Current CeMAP Exam Structure & Study Guide
CeMAP now contains five compulsory units across three modules. Use this guide to understand what each unit covers, how it is assessed and how your practice should progress.
Use this Study Hub to make CeMAP revision clearer. It explains the current FSRE and MORT structure (FRE1, FRE2, MRT1, MRT2), what CeMAP 3 requires, and how to build a more effective revision plan around the LIBF syllabus specifications effective July 2026.
Everything you need to understand CeMAP revision
CeMAP can feel dense at first because it spans regulation, ethics, mortgage law and products. This page is here to simplify the current structure.
- How the current CeMAP modules and units are structured
- What FRE1, FRE2, MRT1 and MRT2 cover
- Why CeMAP 3 (ASEW/ASSC) is compulsory
- Current unit formats and pass marks
- A practical sequence for topic quizzes and mocks
- How to use this independent revision tool alongside official LIBF materials
If you want detailed answers on modules, exams and registration, read our CeMAP FAQ.
How the current CeMAP qualification works
LIBF Level 3 Certificate in Mortgage Advice and Practice (CeMAP), awarded by LIBF (part of Walbrook Institute London). Three compulsory modules and five compulsory units. Official assessments are delivered electronically through LIBF's Brightspace platform with remote invigilation. Overall grade is Pass/Fail; individual units can be passed at pass, merit or distinction level.
CeMAP 1 — FSRE
Financial Services, Regulation and Ethics. Units FRE1 and FRE2. Each unit: 1 hour, 40 marks, 70% pass mark, standalone MCQs plus case studies.
CeMAP 2 — MORT
Mortgages. Units MRT1 (50 standalone MCQs) and MRT2 (40 standalone MCQs). Each unit: 1 hour, 70% pass mark.
CeMAP 3 — ASEW/ASSC
Compulsory synoptic assessment: 2 hours, 6 case studies with 10 linked MCQs each (60 marks). Applies CeMAP 1 and 2 knowledge plus mortgage-protection content.
Independent revision only
This platform supports revision. It does not replace LIBF registration, official learning materials or assessments, and does not authorise mortgage advice.
A Practical Revision Sequence
Good CeMAP revision is not only about memorising answers. It is about understanding why an option is right and applying rules to customer scenarios.
Learn one syllabus area
Read the current official study material first and make concise notes on definitions, rules, roles and product distinctions.
Use an untimed topic quiz
Check understanding while the material is fresh. Read every explanation, including the ones you answered correctly by guessing.
Revisit weak concepts
Use the topic report to return to the source material and correct the reasoning behind mistakes.
Mix topics within the unit
Practise selecting the right rule or solution when the question does not announce its topic.
Add timing and case studies
Use current unit-style mocks after accuracy is consistent. FRE1 and FRE2 require both standalone and linked case-study practice.
Prepare for application
Once CeMAP 2 knowledge is secure, practise applying it to customer circumstances for the compulsory CeMAP 3 assessment.
A practice score is a diagnostic tool, not a predicted official result. Aim for reliable reasoning across the whole syllabus rather than memorising a fixed question bank.
Current CeMAP 1 and CeMAP 2 units
Choose a current unit below, then focus your revision on one learning outcome at a time. Labels follow the published LIBF syllabus; practice questions and explanations on this site are original.
FRE1 — Industry, Regulation and Key Parties
1 hour · 40 marks · 70% pass · 25 standalone MCQs plus 3 case studies with 5 linked MCQs each.
FRE2 — Skills, Principles and Ethical Behaviours
1 hour · 40 marks · 70% pass · 25 standalone MCQs plus 3 case studies with 5 linked MCQs each.
MRT1 — Mortgage Law, Practice and Application
1 hour · 50 marks · 70% pass · 50 standalone MCQs.
MRT2 — Mortgage Products and Post Completion
1 hour · 40 marks · 70% pass · 40 standalone MCQs.
What each unit covers
Use these topic groups to plan revision within FRE1, FRE2, MRT1 and MRT2. For live practice, open the matching subject quizzes on the site.
FRE1 — Industry, Regulation and Key Parties
Financial Markets, Money and Asset Classes
Purpose and structure of UK and international markets; main market types; characteristics of main asset classes.
Government, the Economy and Financial Institutions
Economic and industrial policy, taxation and welfare; Bank of England and financial-institution functions; financial crime.
Consumer Needs and Financial Products
Industry obligations, consumer perceptions, financial needs and priorities, and the functions of product types.
Legal Concepts, Property, Wills and Trusts
Legal entities; power of attorney; contract and agency; property ownership; insolvency; wills, intestacy and trusts.
Development of UK Financial Regulation
Development of regulation, the UK framework, other regulators and external oversight.
FCA, PRA and the FCA Handbook
Objectives, principles-based regulation, enforcement, high-level standards, Training and Competence, COBS, CASS, SM&CR and authorisation.
FRE2 — Skills, Principles and Ethical Behaviours
Advice Process and Client Skills
Communication, fact-finding, assessment, identifying solutions, recommendations and insistent clients.
Fair Outcomes, Conduct and Consumer Rights
Principles for Businesses, conduct rules, prevention of consumer harm, culture, leadership and unfair terms.
AML, Data, Complaints and Compensation
Records and notifications, money laundering, data protection, complaints, FOS and FSCS.
Regulated Advice and Vulnerable Clients
Client relationships, disclosure, adviser charging, cancellation, vulnerability, reviews and due diligence.
Ethics, Professionalism and CPD
Ethical theories and codes, resolving dilemmas, whistleblowing, professional standards and continuing professional development.
MRT1 — Mortgage Law, Practice and Application
Mortgage Definitions and Regulated Contracts
MCOB and legal definitions, including regulated second-charge loans.
Borrower Types, Eligibility and Vulnerability
Residential, commercial, HNW, investor, BTL, consumer BTL, vulnerable and credit-impaired customers.
MCOB, Lender and Adviser Responsibilities
Main mortgage conduct rules and the respective responsibilities of lenders and advisers.
Affordability, Suitability and Ethical Advice
Affordability, suitability, risk, term, fair outcomes and matching solutions to needs.
Property Value, Tenure and Insurability
Construction, location, tenure, covenants, planning, flooding, subsidence and insurability.
Valuations and Surveys
Basic valuations, RICS Home Survey reports, lender requirements and consumer rights.
MRT2 — Mortgage Products and Post Completion
Raising Additional Money
Further advances, remortgages, second-charge lending, bridging finance and later-life drawdown.
Transfers, Amendments, Redemption and Porting
Changing lender or product, moving home, transfer of equity, early repayment and porting.
Arrears, Default and Lender Remedies
Warnings, fair treatment, end-of-term shortfalls, subrogation and MCOB rules on remedies.
Repayment Methods and Interest-Rate Options
Capital-and-interest, interest-only and RIO; SVR, tracker, fixed, capped, collared and discounted rates.
Specialist Mortgages and Home Finance
Flexible, offset, equity release, self-build, BTL, adverse-credit, second-charge and bridging products.
Government Schemes and Islamic Finance
Purchaser incentives, Right to Buy, shared ownership, equity share and Islamic home-finance arrangements.
The live unit and quiz names on this site are pulled from the CeMAP question bank. Use those dynamic pages for detailed practice. Do not treat the withdrawn UKFR/ITFS structure as current.
How to use each study tool
Different tools are useful at different stages of CeMAP revision.
Case-Based Practice
Linked questions that require facts from a customer scenario to be applied consistently.
Browse Quizzes
Use Practice Questions as Part of Your Study
The official LIBF learning materials and current syllabus remain the primary sources for your qualification.
Independent practice is most useful when it helps you retrieve, apply and explain that knowledge—not when it encourages you to memorise repeated answer patterns.
A simple way to approach CeMAP revision
Popular ways to revise
Turn the Syllabus Into a Revision Plan
Choose your current unit, take a short diagnostic quiz and start with the topic showing the largest knowledge gap.