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Certificate in Mortgage Advice and Practice (CeMAP)

CeMAP Certificate in Mortgage Advice - Module 1

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541 Students enrolled

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Online Course

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Start learning immediately

  • iconFlexible online learning
  • iconHigh pass rates
  • iconNo prior experience needed
  • iconIndustry recognised CeMAP training
  • icon0% finance options
  • iconLive classes included
  • Individual
  • Team
£245
£165 Inc. VAT

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If you want to work as a Mortgage Adviser in the UK, the CeMAP qualification is where your journey begins. Module 1 is the first step, and it gives you a solid grounding in financial services, regulation, and ethics, the building blocks you need before moving on to Modules 2 and 3.

This flexible CeMAP online course is ideal if you are new to financial services or looking to change careers. There are no formal entry requirements, so you can start regardless of your background. 

Our online CeMAP training gives you immediate access to your course materials, live classes covering specific topics with recordings available to watch back, and structured exam preparation, all from your computer, device, or phone. You learn at your own pace, fitting study around your life.

The Certificate in Mortgage Advice & Practice (CeMAP) is awarded by LIBF. This Level 3 qualification meets the FCA's examination standards for providing advice on mortgage products. It is also registered with Ofqual in the Regulated Qualifications Framework (RQF).

Once you complete Module 1, you can continue to CeMAP Modules 2 and 3. If you prefer a live classroom experience, we also offer virtual classroom sessions. Or, if you want to complete all three modules together, take a look at our CeMAP training packages.

Enrol today and take the first step towards your mortgage adviser career.

This course is perfect for:

  • Career changers with no prior experience in financial services

  • Anyone looking for an entry-level route into mortgage advice

  • Aspiring Mortgage Advisers wanting a recognised starting point

  • Those who want to study module by module at their own pace

  • People returning to work who want a clear, structured qualification pathway

  • Professionals in related fields looking to move into mortgage advice

Detailed course overview

Students enrolled:

541 students

Study method:

Online via our industry-leading eLearning platform and live classes.

Flexibility:

Study anytime, anywhere from your computer or laptop.

Additional support:

Tutor support available. Recorded classes available for playback.

Success rates:

High pass rates

Course access:

6 months

Intake dates:

Start immediately.

What will you learn?

CeMAP Module 1 covers Financial Services, Regulations and Ethics (FSRE). It consists of two units, each assessed by a separate exam. Here is what each unit covers.

Unit 1: Industry, Regulations, and Key Parties (FRE1)

This unit gives you a broad understanding of how the UK financial services industry is structured, who the key players are, and how the regulatory framework operates.

  • The role and structure of financial markets, and the role of government
  • State benefits and HMRC tax credits
  • Meeting customer needs and understanding key benefits
  • Important legal considerations
  • Wills, intestacy, and trusts
  • The development of UK financial services regulations
  • The PRA and FCA: responsibilities and approach to regulation

Unit 2: Principles of Bookkeeping Controls

This unit focuses on the skills and standards you need as a professional adviser, covering the advice process, ethical responsibilities, and how to deliver fair outcomes for clients.

  • The advice process and adviser skills
  • Consumer rights and fair and ethical outcomes for customers
  • The regulatory advice framework
  • Ethical principles and professional behaviours

By the end of Module 1, you will have a clear understanding of how the UK financial services industry works, what is expected of a professional adviser, and the regulatory environment you will be operating in.

Course duration

You have 6 months of access to complete your CeMAP Module 1 online course. The flexible format means you can study at your own pace and fit learning around your work and personal commitments. There is no fixed timetable, so you decide when and how often you study.

Most students complete CeMAP Module 2-3 months, though this depends on how much time you can dedicate each week. Whether you study a little each day or in longer sessions on the weekend, the course works around you.

How does our CeMAP 1 online course work?

Getting started is straightforward. Here is what your study journey looks like:

  • Enrol and get immediate access: log in to the eLearning platform and start straight away
  • Work through your lessons: study at your own pace using engaging content.
  • Attend live tutor classes: join live sessions run by our tutors, with all classes recorded so you can watch them back whenever suits you
  • Revise and practise: use topic tests and revision tools built into the platform to prepare for your exams
  • Register and sit your exams: register directly with LIBF to sit your exams online via remote invigilation (exams not included).

If you need support at any point, our tutors are available to help. Submit a question and you will receive a response from a tutor. You also get access to recorded webinars throughout your course access period, so you can watch them back whenever suits you.

Exam Format

CeMAP Module 1 consists of two separate exams, one for each unit. Exams are sat online via remote invigilation through LIBF. You book and sit your exams directly with LIBF when you feel ready.

Unit 1 Exam: Industry, Regulations and Key Parties (FRE1)

  • Format: 25 multiple-choice questions and 3 case studies, each with 5 associated multiple-choice questions
  • Duration: 60 minutes
  • Pass mark: 70%
  • Material allowed: None

Unit 2 Exam: Skills, Principles and Ethical Behaviours (FRE2)

  • Format: 25 multiple-choice questions and 3 case studies, each with 5 associated multiple-choice questions
  • Duration: 60 minutes
  • Pass mark: 70%
  • Material allowed: None

How This Online Course Helps You Prepare for the CeMAP 1 Exams

Exam preparation is built into your course from day one. Here is what you have access to:

  • Topic tests at the end of each unit to check your understanding as you go
  • Mock exams that mirror the real exam format so you know what to expect
  • Live tutor classes focused on the areas students find most challenging
  • Recorded sessions to revisit any topic before your exam date
  • Tutor support available throughout your six months of access

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.

Why Choose Online Study for CeMAP 1?

Studying CeMAP online gives you the freedom to learn on your terms. Here is what is included in your course and why it works well for busy people:

Immediate access, anywhere

Start the day you enrol. Study on your computer, tablet, or phone, at home, on a commute, or wherever suits you best.

Live tutor classes, recorded for flexibility

Our tutors run live classes to help you understand the trickier parts of the syllabus. Every session is recorded and available to watch back on demand, so you never miss anything.

A platform built for learning

Our eLearning platform includes interactive lessons, topic tests, and mock exams. Everything you need is in one place, and you can track your progress as you go.

Responsive tutor support

Submit a question and get a response. You also receive ongoing invitations to live webinars throughout your course access period.

Interest-free payment options

Spread the cost of your training with our interest-free payment plan, so getting started does not have to mean a large upfront commitment.

TOTUM Pro Card

As an e-Careers student, you are eligible to apply for a TOTUM Pro Card, giving you discounts on shops, holidays, days out, and much more.

Cost & payment options

  • Interest-free Finance Options – Spread your course cost with easy, interest-free monthly payments.
  • Affordable Pricing – Quality training priced fairly, with clear costs.
  • No hidden fees – The price you see is the total you pay, with VAT already included.

Eligibility - Who is this course for?

CeMAP Module 1 is open to everyone. There are no formal entry requirements, making it a genuinely accessible starting point for anyone interested in a career in mortgage advice or financial services.

We do recommend that you:

  • Are at least 18 years old (or have the consent of a parent or guardian)

  • Have a solid understanding of the English language

  • Have basic numerical skills

  • Have access to a PC or laptop (compatible with both Mac and Windows)

  • Have access to a secure internet connection

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CeMAP Frequently Asked Questions

What is CeMAP Module 1?

CeMAP Module 1 covers Financial Services, Regulations and Ethics. It is the first of three modules you need to complete to earn the full CeMAP qualification. Module 1 introduces you to the structure of the UK financial services industry, key regulatory bodies, and the ethical standards expected of a professional adviser.

Do I need any prior experience to start the CeMAP Module 1?

No. There are no formal entry requirements. CeMAP Module 1 is designed to be accessible to anyone starting out in financial services, including complete career changers. We recommend having a good understanding of English and basic numeracy.

Can I study CeMAP online?

Yes. Our CeMAP Module 1 course is delivered entirely online through our eLearning platform. You can study at your own pace, attend live tutor classes, and sit your exams online via remote invigilation through LIBF.

How long does CeMAP Module 1 take?

You have 6 months of access. Most students complete the module within a few weeks, depending on how much time they dedicate each week. The flexible format lets you study around work and other commitments.

Are exams included in the course fee?

No. You will need to pay a fee directly to LIBF, the awarding body. This covers your exam, registration, and access to their learning materials.

Where do I sit the CeMAP exams?

All CeMAP exams are sat online via remote invigilation through LIBF. Exams are no longer available at test centres.

What is CeMAP equivalent to?

CeMAP is a Level 3 qualification, equivalent to A-Levels. It is awarded by LIBF, meets the FCA's examination standards for providing mortgage advice, and is registered with Ofqual in the Regulated Qualifications Framework (RQF).

Is CeMAP valid in Scotland?

Yes. CeMAP is widely recognised across England, Wales, and Scotland. While the course is based on the England and Wales syllabus, the Scottish regulatory framework for mortgage law is closely aligned. You can complete this course and apply for a Scottish mortgage adviser's licence without retaking any modules.

What happens after I complete CeMAP Module 1?

After passing Module 1, you move on to CeMAP Modules 2 and 3. You need to complete all three modules to earn the full CeMAP qualification. Once qualified, you will also need to achieve Competent Adviser Status (CAS) before you can give regulated mortgage advice independently.

What is Competent Adviser Status (CAS)?

CAS is confirmation that you are capable of giving regulated mortgage advice without supervision. It is granted by an appointed Supervisor at an FCA-approved firm. This could be a Principal, Director, Training and Competence Manager, Compliance Officer, or a Supervisor specifically appointed by the firm to oversee trainees. Once they are satisfied with your ability, they will sign off on your CAS, allowing you to practise independently or take on a role in the industry. e-Careers can put you in touch with a broker to help you achieve CAS. Get in touch with us for more information.

What does a Mortgage Adviser do?

A Mortgage Adviser helps clients find and secure the right mortgage for their circumstances. Day-to-day responsibilities include assessing clients' financial situations, searching the market for suitable products, negotiating with lenders, and guiding clients through the full application process.

 

Is it worth becoming a Mortgage Adviser?

For many people, yes. It is a client-facing role where you genuinely help people with one of the biggest financial decisions of their lives. Qualified Mortgage Advisers typically start on around £40,000, with the potential to earn £75,000 or more with experience and commission. Roles are available at banks, building societies, and independent brokerages, or you can set up your own practice after achieving CAS.

What jobs can I apply for with a CeMAP qualification?

Once you hold the full CeMAP qualification, you can apply for roles such as:

  • Qualified Mortgage Adviser: average starting salary around £40,000, rising to £75,000+ with experience and commission

  • Mortgage Underwriter: average salary around £30,000

  • Mortgage Administrator: average salary around £24,000

  • Mortgage Sales Manager: average salary around £56,000

  • Mortgage Compliance Officer: average salary around £35,000

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