Overview
The Certificate in Mortgage Advice and Practice (CeMAP) is a UK qualification for people who want to become mortgage advisers.
The qualification is registered with Ofqual in the Regulated Qualifications Framework and meets the Financial Conduct Authority's (FCA) examination standards. It is also part of the Mortgage Adviser Apprenticeship Standard.
Exam pattern
CeMAP has three modules and five units. All exams are multiple choice, taken on a computer, remotely, with invigilation.
| Module | Unit | Exam |
|---|---|---|
| Module 1: Financial Services, Regulation and Ethics | Industry, Regulation and Key Parties | 1 hour, 40 questions |
| Module 1: Financial Services, Regulation and Ethics | Skills, Principles and Ethical Behaviours | 1 hour, 40 questions |
| Module 2: Mortgages | Mortgage Law, Practice and Application | 1 hour, 50 questions |
| Module 2: Mortgages | Mortgage Products and Post Completion | 1 hour, 40 questions |
| Module 3: Assessment of Mortgage Advice Knowledge | Assessment of Mortgage Advice Knowledge | 2 hours, six case studies with 10 linked questions each |
Fees
As listed on the official site in 2026, the full qualification costs 735 GBP and includes study materials and exam entry. If you take it module by module, the total is 810 GBP: 330 GBP for Module 1, 320 GBP for Module 2 and 160 GBP for Module 3. An exam resit costs 120 GBP per unit. Fees may differ if you buy through a training provider.
How to apply
You register online through the provider's registration portal, or contact its customer services team. You have 18 months to finish if you register for the full qualification, or 12 months per module if you register module by module.
After the exam
Once qualified, you can move on to the CeMAP Diploma, a Level 4 qualification for advisers who already hold CeMAP or an equivalent Level 3 mortgage qualification.
CeMAP Diploma
One module, Advanced Mortgage Advice, with two assessments: a 90-minute exam of 50 multiple-choice questions and a coursework assignment.
The recommended duration is six months, and you have up to 12 months from registration.
Registration costs 550 GBP, including study materials and one exam entry. Exam resits cost 120 GBP and coursework resits 230 GBP.
FAQs
How many exams are there in CeMAP?
There are five unit exams across three modules: two in Module 1, two in Module 2 and one in Module 3.
Can I take CeMAP from home?
Yes. The exams are taken remotely with invigilation.
Is CeMAP recognised by the FCA?
It meets the FCA's examination standards, according to the awarding organisation.