Certificate in Mortgage Advice and Practice (CeMAP) 2025-26

This section provides an overview of the CeMAP qualification and how to approach your studies. You’ll find a breakdown of the modules, exam structure and guidance on revision techniques, as well as key details about LIBF registration and support. Updates, news and announcements will also be posted here to help you stay on track throughout your qualification journey.

FRE1 of CeMAP 1 introduces you to the structure, purpose, and regulation of the UK financial services industry. It explores how money and financial markets operate, the role of government and state benefits, and the key legal principles underpinning financial advice. You’ll also learn about the development of UK financial regulation and the responsibilities of the Prudential Regulation Authority (PRA) and Financial Conduct Authority (FCA), providing a solid foundation for understanding the regulatory environment in which advisers operate.

FRE2 of CeMAP 1 focuses on the role and responsibilities of financial advisers in delivering suitable advice and ethical outcomes for clients. It examines the advice process, consumer rights, and the regulatory frameworks that shape professional conduct. You’ll also explore ethical principles, professional behaviour, and the importance of maintaining trust and integrity within financial services—key elements of being a competent and responsible adviser.

MRT1 of CeMAP 2 introduces you to the legal and regulatory framework that underpins mortgage advice and lending. It explores the role of mortgage regulation, the key legislation affecting lenders and borrowers, the different types of mortgage products, and the processes involved in assessing applications and completing loans. This module builds the foundation for understanding how the UK mortgage market operates within its legal and ethical boundaries.

MRT2 of CeMAP 2 develops your knowledge of the mortgage process from application to redemption. It covers how mortgages are arranged, how repayments and interest are managed, and what happens when financial difficulties or arrears occur. You will also learn about special situations such as bridging loans, second charges, and lender recovery procedures. This module focuses on applying regulatory and practical knowledge to real-life mortgage scenarios.

CeMAP 3 introduces you to the key skills and knowledge required to apply your understanding of mortgage advice in practical, customer-focused scenarios. This module focuses on developing your ability to analyse client needs, assess suitable mortgage solutions, and demonstrate effective communication and ethical decision-making—helping you build trusted, professional relationships as a qualified mortgage adviser.