How to Become an Equity Release Adviser in the UK - CeRER

How to Become an Equity Release Adviser – CeRER Qualification

To advise on equity release products in the UK, you must hold a specialist FCA-recognised qualification. The required qualification is CeRER – The Certificate in Regulated Equity Release, awarded by the London Institute of Banking & Finance (LIBF), part of Walbrook Institute London. Clarity Financial Training Ltd is a LIBF-accredited learning support training provider, offering CeRER courses for existing mortgage advisers looking to expand into equity release.

CeRER Training Courses – How to become an Equity Release Adviser

What Is CeRER?

CeRER (The Certificate in Regulated Equity Release) is a specialist qualification for advisers who want to advise on:

• Lifetime mortgages
• Home reversion plans
• Equity release solutions

Who Is CeRER Best For?

CeRER is designed for:

• Qualified mortgage advisers expanding into equity release
• Advisers working with later-life clients
• Professionals seeking FCA-compliant equity release permissions

Why Choose Clarity FT for CeRER?

Clarity FT provides structured, exam-focused training aligned to LIBF standards. We have an exceptional first time pass rate.

Key Benefits

• LIBF-accredited CeRER learning support training provider
• FCA-recognised qualification route
• Live classroom and live webinar options
• Distance learning available
• Professionally written printed study materials
• Extensive CeRER mock exam practice included – Mock Quiz Expert
• Tutors with real equity release experience
• We have an exceptional pass record. We have a 100% first time pass rate to date*.

Study Options

• Live classroom training (Potters Bar, Hertfordshire)
• Live tutor-led webinars – (live webinars delivered via Cisco Webex)
• Distance learning

CeRER Mock Exams & Exam Preparation

Our CeRER courses include realistic mock exams designed to reflect LIBF assessment style, helping advisers prepare confidently for their exams.

Expand Your Advice Permissions with CeRER

If you’re an existing mortgage adviser looking to add equity release to your services, Clarity FT offers a trusted, LIBF-accredited CeRER training route with expert support and exam-focused preparation. CeRER is required in addition to CeMAP or equivalent mortgage qualifications.

Skills and role of an Equity Release adviser

An Equity Release adviser will recommend to their clients which is the most appropriate type of Equity Release scheme in order to fulfill their needs and circumstances. Advisers must use their skills and expertise to establish client affordability and suitability from a vast range of products.  Advisers can work as either an employed adviser and get paid a salary or as self-employed where they can charge a fee or receive commission from the lender.

Advisers role:

• Meeting with clients to discuss their current circumstances to establish affordability and suitability.
• Select the most appropriate scheme from the vast range available.
• Explain complex financial information simplistically to clients.
• Explain the features, benefits and risks of the products recommended.

Adviser skills:

• Excellent communication skills, both verbal and written.
• Honest, trustworthy and ethical.
• Numerate.
• Sociable and friendly.
• Hardworking and diligent in order to keep their knowledge up to date.
• Organised – Advisers must be organised in order to maintain adequate records in order to remain FCA compliant.

The Certificate in Regulated Equity Release (CeRER®) is a professional qualification for any candidate who wants to work as an Equity Release adviser. UK financial services are regulated by the Financial Conduct Authority (FCA). CeRER® is a LIBF RQF Level 3 qualification and is recognised by the Financial Skills Partnership. Candidates must be already CeMAP  qualified before they can complete the CeRER qualification.

*  This is based on students notifying us of their success.

Clarity FT is a LIBF accredited CeRER learning support provider.

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