Become a mortgage adviser

Become a Financial Adviser

How to Become a Mortgage Adviser in the UK – CeMAP Qualification

If you want to become a mortgage adviser in the UK, you must hold an FCA-recognised qualification. CeMAP (The Certificate in Mortgage Advice and Practice), awarded by the London Institute of Banking & Finance (LIBF), part of Walbrook Institute London, is the most commonly held and widely recognised qualification among mortgage advisers.

Clarity Financial Training Ltd is a LIBF-accredited learning support training provider offering CeMAP courses designed specifically for career changers and new entrants, with tutor-led learning, industry-leading materials, and excellent first-time pass rates.

CeMAP Training Course – How to become a mortgage adviser

What Is CeMAP?

CeMAP (The Certificate in Mortgage Advice and Practice) is the mandatory qualification required by the Financial Conduct Authority (FCA) to give mortgage advice in the UK.

It covers:

  • The UK financial services environment
  • Mortgage law, regulation and ethics
  • Mortgage products, repayment methods, and affordability
  • The practical application of mortgage advice
  • How is CeMAP assessed? 

Once completed, CeMAP allows you to work as a qualified mortgage adviser, subject to employer authorisation.

Who Is CeMAP Best For?

CeMAP is suitable for:

  • Career changers entering the mortgage advice industry
  • New advisers requiring FCA-compliant qualifications
  • Bank, estate agency, or financial services staff moving into mortgage advice
  • Learners who want structured, tutor-led training rather than self-study alone

No previous financial services qualifications are required.

How Clarity FT Helps You Pass CeMAP First Time

Clarity FT specialises exclusively in LIBF qualification routes, ensuring everything we teach is aligned with exam and regulatory expectations.

Why Choose Clarity FT for CeMAP

  • LIBF-accredited CeMAP training provider
  • FCA-recognised qualification route
  • Live classroom training in Potter Bar, Hertfordshire
  • Live tutor-led webinars
  • Distance learning with structured tutor support
  • Industry-leading printed study materials
  • Extensive online CeMAP mock exam platform included – Mock-Quiz-Expert
  • Strong first-time pass rates
  • UK-based tutors with real industry experience
  • Once registered, you can subscribe to our bi-weekly newsletter, keeping you up to date with market trends, regulatory changes, and industry news.

Study Options Available

You can complete CeMAP with Clarity FT via:

  • Live classroom courses (Potters Bar, Hertfordshire)
  • Live interactive webinars (delivered via Cisco webex)
  • Distance learning with tutor support
  • View our CeMAP courses

All formats include the same high-quality materials and mock exam access.

CeMAP Mock Exams & Exam Preparation

All Clarity FT CeMAP courses include access to our dedicated mock exam website, written by our LIBF-accredited tutors. Practise with our CeMAP mock exams.

Our mock exams:

  • Reflect the style and difficulty of real LIBF exams
  • Help build confidence before sitting each module
  • Are ideal for both first-time candidates and resits

How Long Does It Take to Become a Mortgage Adviser?

Most learners complete CeMAP within 2–6 months, depending on study format and pace.

Start Your Career as a Mortgage Adviser

If you’re looking for a trusted, LIBF-accredited CeMAP provider with live teaching, excellent materials, and realistic exam preparation, Clarity FT offers one of the most complete CeMAP training routes in the UK.

Skills and role of a Mortgage adviser

A mortgage adviser will recommend to their clients which is the most appropriate type of mortgage in order to buy a property. Advisers must use their skills and expertise to establish client affordability and suitability from a vast range of products. Advisers must also assist their clients to protect their mortgage and property by selling the most appropriate insurance products including life cover, income protection and property insurance. Advisers can work as either an employed adviser and get paid a salary or as self-employed where they can charge a fee or receive commission from the lender and insurance company.

Advisers role:

  • Meeting with clients to discuss their current circumstances to establish affordability and suitability.
  • Select the most appropriate products from the vast range available.
  • Explain complex financial information simplistically to clients.
  • Explain the features, benefits and risks of the products recommended.

Adviser skills:

  • Excellent communication skills, both verbal and written.
  • Honest, trustworthy and ethical.
  • Numerate.
  • Sociable and friendly.
  • Hardworking and diligent in order to keep their knowledge up to date.
  • Organised – Advisers must be organised in order to maintain adequate records in order to remain FCA compliant.

The Certificate in Mortgage Advice and Practice (CeMAP) is a professional qualification for any candidate who wants to work as a mortgage adviser. UK financial services are regulated by the Financial Conduct Authority (FCA). CeMAP® is a LIBF RQF Level 3 qualification and is recognised by the Financial Skills Partnership.

Also considering Financial advice (DiPFA) or Equity release (CeRER)?

Clarity FT is a LIBF Accredited Learning Support Provider in The Certificate in mortgage advice and practice (CeMAP)

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LIBF Info

CeMAP Course Information

Professionals who want to offer mortgage advice need to meet FCA requirements. The Certificate in Mortgage Advice and Practice (CeMAP) is the industry benchmark qualification, providing individuals with the appropriate qualification. CeMAP provides the knowledge and the ability to offer advice, whether independent or tied and is designed to ensure that the adviser obtains the highest quality educational material and assessment opportunities (LIBF, 2011). Mortgages are essential for the majority of house purchases, as long as people need homes they will always need good advice. Qualified advisers can also advise on second charges and retirement interest only mortgages, as well as Consumer Buy-to-Lets and investment Buy-to-lets. This qualification is easily achievable with an unbelievable exam turnaround. At Clarity FT we will support you all the way until you pass your exams. The course content covers the whole scope of mortgages; covering regulation, markets, law, etc. The tutors at Clarity FT have had undisputed success in helping numerous individuals pass their qualifications; we have the knowledge and the experience to help you succeed. Why not look at the course content to find out if this course is for you. Our courses reflect the changes implemented by the FCA and meet the Mortgage Market Review (MMR) compliance.

The CeMAP  qualification comprises of 3 modules which are all assessed by three 2 hour multiple choice exams undertaken at a Pearson Vue test centre, these are located all over the UK.  The LIBF have now rolled out the ability to sit the professional exams via remote proctoring,  this enables students to sit the exams from the comfort and safety of their own home.   To get your CeMAP®  qualification candidates will need to register with the London Institute of Banking and Finance for each module. The registration includes an exam fee (£690.00 for 3 modules) and the awarding of the qualification on successful completion of all 3 exams.

CeMAP®  is split into 3 modules that cover 5 units (Click here for the timeline of changes):

  • Module 1: Financial Services, Regulation and Ethics
  • FSRE (Units FRE1 and FRE2)
    • FRE1: Industry, Regulation and Key Parties
    • FRE2: Skills, Principles and Ethical Behaviours 
  • Skill: Understanding Regulation (Exam: Two hour multiple-choice exam (1 hour each):
    • 25 multiple-choice questions (on each unit)
    • 3 case studies with 5 linked multiple-choice questions on each unit
    • Total marks = 80 marks (70% pass mark on both units)
  • Overview: FSRE® is the regulatory foundation module required for any professional qualification. The module helps candidates understand how financial markets and products work.
  • It covers:
    • Financial Services – by looking at the financial services industry and regulated financial products
    • Regulation – by looking at how UK financial services are regulated and the role and objectives of the regulators
    • Ethics – by looking at how regulation can encourage ethical behaviour in firms and those who work in the firms, as well as the qualities and personality traits required for those who work in certain roles.
  • Module 2 CeMAP® 2 – Mortgages (MORT)
  • Mortgages (Units MRT1 and MRT2)  
    • MRT1 (Unit 3): Mortgage Law, Practice and Application (50 questions – 70% pass mark) –  1 hour exam.
    • MRT2 Unit 4): Mortgage Products and Post-Completion (50 questions – 70% pass mark) –  1 hour exam.
  • Overview: CeMAP® 2 covers all the relevant technical areas required to deliver regulated mortgage advice. Each stage of the mortgage process is covered within the syllabus highlighting the relevant regulatory rules within the FCA Mortgage Conduct of Business (MCOB) sourcebook.
  • Module 3 CeMAP® 2 – The Assessment of Mortgage Advice Knowledge (Exam:  One 2 hour exam with 6 case studies with 10 related questions on each case study. (60 questions – 70% pass mark) – 2 hour exam.
    • Unit 5: Assessment of Mortgage Advice and Knowledge (60 questions)
  • Overview: The final module looks at applying the knowledge gained in the previous units and testing the ability to formulate the knowledge.

At Clarity Financial Training Ltd we offer professionally delivered CeMAP®  training courses that help students pass their CeMAP®  exams with confidence. Whether you have existing experience or are new to the industry our workshops are aimed at covering each syllabus to help understand and gain the relevant exam technique to pass the qualification with ease. We have various study options available to assist you to tackle the exam and pass. Click here to see our study options and dates.

CeMAP® is split into 3 parts and all must be completed to achieve the qualification, please click on the following:

Clarity FT is a accredited LIBF Certificate in mortgage advice and practice (CeMAP) learning support training provider.

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Clarity Course

CeMAP – The Certificate in Mortgage Advice and Practice

CeMAP Course – How Clarity FT run our courses

At Clarity Financial Training Ltd we offer a variety of CeMAP short courses that work around you, which means that you can study while you continue to work. We excel in what we do best and come highly recommended. Click here to find out more about us.

How Clarity FT run the course

At Clarity Financial Training Ltd we offer a variety of CeMAP short courses that work around you, which means that you can study while you continue to work. We excel in what we do best and come highly recommended. 

How Clarity FT run the course

At Clarity FT we offer various study options to complete your CeMAP studies. Included are well written and easy to understand materials to help students understand how regulation and mortgages work. Our courses include full presentation material, mock exams and email support until you pass.

What is included?

  • Presentation PowerPoint Booklet: Receive a hardcopy of our presentation slides, which are reinforced through tutor-led sessions.
  • CeMAP® Made Simple Textbooks: Industry-leading, simplified texts for FSRE® and CeMAP® 2&3, provided in hardcopy to enhance your understanding.
  • Daily Test Questions & Handouts: Hardcopy materials designed to reinforce your daily learning and help you retain key information.
  • Mock-Quiz-Expert Website: Access over 4,500 exam-style questions on our dedicated website to test your knowledge and boost your confidence (Click here to view).
  • Distance Learning Resources: Enjoy 3 months of access to our comprehensive online tools and resources after completing your live course.
  • Ongoing Support: Benefit from full aftercare support, with direct email access to your tutor until you pass your exams.
  • Classroom Amenities: For in-person courses, enjoy light refreshments, microwave access, and free parking.
  • Pass Guarantee: We’re committed to your success, offering ongoing support until you achieve your CeMAP® qualification. We provide a free resit policy if students have attempted their exam and failed (note: only available to classroom and live webinar students).

Class based: 10 Days (9.30am to 5pm) split over two sessions – 5 days FSRE and 5 days CeMAP 2&3. Courses are run during the week and weekend – Prices start at £650.00.

Online Real Time Webinars: 10 Days (9.30am to 5pm) split over two sessions – 5 days FSRE and 5 days CeMAP 2&3. Courses are run during the week, weekend and evenings. Delivered in real time as a live session sent as a secure link via Cisco Webex – Prices start at £550.00.

Distance learning: Our Distance learning training includes simplified online videos, info graphics, online tools and you can also purchase the materials in hardcopy for an extra cost. In addition you will also get access to our “Mock-Quiz-Expert” multiple choice testing site with over 4,500 questions with detailed answers. Incorporated is email support and “ask a tutor” assistance – Prices start at £175.00.

Please click here for our prices.

Contact us.

Clarity FT is a accredited LIBF Certificate in mortgage advice and practice (CeMAP) learning support training provider.

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Study Options

CeMAP Training Courses

Clarity FT offer a variety of short CeMAP courses that work around you, including Classroom, Online and Distance learning courses. We come Highly Recommended.

CeMAP Courses – Ways to Study

At Clarity Financial Training Ltd we are committed to offering you choice and convenience, so we have various study options to gain your LIBF qualification available for you to choose from.  At Clarity FT we offer CeMAP® distance blended learning, as well as DipFA® In-House training and DipPP® one-to-one. If you prefer the traditional classroom setting you can select this option. If you live some distance from London and cannot commit to the overnight stay try our other methods, either our on-line web tutor which is run real time, Distance learning or in-house (subject to minimum numbers) or if you prefer the personal touch have an exclusive one to one session. Click on the following and read for yourself which option best suits you.

We Offer the CeMAP qualification via all study options:

Choose the solution that suits you. Book now.

Clarity FT is a accredited LIBF Certificate in mortgage advice and practice (CeMAP) learning support training provider.

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Dates

Course Dates

At Clarity FT we truly value our students and strive to give them the best quality service available. Our class based spaces are limited, maximum 13 students per session. Our Webinars are also limited, only 20 students can attend at any one time. Please do not miss out BOOK NOW to save your place or pay a £100 deposit. Contact us now.

All our courses will be run as REAL TIME WEBINARS for the time being to help combat the spread of the coronavirus. Clarity FT wants to help the global fight to end this pandemic. Your studies should not have to be put on hold. Webinar classes are fully interactive and are professionally run (Click here for details).

Clarity Financial Training LTD will also allow students that have booked onto our Real Time Webinars to opt to our class based courses when it is feasible to do so and social distancing is no longer required. You can book with confidence as the dates will remain the same and there will be no additional cost.

Week day Real Time Webinar Based training courses

CeMAP® 1 (UK Regulation) (Real Time Webinar)

  • Mon 20th to Fri 24th April 2020 (5 days 9.30am to 5pm) Session ended
  • Mon 18th to Fri 22nd May 2020 (5 days 9.30am to 5pm) Session ended
  • Mon 8th to Fri 12th June 2020 (5 days 9.30am to 5pm) Session ended
  • Sat 4th to Wed 8th July 2020 (5 days 9.30am to 5pm) Session ended
  • Mon 10th to Fri 14th Aug 2020 (5 days 9.30am to 5pm) Session ended
  • Mon 21st to Fri 25th Sept 2020 (5 days 9.30am to 5pm) Session ended
  • Mon 12th to Fri 16th Oct 2020 (5 days 9.30am to 5pm) Session ended
  • Mon 30th Nov to Fri 4th Dec 2020 (5 days 9.30am to 5pm)

CeMap 2/3 (Mortgages and Assessment of Mortgage advice) (Real Time Webinar)

  • Mon 27th to Thurs 30th April 2020 (4 days 9.30am to 5pm) Session ended
  • Tues 26th to Fri 29th May 2020 (4 days 9.30am to 5pm) Session ended
  • Mon 22nd to Thurs 25th June 2020 (4 days 9.30am to 5pm) Session ended
  • Mon 13th to Thurs 16th July 2020 (4 days 9.30am to 5pm) Session ended
  • Mon 24th to Thurs 27th Aug 2020 (4 days 9.30am to 5pm) Session ended
  • Mon 28th Sept to Thurs 1st Oct 2020 (4 days 9.30am to 5pm) Session ended
  • Mon 19th to Thurs 22nd Oct 2020 (4 days 9.30am to 5pm) Session ended
  • Thurs 26th to Sun 29th Nov 2020 (4 days 9.30am to 5pm)
  • Mon 7th to Thurs 10th Dec 2020 (4 days 9.30am to 5pm)

Weekend Real Time Webinar based training courses

CeMAP® 1 (UK Regulation) (Real Time Webinar)

  • Sat  4th to Sat 18th July 2020 (5 days: Sat and Sun only: 9.30am to 5pm) Session ended
  • Sat 10th to Sat 24th Oct 2020 (5 days: Sat and Sun only: 9.30am to 5pm) Session ended

CeMap 2/3 (Mortgages and Assessment of Mortgage advice) (Real Time Webinar)

  • Sat 25th July to Sun 2nd Aug 2020 (4 days: Sat and Sun only: 9.30am to 5pm) Session ended
  • Sat 21st to Sun 29th Nov 2020 (4 days: Sat and Sun only: 9.30am to 5pm)

CeMAP 1 –  (6 weeks – 2 evenings per week)

  • Mon 1st June to Thurs 2nd July 2020 (Monday and Thursday – 6.30pm to 9pm (2.5 hours) – 12 sessions Session ended

CeMAP 2&3 –  (5 weeks – 2 evenings per week)

  • Mon 7th Sept to  Thurs 8th Oct 2020 (Monday and Thursday – 6.30pm to 9pm (2.5 hours) – 10 sessions Session ended

Blended/distance learning

CeMAP® 1 (UK Regulation) (Webinar) and
CeMap 2/3 (Mortgages and Assessment of Mortgage advice) (Webinar).

Click here for distance/learning

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