For over 25 years, CeMAP has been the leading qualification in the mortgage industry, trusted by professionals and employers alike. We’ve made various improvements over the years to ensure we keep the qualification up to date with developments in legislation, latest technology and the needs of learners and the sector. We’re excited to share what we’re doing to make CeMAP more flexible, relevant, and accessible.
The upcoming changes we’re making for new learners from 30 September will:
allow learners to study and take assessments by individual unit rather than by full module
provide refreshed content to better reflect the evolving needs of the industry
offer an enhanced online learning experience to support a range of learning styles and preferences. This includes video and audio clips, case studies, regular assessments, and a free specimen exam paper for each unit
provide exams online through Brightspace via remote invigilation– this is the same platform learners access for their studies and gives them full control of their exam schedule.
Rest assured, both the current and updated versions of CeMAP continue to meet FCA standards.
What is changing?
The table below provides an outline of the current CeMAP structure, and the new structure we are introducing from 30 September. There will still be three modules, but for modules one and two, learners will be able to study and be assessed for individual units within the module.
Learners will also take exams online through our Brightspace learning platform. This is the same platform you use for your CeMAP studies. There is more information below about exams on Brightspace.
As part of the updates we are making to CeMAP, we are replacing the current module 1 of the qualification (UKFR) with a new module, Financial Services, Regulation and Ethics (FSRE).
FSRE is already a widely-recognised module, and is included in LIBF’s Diploma for Financial Advisers (DipFA). Replacing UKFR with FSRE creates a consistent foundation in regulation and ethics across LIBF’s regulated qualifications, making it easier for learners to progress through different areas of financial services education. FSRE also provides a more comprehensive and current overview of the UK financial services environment, covering not just regulation but also ethical standards, the role of financial institutions, and the economic context. These are all crucial topics for a modern mortgage adviser.
Having FSRE as a standard introduction module is a major improvement for learners who might want to study other financial services qualifications in the future. Learners who complete FSRE can transfer credits to DipFA. This reduces duplication and study time, and helps learners to gain a broader understanding of the whole financial services sector.
Current CeMAP | New CeMAP (from 30 September 2025) |
|---|---|
For initial exam, both units sat together (2-hour exam)
o Introduction to Financial Services Environment and Products (ITFS) o UK Financial Services and Regulation (UKFS)
Each unit is assessed by 50 multiple choice questions (MCQs), with a 70% pass mark | Module 1 - Financial Services, Regulation and Ethics (FSRE)
Exams for each unit can be sat separately online (1 hour each)
o Industry, Regulation and Key Parties (FRE1) o Skills, Principles and Ethical Behaviours (FRE2) Each unit is assessed by 25 MCQs and 3 case studies with 5 associated MCQs per case study. The pass mark for each unit is 70% |
Module 2 -Mortgages (MORT)
For initial exam, all four units are sat together (2-hour exam)
o Mortgage Law, Policy Practice and Markets (MLPP) – 25 MCQs
o Mortgage Applications (MAPP) – 25 MCQs
o Mortgage Related Protection Products (MRPP) – 20 MCQs
o Mortgage Payments Methods, Products and Post-completion Issues (MAPC) -30 MCQs
The pass mark for each unit is 70% | • Module 2 - Mortgages (MORT)
Exams for each unit can be sat separately online (1 hour each) o Mortgage Law, Practice and Application (MRT1) – 50 MCQs o Mortgage Products and Post-Completion (MRT2) – 50 MCQs
The pass mark for each unit is 70% |
• Module 3 - Assessment of Mortgage Advice Knowledge (ASSM)
2-hour exam – 6 case studies with 10 MCQs each
The pass mark for this is 70% | • Module 3 - Assessment of Mortgage Advice Knowledge (ASSM)
2-hour exam – 6 case studies with 10 MCQs each
The pass mark for this is 70% |
We appreciate you may have some questions about how these changes affect you. We hope we have provided the answers below, but if there is anything you are unsure about, please contact us at customerservices@libf.ac.uk or +44 (0)1227 818609.
Transition and exemptions
We will stop examining the current version of CeMAP on 12 January 2026. From this date you will only be able to sit exams online on Brightspace under the new structure of CeMAP.
If you have completed units or modules from the current version of CeMAP by the date you transfer over to the new format, we can give exemptions for some of the new units.
Please refer to the table below, which shows what your current module / unit completions are the equivalent to:
A new way of taking exams!
Any learners who complete the new version of CeMAP will sit their exams through online invigilation on our Brightspace learning platform. You will be familiar with this as this is where you log in to access your course site.
Remote invigilation on Brightspace offers:
Convenience: Sitting your exam via Brightspace also allows for a comfortable and familiar setting, saving time and reducing the stress of travelling to a test centre
Ease of access: You can use any PC/laptop to sit your exam
No need to book in advance: You can sit your exams whenever you are ready, within your registration period. No pre-booking is required and you can take your exam on any day and at any time.
Seamless exam experience: Brightspace offers an intuitive, user-friendly interface with features designed to make your exam experience as smooth as possible. Fully integrated exams remove connectivity issues and are optimised for low-bandwidth environments/intermittent connections - less than 1% of users need support!
No software install: No plug-ins or extensions are required
As you'll need to conduct a 360-degree scan of your testing area immediately before sitting your exam, you will need to ensure that your equipment is in full working order and can be manoeuvred. You are not allowed to take toilet breaks during your exam.
If you are using a work device or connecting to a VPN, this can sometimes cause firewall issues. You should ask your company to whitelist the below domains to avoid any potential firewall problems on the day:
*.learnosity.com
*.atomicjoltappsie.com