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Become a Mortgage Adviser

Become a Mortgage Adviser

Become a mortgage adviser

To become a mortgage adviser candidates must first pass a professional qualification such as The Certificate in Mortgage Advice and Practice (CeMAP®). CeMAP is the benchmark professional qualification for any candidate that wants to provide UK mortgage advice as a mortgage adviser. UK mortgages are regulated by the Financial Conduct Authority (FCA), which requires all advisers to attain the relevant qualification before they can do so. CeMAP  is a London Institute of Banking and Finance Regulated Qualifications Framework (RQF) Level 3 qualification and is listed as an appropriate qualification recognised by the FCA. There are no entry requirements to commence the CeMAP qualification. 

Skills and role of a Mortgage adviser

A mortgage adviser will recommend to their clients which is the most appropriate type of mortgage in order to buy a property. Advisers must use their skills and expertise to establish client affordability and suitability from a vast range of products. Advisers must also assist their clients to protect their mortgage and property by selling the most appropriate insurance products including life cover, income protection and property insurance. 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 and insurance company.

Advisers role:

  • Meeting with clients to discuss their current circumstances to establish affordability and suitability.
  • Select the most appropriate products 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 Mortgage Advice and Practice (CeMAP) is a professional qualification for any candidate who wants to work as a mortgage adviser. UK financial services are regulated by the Financial Conduct Authority (FCA). CeMAP® is a London Institute of Banking and Finance RQF Level 3 qualification and is recognised by the Financial Skills Partnership.

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