CeRER Courses

What You'll Learn on the CeRER Course

This course gives you a thorough understanding of equity release products, the regulatory framework that governs them, and the advice process you will follow with clients. By the time you sit your exams, you will be ready to advise with confidence on:

• The FCA regulatory framework for equity release
• Lifetime mortgages, how they work and when they are suitable
• Home reversion plans, structure, eligibility, and risks
• Matching the right equity release scheme to each client's needs
• Suitability assessment and the full advice process
• Affordability assessment for later-life lending clients
• The impact of equity release on state benefits and taxation
• Risks to vulnerable customers and your duty of care
• Equity Release Council standards and consumer protections
• Ethical considerations in equity release advice

CeRER Syllabus & Assessment Structure

The CeRER qualification is made up of two units. Together, they cover everything you need to know to give compliant, professional equity release advice.

Unit 1: Fundamentals of Equity Release

This unit gives you a thorough understanding of the equity release market and the regulations that govern the different types of schemes available. You will learn to identify your clients' needs, match the right scheme to their personal circumstances, and consider their future options.

What you will cover:

• The equity release market and how it is regulated
• The different types of equity release schemes available in the UK
• How to identify and understand the needs of different clients
• Matching the right equity release scheme to a client's personal requirements
• Considering clients' future options within the equity release market

Assessment details:

Unit 2: Equity Release Solutions

This unit takes your knowledge into practice. You will learn how to apply suitable equity release solutions to different client circumstances, assess the features and suitability of different products, and provide a holistic assessment of each client's equity release needs.

What you will cover:

• Applying equity release solutions to a range of client circumstances
• Understanding the features of different equity release products and their suitability
• Conducting a holistic assessment of a client's equity release needs
• Evaluating how different products meet, or do not meet, a client's situation
• Advising clients on equity release in a compliant and professional manner

Assessment details:

CeRER 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 CeRER and the registration fee here

Entry Requirements & Who Should Enrol

To enrol on the standalone CeRER course, we recommend you have the following in place:

• The Certificate in Mortgage Advice and Practice (CeMAP) or an equivalent Level 3 qualification
• A solid understanding of the English language
• Basic numerical skills
• Access to a PC or laptop (compatible with both Mac and Windows)
• Access to a secure internet connection
• You must be at least 18 years old, or have the consent of a parent or guardian

No prior experience required for the Professional Mortgage Adviser Package. If you are enrolling on the combined CeMAP and CeRER course, there are no formal entry requirements. The package is designed for anyone who is new to mortgage advice and wants to complete both qualifications from scratch.

Ideal For

This course is best suited to:

• Practising mortgage advisors who want to specialise in equity release
• Specialist equity release advisers looking to formalise their knowledge with a recognised qualification
• Compliance officers working in later-life lending
• Later-life lending specialists seeking an FCA-recognised qualification
• Financial services professionals looking to expand into equity release advice
• Anyone starting a mortgage advice career from scratch, via the Professional Mortgage Adviser Package

CeRER Course Fees & Interest-Free Finance

For full pricing information on our CeRER courses, please get in touch with our team. We will walk you through the options available and help you find the right course for your goals and budget.

All course prices include VAT. The price you see is the price you pay. Please note that a separate fee is payable directly to LIBF, which covers your exam registration, access to their learning materials, and sitting your assessments. This fee is not included in your e-Careers course price.

We offer 0% interest finance and flexible payment plans to make your training as affordable as possible, including options for those with a lower credit score.

Get in touch for pricing and payment options.

How Hard Is the CeRER Exam to Pass?

The CeRER exam is very achievable with the right preparation. Both units carry a 70% pass mark, and most learners who follow a structured study plan and make use of the support available pass first time.

To help you prepare, your course includes:

• Expert-led live classes covering the syllabus
• Recorded sessions so you can revisit anything at any time
• Mock exams to practice under real exam conditions
• Practice questions throughout the course
• Direct tutor support whenever you need guidance

Exam Pass Guarantee

We are confident in the quality of our training. If you do not pass your exam after completing the course with us, you can attend the same training again at no extra cost.

To qualify for the Exam Pass Guarantee, you must:

• Attend all class days and complete all assignments
• Take your exam within 30 days of completing your virtual classroom training
• Request your re-enrolment within 30 days of an unsuccessful exam attempt

Please note that students retaking the course must use the materials distributed during their original session. Failure to provide these materials may result in charges for replacement copies.

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

How Long Does the CeRER Course Take?

How long your training takes depends on which course you choose. The standalone CeRER virtual classroom runs over 2 days, while the Professional Mortgage Adviser Package, which covers CeMAP (Modules 1, 2 & 3) and CeRER together, runs over 11 days. Full details of both routes are covered in the section below.

How You'll Study — Virtual Classroom & Study Materials

All CeRER training at e-Careers is delivered through live trainer-led virtual classrooms. The format is consistent across both courses; the difference is the duration and the scope of what is covered.

Live Trainer-Led Virtual Classroom

CeRER — Virtual Classroom (2 Days): The standalone CeRER course runs over 2 days of live virtual classroom training. Sessions are led by trainers who guide you through both units of the syllabus. All classes are recorded so you can go back and review anything you need to. This course is designed for qualified mortgage advisers who want to add equity release advice to their services.

Professional Mortgage Adviser Package — Virtual Classroom (11 Days): The Professional Mortgage Adviser Package covers CeMAP (Modules 1, 2 & 3) and CeRER across 11 days of live virtual classroom training. This is the complete route for anyone starting their mortgage advice career from scratch, giving you both qualifications in a single, structured programme with full support throughout.

Study Materials & Mock Exams

Everything you need to prepare is included in your course fee:

• Pre-course digital materials — a study planner and guidance to help you prepare before the classroom begins
• Comprehensive printed learning materials — sent directly to your home address before the course starts, used throughout your virtual classroom sessions
• Mock exam sessions — Mock exam sessions — to help you build confidence and get comfortable with the exam format ahead of your LIBF assessments

Exam Pass Guarantee

We are confident in the quality of our training. If you do not pass your exam after completing the course with us, you can attend the same training again at no extra cost.

To qualify for the Exam Pass Guarantee, you must:

• Attend all class days and complete all assignments
• Take your exam within 30 days of completing your virtual classroom training
• Request your re-enrolment within 30 days of an unsuccessful exam attempt

Please note that students retaking the course must use the materials distributed during their original session. Failure to provide these materials may result in charges for replacement copies.

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

Additional benefits included with your course:

• TOTUM Pro Card— available— access discounts at selected stores and websites
• Networking opportunities — connect with other professionals in the mortgage industry
• Trusted training provider — e-Careers has helped over 630,000 people gain new skills and qualifications

Should You Take CeRER Alone or Bundle with CeMAP?

CeRER Career Paths & Earning Potential

Earning your CeRER qualification opens up specialist roles in the UK financial services industry. Here is a look at where it can take you.

What comes after CeRER?

Once you are qualified and practising as an equity release adviser, many professionals choose to broaden their expertise further. Common next steps include pursuing a Diploma in Financial Advice (DipFA) to move into broader financial planning, or building a specialist later-life lending practice by combining your CeMAP and CeRER qualifications. Some advisers also go on to set up their own mortgage and equity release brokerage after achieving Competent Adviser Status (CAS).

Accreditation, Regulation & Awarding Body

The Certificate in Regulated Equity Release (CeRER) 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).

The FCA requires all equity release advisers to hold an appropriate qualification before advising clients. CeRER is on the FCA's approved list, which means that passing your CeRER exams confirms you meet the regulatory standards needed to practise in this area of financial services.

e-Careers is a trusted CeRER training provider. Our courses are aligned with LIBF qualifications and prepare you to sit the LIBF CeRER assessments. Once you pass, LIBF awards you the qualification directly.