
Develop the next generation of mortgage advisers – using apprenticeship levy funding
CeMAP® is the qualification the mortgage market knows, and it sits at the heart of this apprenticeship. Over 15 months, the Level 3 pathway builds the qualification into a structured programme of learning, workplace mentoring, and professional development – so your apprentice gains the technical knowledge and the practical confidence to advise well. It's a way to grow capability and capacity within your own team, whether you're welcoming someone new to the sector or developing a colleague already with you, using funding available from the apprenticeship levy. We'll support you and your apprentice at every stage.
Book in a call with Walbrook's Business Development Director Sally Plant or register your interest and we'll be in contact soon.
The skills your apprentice will develop
Over 15 months, your apprentice learns to work through the end-to-end mortgage process, assess affordability and suitability, advise on protection, and apply Consumer Duty in practice – studying for LIBF's Certificate in Mortgage Advice and Practice (CeMAP®) alongside a cohort of peers.
Skills develop in three stages: technical knowledge first, applied in your workplace second, then formally demonstrated. Evidence is reviewed with you and your apprentice before competence is confirmed – so you can see exactly how they're progressing, and their contribution to your team grows throughout the programme rather than arriving all at once at the end.
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Duration:
15 months
Qualification:Certificate in Mortgage Advice and Practice (CeMAP®) – the recognised standard for mortgage advisers in the UK
Typical starting salary:£27,000 a year*
*Salary information based on National Careers Service data.
Study model:
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Average one day per week – online sessions, 1:1 personal tutor, self-guided study, and workplace mentoring
What they study:
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The regulatory environment
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Customer understanding
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Mortgage process and legal framework
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Affordability and suitability
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Mortgage products and solutions
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Complex cases and protection
Assessment:
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Portfolio
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CeMAP module exams
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Role play scenario
Grading for this apprenticeship standard is pass or distinction.
Progression:
Progress to senior mortgage adviser or team management roles, with further progression into financial advice through a financial planner apprenticeship or DipFA®.
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Why Walbrook
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Trusted by financial services firms across the UK for over 147 years, with a proven track record in professional financial education.
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We build it and deliver it
The only awarding body delivering its own apprenticeships, qualifications and programmes – aligned in a unified framework. -
Full visibility of progress
Full visibility of your apprentice's progress through regular reporting, scheduled reviews, and real-time access via our learning platform.
Who can enrol
This pathway is flexible – giving you real options in how you build your team:
- School leavers entering financial services for the first time
- Career changers moving into the sector
- People stepping up from administrative roles, in financial services or beyond
- Existing team members you want to formally upskill and qualify
We require school leavers to have achieved a grade 4 or above in both maths and English and all applicants will be subject to an initial assessment.
Walbrook carries out eligibility checks and aligns the curriculum to your business before sign-up begins.
Apprenticeship levy funding
Apprenticeship levy funding is available to employers of all sizes – whether you pay into the levy or not. Here's what that means for your business:-
Levy payers (>£3M payroll)
Use funding from your apprenticeship levy account – 0.5% of pay bill, already contributed monthly. Funds expire after 12 months if unused. Walbrook navigates this for you.
Smaller employers (<£3M payroll)
Access 95% government co-investment – you contribute just 5% in monthly instalments.
Apprentices aged 16–25 (SMEs)
100% of training costs covered – free for the employer.
NI savings
No Class 1 NI contributions for apprentices 25 and under earning below £50,270 – saving approximately £3,000 per year on a £25K salary.
Government grant
£1,000 for every apprentice aged 16–18 at programme start.
How it works in practice
Apprentices will study topics via our online platform before reflecting on what they have learnt with their apprenticeship coach. They will then attend a “live on-line" session along with other members of their cohort which is run by our dedicated trainer.
Apprentices take this knowledge into the workplace where they will shadow staff conducting specified tasks before gradually taking these tasks on themselves. All of this leads to the learners being signed off as competent by the employer under the guidance of the dedicated apprenticeship coach.
Your commitment as an employer is straightforward:
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Assign a workplace mentor – starting with shadowing and progressing to signing off competence as skills develop
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Attend progress reviews every 10 weeks with your apprentice and their Walbrook coach
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Employ the apprentice for at least the full duration of the apprenticeship
What Walbrook handles
You manage your apprentice as you would any member of your team. Everything else is Walbrook's responsibility:
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Recruitment support
Access to motivated candidates through the government's Find an Apprenticeship service -
Programme delivery
Structured, cohort-based learning managed end-to-end by Walbrook -
Pastoral care
Dedicated support for your apprentice's wellbeing, learning, and progress
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Progress tracking
Regular reporting, structured progress reviews, and real-time learner visibility through our learning platform -
Apprenticeship service account support
Structured, cohort-based learning managed end-to-end by Walbrook
Where this leads
At the end of the apprenticeship, each learner will become a fully CeMAP qualified mortgage adviser, ready to offer advice independent of supervission.
Start building your team with Walbrook
Whether you're bringing in new talent or developing the people you already have, we'll help you build a programme that works for your business. Book a call with Sally, our Business Development Director, to discuss your talent strategy – they'll guide you through your pathway options and any questions you might have.