Reference Quantity: ST0182

Particulars of ordinary

The Mortgage Recommendation Market

Mortgage recommendation is supplied by a lot of various kinds of companies; direct to client by way of banks & constructing societies and likewise through mortgage intermediaries within the type of unbiased brokers or advisers linked to an Property Agent or New Houses Developer. As a result of modifications in regulation, together with the ‘Mortgage Market Assessment’, the position of the Mortgage Adviser has turn into extra technical, with elevated regulatory necessities and has led to a rise in demand for certified practitioners within the sector.


The Function

The position of a certified mortgage adviser is to establish and fulfill buyer mortgage necessities and related safety wants, by way of totally compliant regulated conferences. These conferences can happen in a wide range of environments, relying on the kind of employer together with nose to nose (both in enterprise premises or in a buyer’s dwelling) or over the phone. Along with giving recommendation on acceptable mortgage merchandise, the mortgage adviser additionally advises on associated safety merchandise together with life assurance, essential sickness, accident, illness and unemployment, revenue safety and buildings and contents insurance coverage.

This apprenticeship gives a perfect entry level for a profession within the mortgage recommendation sector or for potential development into different Monetary Providers roles and might entice candidates from varied backgrounds with differing abilities and expertise.



What’s required

Business and firm understanding

A broad consciousness  of the construction of the Monetary Providers trade and an in-depth data of the construction of their very own firm; the aim of the position during which they work and the way this interacts with key roles related to the mortgage recommendation course of e.g. Buyer Advisers, Underwriters, Product Suppliers and Compliance.

Regulatory and compliance

Understands the Monetary Providers authorized and regulatory framework, company threat/governance frameworks and might establish how the related components of those frameworks apply to their position. This can embrace what constitutes acceptable market, enterprise and private conduct.


Understands the aim and technical content material of the merchandise suggested (licensed) by the position, together with the client want that’s met by the product, together with the associated fee/profit to the client

Methods & processes

Understands the programs and instruments required to course of a mortgage, and to efficiently ship the position outcomes. Has consciousness of how these match throughout the wider firm & trade. Demonstrates an understanding of colleague’s related roles and the way these work together, to be able to fulfil a totally compliant mortgage recommendation course of.

Buyer Service

Is aware of the rules/instruments of fantastic customer support and firm requirements required within the position to be able to fulfil buyer wants.

Business consciousness

Has an consciousness of the broader mortgage sector, its clients, opponents and suppliers and the necessity for environment friendly and value efficient practices for the corporate to achieve success. Understands the native market during which they function, find out how to maintain updated with trade developments and the necessity to construct a community {of professional} contacts to assist the event of their enterprise.


What’s required

High quality service supply

The power to elicit buyer’s wants by way of efficient truth discovering and questioning strategies and supplies options thorough analysis and evaluation. Can plan and prioritise workloads and ship all required outputs to clients and colleagues; reaching all inner requirements (e.g. service requirements, accuracy, consideration to element, assembly required threat, regulatory and governance necessities).


Has top quality written and verbal communication abilities and is ready to deal with a spread of conditions and points that come up. Has the power to speak successfully with clients, colleagues, skilled contacts and third social gathering product suppliers.


An understanding of regulatory necessities by working compliantly, together with knowledge safety and treating clients pretty. Determine particular threats to the enterprise and act appropriately in keeping with regulation and governance. E.g. guaranteeing that confidential data is barely shared with the related folks.

Relationship improvement

The power to establish, generate and develop relationships that assist the position. E.g. skilled contacts, new enterprise alternatives by way of inner/exterior networking and buyer referrals.

Utilizing programs & processes / Technical means

Adheres to all related processes and procedures utilizing technical means and proficient IT abilities to ship constructive outcomes for purchasers and the enterprise, throughout the threat, regulatory and governance necessities.


What’s required


Shows honesty & integrity in actions and method to work and shoppers, demonstrating the precept of utmost good religion. E.g. acts truthfully when coping with buyer queries, guaranteeing they’re handled pretty while upholding model values.


Has a willingness to simply accept altering priorities and work patterns when new jobs must be carried out, or buyer circumstances or necessities change.

Achievement focussed

Meets private commitments and expectations. E.g. finishing work, private improvement and time holding. Achieves Key Efficiency Indicators and firm deliverables while delivering compliant buyer outcomes. Tenacious find the very best options.

Drawback fixing

The power to transcend the apparent, if the specified final result is more difficult. Stays constructive in difficult conditions, searching for other ways to realize the specified final result for the client.

Workforce working & collaboration

Constantly helps colleagues & collaborates to realize outcomes. Conscious of their position throughout the workforce & their affect on others.


The apprenticeship will usually take 12-18 months to finish.


Apprentices with out stage 2 English and Maths might want to obtain this stage previous to completion of this apprenticeship. The apprentice shall be required to finish one of many following {qualifications}; The London Institute of Banking & Finance Certificates  in Mortgage Recommendation and Follow’ (LIBF) , the ‘Certificates in Mortgage Recommendation’ (the Chartered Insurance coverage Institute) or the ‘Mortgage Recommendation and Follow Certificates’ (the Chartered Banker Institute)

The London Institute of Banking & Finance Certificates

Contains the next 3 Modules:

  • Monetary Providers and Regulation (CeMAP1)
  • Mortgages (CeMAP2)
  • Evaluation of Mortgage Recommendation and Data (CeMAP3)

The CII Certificates Contains the next 2 examinations:

  • UK Monetary Providers Regulation and Ethics (CF1)
  • Mortgage Recommendation (CF6)

The Chartered Banker Institute

Contains the next 2 modules:

  • UK Monetary Providers Regulation and Ethics
  • Mortgage Recommendation

Hyperlink to skilled registration 

By passing the apprenticeship, skilled registration might be achieved by utility to the related Skilled or Awarding Physique, with recognised standing as follows:

  • CeMAP’; The London Institute of Banking & Finance
  • ‘Cert CII (MP)’; The Chartered Insurance coverage Institute
  • ‘PMA’; Chartered Banker Institute


Commonplace shall be reviewed after 3 years

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