CeMAP (Certificate in Mortgage Advice and Practice) is the primary UK mortgage adviser qualification, awarded by Walbrook Institute London (formerly the London Institute of Banking & Finance, LIBF). Passing CeMAP meets the FCA's competency requirements for advising on regulated mortgage contracts.

What is the CeMAP pass mark?

The pass mark for every CeMAP unit is 70% — for example 28 out of 40 marks on FRE1, FRE2 or MRT2, or 35 out of 50 on MRT1.

How much does cemap·coach cost?

£99 one-off for the full CeMAP course — every unit, no subscription. The whole FRE1 unit and a full timed mock are free, with no card needed.

Can I try cemap·coach before paying?

Yes. All eight FRE1 topics and a full timed mock exam are completely free — no card required. You only need to pay to unlock the remaining units.

Do I sit the CeMAP exam through cemap·coach?

No. cemap·coach is a revision and preparation tool. You register for and sit the official CeMAP exams through Walbrook Institute London, taken online with remote invigilation.

Matched to the Sept 2025 CeMAP & FSRE spec

Pass CeMAP with confidence —
before you sit the exam

PassIQ™ shows your real exam readiness using AI mock tests and weakness tracking across FRE1, FRE2, MRT1, MRT2 & ASEW/ASSC.

Pass CeMAP first time for less than the cost of a resit

No card to start Works offline on your phone One payment, lifetime access

FRE1 · Exam readiness

🔥 27

78%

Exam ready

Pass probability

84%

Likely pass · 5.2h to go

Coach: You're weakest in Topic 4 (Affordability). 20 minutes today could lift readiness ~4%.

Matched to Sept 2025 spec

1,700+ practice questions

Works offline on mobile

One payment · no subscription

Free · 60 seconds · no sign-up

Could you pass CeMAP today?

Answer 4 quick questions and get your PassIQ™ — your readiness score, pass probability, and the exact topics to study first. No account needed.

01 · Qualification

Which qualification?

02 · Timeline

When is your exam?

03 · Availability

Hours available per week?

04 · Experience

Your background?

PassIQ™ · Your Readiness Score

{{ iqScore }} / 100

{{ iqProb }}%

Pass probability

Priority topics to study first

Your study plan

{{ iqHours }} hrs

Topic roadmap

Your personalised study plan is ready

Create your free account to save your PassIQ, unlock the whole FRE1 unit, and continue your personalised study plan.

Free · all of FRE1 included · no card needed

The PassIQ™ system

Built to get you exam-ready

82 READY

Likely pass

Mastery 86%

Mocks 78%

Coverage 90%

Predicts your exam readiness

PassIQ™ blends your quiz mastery, mock scores and topic coverage into a single readiness number — so you always know exactly how close you are to passing.

TopicMastery

Affordability38%

Intestacy & trusts56%

State benefits71%

Consumer Duty87%

Finds your weak topics instantly

Every wrong answer is tracked by topic. PassIQ™ surfaces your lowest-scoring areas and builds targeted drills to fix them — before they cost you marks on exam day.

Module progress

FRE1

92%

FRE2

74%

MRT1

41%

MRT2

12%

FRE1 exam-ready ✓

Tracks progress across CeMAP modules

See your readiness across FRE1, FRE2, MRT1, MRT2 and ASEW/ASSC as you study. Know which units you can book and which still need work.

See it in action

Your study dashboard

cemap·coach

MODULE 1 · FSRE

FRE1 · Industry & Reg.

Unit Home

Learn

Drill

Mock Exam

Flashcards

Progress

🔥

7-day streak

Keep it going!

Dashboard

FRE1 · Industry, Regulation & Key Parties

Upgrade

Exam Ready

72%

▲ 8 this week

Quiz Accuracy

81%

Last 30 questions

Topics Done

5/8

FRE1 coverage

Mock Best

78%

Pass is 70%

Topic Mastery

Financial Services & Regulation88%

Key Mortgage Legislation74%

Consumer Duty & Conduct56%

Affordability & Stress Testing41%

AI Tutor

You asked:

"What's the difference between a DIP and a full application?"

Coach

A DIP is a soft-credit, indicative offer. A full application triggers a hard credit search and underwrites income & affordability in detail. Examiners love this distinction — remember: DIP = conditional, full = committed.

4 modules

FRE1, FRE2, MRT1, MRT2 + ASEW

1,700+ questions

Quiz banks, mocks & drills

Lifetime access

One payment, no subscription

How it works

Three steps to exam-ready

Why people fail

Most people don't fail CeMAP because it's hard

They fail because they revise the wrong topics, don't know what the exam actually weights, and leave mock exams too late. PassIQ™ identifies those problems before exam day.

Revising the wrong topics

Without a readiness score you don't know where your gaps actually are. Most people over-revise topics they already know and under-revise the ones they don't.

PassIQ identifies your real weak spots.

Not knowing the exam format

CeMAP tests specific syllabus points in specific ways. Knowing the content isn't enough — you need to practise the exact question style and time pressure.

Real-format mocks. Same conditions. Every time.

Leaving mocks too late

Most candidates sit their first full mock the week before the exam. By then it's too late to act on what it reveals. The data only helps if you use it early.

Track your pass probability from day one.

Simple pricing

Start free. Pay once. Pass.

Start free, then unlock every unit with a single payment — no subscription, no auto-renew. Lifetime access and free updates, right through to your exam.

Full CeMAP — one payment

Full CeMAP — all 5 units

FRE1, FRE2, MRT1, MRT2 & ASEW/ASSC

£99 one-off

Lifetime access · free updates until you pass

Every topic, lesson & quiz across all five units

Unlimited AI tutor & concept maps

Real-format timed mock exams + weak-spot drills

Smart flashcards & mortgage calculators

Lifetime access + free updates until you pass

Free access & updates until you pass

One payment, lifetime access. If the spec changes or you need more time, your materials keep updating — at no extra cost.

Inside the app

People buy what they can see

Every screen answers one question: what should you do next to pass?

Home — Decision screen

PassIQ score, today’s mission, weak signals

82 READY

Likely pass

Mastery 86%

Mocks 78%

Coverage 90%

🔥 12-day streak

PassIQ™ Assessment

4 questions → score, probability & personalised plan

Priority topicsMastery

Affordability38%

Intestacy & trusts56%

State benefits71%

→ 6.5 hrs to exam-ready

Mock Exam

Real format — 40Q, 60 min, marked against the spec

Mock exam · FRE1 28:14

Question 18 of 40

AI Coach

Exam-accurate explanations, then test yourself

What's the difference between TCF and Consumer Duty?

🎓Coach

Consumer Duty goes further — it requires firms to deliver good outcomes, not just fair treatment.

How we compare

Built for passing, not for browsing

Most courses give you content. cemap·coach gives you a system.

Feature

cemap·coach

Classroom / generic

PassIQ™ readiness score (0–100)

AI tutor — explains any concept instantly

Real-format mock exams, timed per unit

sometimes

Weak-spot detection & targeted drills

Progress tracking per topic

Mobile app — works offline

Matched to current exam spec

varies

One payment — no subscription, no expiry

Study at your own pace

Flashcards & AI concept maps

Classroom comparisons reflect typical UK market offerings. You register and sit exams with your chosen awarding body. cemap·coach is an independent study aid.

Mapped to the live exam

Every topic, mock format and mark scheme follows the LIBF/Walbrook September 2025 specification — standalone MCQs, linked case studies and the real pass, merit and distinction thresholds for each unit.

Study anywhere, even offline

Add cemap·coach to your home screen and it runs like a native app — your lessons, flashcards and progress are saved on your device and keep working without signal. Your AI tutor reconnects the moment you're back online.

Built on the spec

Why people trust it

1,700+

Hand-written questions, mapped to the current specification

Across FRE1, FRE2, MRT1, MRT2 and ASEW/ASSC. Written in-house and mapped to the published LIBF/Walbrook specification. Independent specialist review is in progress.

70%

Pass mark enforced

Every mock is marked against the official 70% threshold. You know exactly where you stand before the real thing.

Monthly fees. Ever.

One payment, lifetime access. No subscription, no expiry. Use it until you pass — all updates included.

Matched to the Sept 2025 spec

Content is structured around the current CeMAP and FSRE syllabus. Updated when the spec changes. Independent — not affiliated with any awarding body.

Free until you’re ready to commit

The whole FRE1 unit is free — eight topics of lessons, quizzes and flashcards, plus a full timed mock. No card. You only pay when you’re convinced it works.

Ready to find your PassIQ™?

Free · 60 seconds · no card needed

Why learners use PassIQ™

Designed for exam readiness, not just revision

1,700+ exam-style questions across all 5 units

Built around the official CeMAP syllabus — FRE1, FRE2, MRT1, MRT2 & ASEW/ASSC

20 full case studies — including a complete six-case ASEW paper, the format that catches people out

Designed specifically for UK mortgage adviser exams

Focused on exam readiness, not just getting through content

Identifies your weak areas before you sit the exam — not after

No guessing what to study

PassIQ™ tells you exactly which topics to tackle next — no spreadsheets or self-assessment needed.

Know when you're ready to book

A single readiness number tells you when to sit the real exam — not guesswork, not hope.

FAQ

Common questions

What is CeMAP?

CeMAP (Certificate in Mortgage Advice and Practice) is the UK's industry-standard Level 3 qualification for mortgage advisers, awarded by Walbrook Institute London (formerly LIBF). Most practising advisers hold it.

Do I need any qualifications to start?

No. There are no entry requirements — no prior qualifications, degree or industry experience needed. You start from the basics.

How is cemap·coach different from a normal course?

Instead of static lessons and PDFs, you get an AI tutor that answers any question instantly, a live exam-readiness score, weak-spot drills built from your wrong answers, and real-format mock exams — all on your phone.

Do I sit the exams here?

No — cemap·coach is your study and practice companion. You register and sit official exams separately with Walbrook Institute London (LIBF) and pay their registration fee.

What's the pass mark?

70% per unit. Grading: 0–69% fail, 70–79% pass, 80–89% merit, 90–100% distinction. Every mock here is marked to those thresholds.

How much does it cost?

£99 one-off for the full course — every unit, no subscription. You get lifetime access and free updates until you pass. The Walbrook exam registration fee is separate.

Can I try it before paying?

Yes — all eight FRE1 topics are free, including the lessons, quizzes and flashcards, plus a full timed mock and a few AI tutor questions. No card needed to start.

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