can attend from your computer or laptop without needing to travel. The live sessions are interactive and run in real time, similar in format to a live webinar, but with a structured classroom environment and direct tutor input throughout and you'll have printed courseware you can work from.

Here is what is included:

• Live, trainer-led sessions: Trainers run live classes to help you work through each topic clearly. You can ask questions, discuss real-life scenarios, and learn alongside other students.
• Recorded classes: All live sessions are recorded, so you can revisit any topic at your own pace after each session.
• Mock exam sessions: Practice papers are included to help you get comfortable with the exam format and identify any gaps before sitting the real thing.
• Printed learning materials sent to your home address: comprehensive hardcopy course materials delivered before your classes start, so you are ready to follow along from day one
• Pre-course digital materials: a study planner and guidance pack sent to you ahead of your first class to help you prepare
• Networking with peers: You will study alongside other professionals working towards the same qualification, giving you the chance to build connections within the mortgage industry.

All CeMAP exams are sat online via remote invigilation through LIBF. The CeMAP 2 pass mark for both units is 70%, and the CeMAP 3 exam also requires a minimum score of 70% to pass.

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.

Exam Pass Guarantee

We are confident in the quality of our virtual classroom training, which is why we back it with an exam pass guarantee. If you do not pass your exam after completing this course, you are eligible to retake the same training free of charge.

To qualify for the guarantee, you will need to:

• Attend all class days and complete all assignments
• Take your exam within 30 days of finishing your virtual classroom training
• Submit your request for re-enrolment within 30 days of an unsuccessful exam attempt

Please note that students retaking the course must utilise any materials or books distributed during their initial session. Failure to do so may result in charges for replacement materials.

The Exam Pass Guarantee does not cover exam fees, which must be purchased separately.

Our CeMAP mortgage advisor training prepares you to sit the LIBF exams and, once you pass all three modules, LIBF will award you the CeMAP qualification, and you will be approved to offer regulated mortgage advice in the UK. From there, you can go on to work at a bank, building society, or independent brokerage, or work towards setting up your own practice after achieving Competent Adviser Status (CAS).

What is Competent Adviser Status (CAS)?

CAS is the sign-off you need from an FCA-approved firm to practise as a Mortgage Adviser without supervision. It is granted by a designated Supervisor within the firm — this could be a Principal, Director, Training & Competence Manager, or Compliance Officer appointed to oversee trainees. e-Careers can connect you with a broker to help you work towards CAS. Get in touch with our team to find out more.

Roles You Can Apply For

• Qualified Mortgage Adviser: Assess clients' financial situations, recommend suitable mortgage products, and guide them through the application process. Starting salary:£40,000, rising to £75,000 at senior level, with commission available for experienced professionals.
• Mortgage Underwriter: Analyse loan applications, assess risk, and determine whether applicants meet mortgage approval requirements. Average salary: £30,000.
• Mortgage Administrator: Support the mortgage process by managing paperwork, coordinating with clients and lenders, and establishing mortgage payment methods. Average salary: £24,000.
• Mortgage Sales Manager: Develop and maintain relationships with clients, mortgage brokers, and other stakeholders. Average salary: £56,000.
• Mortgage Compliance Officer: Make sure mortgage-related activities within an organisation meet regulatory and industry standards. Average salary: £35,000.

What Comes After CeMAP?

If you want to specialise further, e-Careers also offers the Certificate in Regulated Equity Release (CeRER), the natural next step for qualified Mortgage Advisers who want to advise clients on equity release, particularly in later life lending.

We are one of the UK's leading providers of CeMAP mortgage advisor training, with a 93% average pass rate and a student community of over 630,000 across all our courses. If you are looking for the best CeMAP course with live tutor support, an exam pass guarantee, and flexible payment options, here is what we offer:

• Part of a learning community of over 630,000 students across all e-Careers courses
• Average CeMAP pass rate of 93%
• Exam pass guarantee on all virtual classroom courses
• Interest-free payment options available
• Best price guaranteed on like-for-like courses
• TOTUM Pro Card available — giving you discounts at selected stores and websites

CeMAP® is a registered trademark of LIBF. Use of this term on this website does not imply any association between e-Careers and LIBF (the awarding body for CeMAP®), or any endorsement or accreditation of e-Careers courses.

All course prices include VAT. The price you see is the price you pay.

Exam fees are not included in the course price. You will need to pay a separate registration fee directly to LIBF to access their learning materials and sit your exams.

We offer interest-free payment options to make the course more accessible. You can spread the cost without paying any extra