Become a Qualified Mortgage Adviser with CeMAP
If you’re looking to become a mortgage adviser in the UK, CeMAP is where it starts.
CeMAP (Certificate in Mortgage Advice and Practice) is a Level 3 qualification awarded by Walbrook Institute (previously the London Institute of Banking & Finance)
It’s the industry-recognised qualification that allows you to give regulated mortgage advice, and without it, you simply can’t operate in this space.
But more importantly, it’s the thing that takes you from thinking about a career in finance… to actually being able to build one by applying for roles in the industry.
CeMAP is broken down into three parts:
Module 1 — Financial Services, Regulation & Ethics (FSRE)
The foundation of financial services regulation and ethics. Most people start with this exam (although you don't have too). FSRE is split into two smaller exams:
Unit 1: Regulation, legislation and key parties
Unit 2: Advisers, clients and ethics
Each Exam consists of 40 Multiple Choice Questions. 25 are stand alone questions and 15 are based on Case Study Information Provided.
Pass Mark: 70%
Exam Fee: £310
Module 2 — Mortgages (MORT)
Mortgage products, policies, and how mortgages actually work in practice.
MORT 1: Mortgage law, practice and application
MORT 2: Mortgage products and post-completion
MORT1 consists of 50 standalone multiple choice questions and MRT2 has 40.
Pass Mark: 70%
Exam Fee: £300
Module 3 — Assessment of Mortgage Advice Knowledge (ASSM)
Applying everything you've learned to real client scenarios this is where you learn to actually advise & include your new knowledge on protection.
Pass Mark: 70%
6 case studies with 10 linked MCQs each
Exam Fee: £150
Pass all three and you're fully qualified to give mortgage advice in the UK.
Totally new to CeMAP?
If you have absolutely no idea where to start - this video is for you. If you want to take it to the next level why not book in a completely Free Kickstarter Call with me?
Whether you're at the very beginning of your journey and just need to know where to start, or you've been battling CeMAP for a while & want to talk about study support options, let's jump on a call and get you going in the right direction.
How long does it take?
There's no single right timeline, it's whatever works for you.
LIBF's official guidance is 6 months per exam if you're self-studying from the textbook alone. But with the right structure and support, most of my students move much faster than that. Some pass all three within two weeks using the Fast Track. Others take it steady around a full-time job or kids. Both are completely valid, what matters is having a plan that fits your life, not a generic deadline.
Study Options & Pricing
Fast Track Courses from £559+ VAT
E-Learning Platform from £319+ VAT
121 Coaching from £639+ VAT
Free CeMAP Training
Not sure where to start? This is your first step.
I'll walk you through exactly how CeMAP works, what's actually involved in each exam, the common mistakes people make, and the strategy I teach my own students to pass efficiently — before you spend a penny on anything else.
Why students chose Future in Finance
Most providers cut you off when the course ends, I know because I went through that exact journey. I did an e-learning platform that expired after 6 months, then I did a 5 day fast track course where the support ended at 5pm on the Friday. I started this business to change the way the industry works, so with all of my products you get access to all my courses (and me via Whatsapp) until you're qualified.
I've been where you are, now I teach it the way I wish someone had taught me. But don't just take it from me...
"I took the CeMAP 1,2 and 3 masterclass with Charlotte. She was brilliant, very thorough very supportive and covered everything required for the exams. I struggled to read the textbooks, so if you are easily distracted like me she was worth every penny. I highly recommend her masterclass. I took the CeMAP 2 and 3 course first and gained merits and distinctions. Then I sat the UKFR exam the Saturday morning after takin that course and passed with Merits I'd have been happy just passing but she really drilled in the information needed to pass and do it well. If you're considering the masterclass, book it, you won't regret it."
Charlotte Stapleton
Kaisa
"To anyone that is considering Charlotte's Masterclass -think no longer, just do it! She's amazing and she really wants to you to feel confident and pass the exams I regret not doing it earlier, I've tried to learn myself, I've tried other providers and after nearly 2 years I was nowhere near feeling ready for my exams. After 5 days with Charlotte I booked my exam on Sat morning and passed it 🎊 I can't wait for Cemap 2&3 Masterclass now, thanks to Charlotte I know I can do it 🥳"
Levi Haughton
"Went through my initial journey with the textbook at CEMAP 1 and could not for the life of me wrap my head around it! After finding Charlotte and her podcasts I found myself struggling immensely to understanding to then being able to understand the content and teach friends all of the content she was providing. She brought CEMAP to life and gave constant support to me through my entire CEMAP process to now being fully qualified. I cannot speak highly enough of her, her personal skills and the unique teaching methods catering to mine and others with all of the services provided. I look forward to doing my R05 and all other services provided by Charlotte and FIF."
After more than 18 months of struggling through LIBF's CeMAP's course, I was feeling stuck, overwhelmed and unsure if I'd ever get through it. That all changed when I found Charlotte and Future in Finance. It merely took a matter of weeks and I'm now CeMAP qualified. It feels incredible - I'm still pinching myself! I couldn't have asked for a better CeMAP experience. The course was brilliantly structured and Charlotte made every session, engaging, insightful and genuinely enjoyable. Her teaching style is exceptional; clear, supportive and packed with real-world relevance. She breaks everything down in a way that makes sense. I gained a huge amounts of knowledge, not to mention confidence, thanks to her guidance. She made me believe I could do this - and I did! Charlotte's passion for the subject and dedication to her students, is what really sets her apart. She's not just a tutor - she's a mentor, motivator and absolute expert. If you're lucky enough to learn from her, you'll know exactly what I mean. She is .... simply the best!
Sandra Gardener
Frequently Asked Questions
How quickly can I actually get CeMAP qualified?
If you complete both Fast Track courses (FSRE and CeMAP 2 & 3), you can be fully qualified in as little as 2 weeks. For CeMAP 2 & 3 specifically, many students will sit their exams during the 5-day course and finish the week qualified.
What actually IS CeMAP?
CeMAP is the Level 3 qualification from LIBF that you need to give regulated mortgage advice in the UK. It covers regulation and ethics, mortgage products, and applying that knowledge to real client scenarios.
What's the difference between a Fast Track & 1:1 Coaching?
Fast Track is a structured 5-day live course built for speed. 1:1 Coaching is fully personalised around your schedule and pace, with regular sessions and full e-learning access alongside it.
Will I need to buy anything else?
Just the exams themselves, but you don't need to do this until you're ready to actually sit the exams, so study for them first.
How much are the exams?
FSRE is £310, CeMAP 2 is £300, and CeMAP 3 is £150. You can choose to pay as you go or bundle them depending on your preference.
When do I sit the exams?
For CeMAP 2 & 3, I’ll guide you on when to sit each exam throughout the week so you’re not left guessing. The goal is for you to sit them at the right time and build momentum as you go.
What if I fail an exam?
If that happens, you’ll leave with a clear plan on exactly what to focus on for your resit. You’ll still have access to the e-learning platform and materials to support you.
Is this better than e-learning or 1:1 coaching?
It depends on you.
If you want flexibility, e-learning is best.
If you want a fully personalised approach, 1:1 coaching is ideal.
If you want this done quickly with structure and support, the Fast Track is the best option.
What happens if I don't pass first time?
First up, don't stress. A first time pass doesn't come for everyone and it's generally completely dependent on things like past exam experiences, overall self confidence levels and of course nerves. Regardless I guarantee to support you until you're qualified.
What happens after I qualify?
You’ll have the knowledge and qualification to step into the industry, and I’ll guide you on your next steps so you’re not left wondering what to do next.