LIBF Level 3

Certificate in Mortgage Advice and

Practice (CeMAP®)
Qualification specification
Published January 2024

Contents
Purpose of the qualification ...................................................................... 3
Why study the LIBF Level 3 Certificate in Mortgage Advice and Practice
(CeMAP®)? ................................................................................................................................. 3
Objectives and key content areas ....................................................................................... 3
Key skills developed ............................................................................................................... 3
Structure ..................................................................................................................................4
Qualification delivery ................................................................................. 5
Total Qualification Time (TQT) ............................................................................................. 5
Assessment ..............................................................................................................................6
Preparing for the assessment ..............................................................................................6
Qualification grading............................................................................................................... 7
Resit attempts ......................................................................................................................... 7
Additional information ............................................................................... 7
Entry requirements ................................................................................................................. 7
Recognition of prior learning ................................................................................................ 7
Progression and preparation for further study ................................................................. 7
Apprenticeships.......................................................................................................................8
Preparation for employment.................................................................................................8
Appendices .................................................................................................. 9
Appendix 1 – Unit 1 – Introduction to Financial Services Environment and
Products (ITFS) ....................................................................................................................... 9
Appendix 2 – Unit 2 – UK Financial Services and Regulation (UKFS) .......................... 9
Appendix 3 – Unit 3 – Mortgage Law, Policy Practice and Markets (MLPP) ............... 9
Appendix 4 – Unit 4 – Mortgage Applications (MAPP) ................................................... 13
Appendix 5 – Unit 5 – Mortgage Related Protection Products (MRPP)....................... 16
Appendix 6 – Unit 6 – Mortgage Payments Methods, Products and Post-
completion Issues (MAPC) ................................................................................................... 19
Appendix 7 – Unit 7 – Assessment of Mortgage Advice Knowledge (ASSM) ............ 23

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Purpose of the qualification

Why study the LIBF Level 3 Certificate in Mortgage Advice and Practice
(CeMAP®)?
The Certificate in Mortgage Advice and Practice (CeMAP®) meets the education standard
required by the Financial Conduct Authority (FCA) of anyone wishing to achieve a ‘licence to
practise’ and work as a mortgage adviser.

Objectives and key content areas

CeMAP® develops specialist knowledge and skills by introducing you to the purpose and
structure of the UK financial services industry. Within this, it provides a solid introduction to
the mortgage advice sector, by exploring the rules and regulations that govern the sector
and the factors that impact on personal financial plans.

Throughout the programme, you will understand the:

• purpose and structure of the UK financial services industry;

• Financial Conduct Authority (FCA’s) main aims, activities and relevant Conduct of
Business rules;

• house-buying process and parties involved;

• different types of customer and their needs for different types of mortgages; and

• assessment of affordability and suitability of different mortgage options and

associated protection products.

Key skills developed

The qualification will encourage you to:

• develop an understanding of how mortgage-related financial products respond to the

drivers and implications of changes in the wider environment and how these changes
affect an individual’s financial decision-making;

• demonstrate numeracy skills, including the ability to manipulate financial and other
numerical data;

• use appropriate data and information from a range of sources to make financial
decisions; and

• enhance your ability to work and learn independently.

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Structure
CeMAP® is made up of seven mandatory units within three modules which need to be
successfully completed to achieve the certificate:

Certificate in
Mortgage Advice
and Practice

Module 3 –
Module 1 – UK Financial Module 2 – Assessment of
Regulation Mortgages Mortgage Advice
Credits: 13 Knowledge
Credits: 9
Total Unit Study Credits: 2
Total Unit Study Time:
88 Time: 129 Total Unit Study Time:
24

Module 1 - UKFR

• Unit 1: Introduction to Financial Services Environment and Products (ITFS)

Credits: 5

Total Unit Study Time: 50

• Unit 2: UK Financial Services and Regulation (UKFS)

Credits: 4

Total Unit Study Time: 38

Module 2 - MORT

• Unit 3: Mortgage Law, Policy, Practice and Markets (MLPP)

Credits: 3

Total Unit Study Time: 30.5

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• Unit 4: Mortgage Applications (MAPP)

Credits: 3

Total Unit Study Time: 30.5

• Unit 5: Mortgage Related Protection Products (MRPP)

Credits: 2

Total Unit Study Time: 22.5

• Unit 6: Mortgage Payments Methods and Post-Completion Issues (MPMC)

Credits: 5

Total Unit Study Time: 45.5

Module 3 – ASSM

• Unit 7: Assessment of Mortgage Advice Knowledge (ASSM)

Credits: 2

Total Unit Study Time: 24

Qualification delivery

Total Qualification Time (TQT)

Total Qualification Time (TQT) is a prediction of the total time a student with no prior
knowledge might need to complete the course.

TQT consists of two elements, Guided Learning (GL) and all other hours:

• Guided Learning (GL) comprises study time under direct teacher supervision,
encompassing instructional sessions and supervised examinations.

• All other hours include hours spent unsupervised in research, learning, e-learning, e-
assessment, completing coursework, exam preparation, and formal assessments.

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CeMAP® is primarily considered as a distance learning qualification with on-demand

examination sessions.

Guided Learning Hours 6 hours

Other hours 235 hours

Total Qualification Time 241 hours

Assessment
All components and units are mandatory and assessed.

Module 1 – UKFR

• Units 1 & 2: Each unit comprises 50 stand-alone multiple-choice questions (MCQs).

You need to achieve at least 35/50 (70%) to pass each unit.

Module 2 - MORT

• Units 3 & 4: Each unit comprises 25 stand-alone multiple-choice questions (MCQs).

You need to achieve at least 17/25 (68%) to pass each unit.

• Unit 5: This unit comprises 20 stand-alone multiple-choice questions (MCQs). You

need to achieve at least 14/20 (70%) to pass this unit.

• Unit 6: This unit comprises 30 stand-alone multiple-choice questions (MCQs). You

need to achieve at least 21/30 (70%) to pass this unit.

Module 3 - ASSM

• Unit 7: This unit comprises 6 case studies each with 10 linked MCQs. You need to
achieve at least 42/60 (70%) to pass this unit.

Preparing for the assessment

Examinations are sat electronically at any one of the Pearson VUE test venues worldwide or
via Remote Invigilation in permitted locations where you can sit your assessment remotely.
You must be registered to sit an examination at a test venue of your choosing (subject to
demand/availability); this is managed by you. It is recommended that you book your exam
three weeks in advance of the date you wish to sit. However, subject to availability, an
examination can be booked as little as two working days in advance. Examinations can be
booked via the Pearson VUE website or by phone. Please visit the Pearson VUE website for
further information.

To prepare for the assessment you should make use of all learning resources as part of your
revision for the exam.

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Qualification grading
The overall qualification will be graded Pass/Fail only. However, you will be able to achieve
passes at merit level and distinction level within each unit of CeMAP®.

Individual unit grading is detailed further within each unit appendix.

Feedback is provided via analysis sheets available on MyLIBF, to see your strengths and
areas to develop.

Resit attempts
The qualification has a twelve-month registration period for each module. There are no
restrictions on the number of times you can resit a unit in which you were unsuccessful,
however, you must resit the unit in accordance with the published policies of LIBF.

Additional information

Entry requirements
There are no entry requirements. However, you need to be satisfied of your ability to study
in English at RQF Level 3.

Recognition of prior learning

LIBF recognises prior learning in different forms. Potentially, this means that you may not be
required to register for every unit. Details of how to apply for recognition of prior learning
are available on our website.

Successful completion of the Level 3 Certificate in Protection (CertPro) provides an

exemption to Unit 5, Mortgage Related Protection Products (MRPP) of CeMAP® or equivalent.

Progression and preparation for further study

If you wish to achieve a further licence to practise and provide advice on equity release
products, CeMAP® forms part of the Certificate in Regulated Equity Release (CeRER®). If you
have completed CeMAP® you could also progress to the Level 4 CeMAP Diploma.

As a free-standing qualification, CeMAP® provides a platform for continued study within the
financial services sector and a wide range of other business-related disciplines.

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Apprenticeships
CeMAP® appears in the Mortgage Adviser Apprenticeship Standards and is designed to
provide a solid foundation in financial services that underpins employment in many fields
within the financial sector. This foundation is across a wider range of opportunities than
would be found within a single apprenticeship standard.

Further details can be found on the Government website.

Preparation for employment

CeMAP® meets the FCA’s education standard required for mortgage advisers. It also
develops knowledge and understanding of financial services and mortgage advice and
enhances skills that are valued within the sector and others.

You will be in a position to make an informed choice, whether to pursue a career within the
financial services sector immediately or after further study. You may also apply the financial
skills that you have developed to other careers or study options.

If you are seeking to continue in education, CeMAP® provides a foundation for further study
in business and finance-related disciplines.

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Appendices

Appendix 1 – Unit 1 – Introduction to Financial Services Environment and

Products (ITFS)
The ITFS unit descriptions and syllabuses can be found within the UKFR qualification
specification.

Appendix 2 – Unit 2 – UK Financial Services and Regulation (UKFS)

The UKFS unit descriptions and syllabuses can be found within the UKFR qualification
specification.

Appendix 3 – Unit 3 – Mortgage Law, Policy Practice and Markets (MLPP)

Appendix 3 provides a description of Unit 3 (MLPP) and syllabus which includes the learning
outcomes, assessment criteria and indicative content for the unit.

Assessment methodology

The assessment of Unit 3 has one component:

25 multiple-choice questions. This component of the examination is to be completed in 30

minutes. This component of the examination is worth 25 marks.

This unit is graded as follows:

Grade Mark
Pass 17/25 (68%)
Pass (at merit level) 20/25 (80%)

Pass (at distinction level) 22/25 (88%)

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Unit 3 Learning outcomes and assessment criteria

Learning outcome (LO) Assessment criteria (AC)

The learner when awarded credit for Assessment of the LOs will require a learner to demonstrate that they can:
this unit will:
1. Understand the regulatory definition K1.1 Regulatory definitions as given in MCOB.
of different types of mortgage and
regulated mortgage contracts. K1.2 Legal definition.

K1.3 Definition of a regulated second charge loan.

2. Understand the house-buying England/Wales
process, the key parties involved and
their roles. K2.1a Role of estate agent, valuer, conveyancer and legal adviser.

K2.2a Process to contract exchange, completion and when a contract becomes

binding or private treaty.

OR

Scotland

K2.1b Role of estate agent, valuer and legal adviser.

K2.2b Conditional and unconditional offer

K2.3b Acceptance, conclusion of missives, completion and private bargain.

3. Understand the process and K3.1 Requirement for funding (ie cash and mortgage commitment) to be in place
implications of buying property at up front.
auction.
K3.2 The two methods of purchasing property via auction and the procedures to
complete purchase.
4. Understand the common types of K4.1 Private, residential borrowers, consumer buy-to-let borrowers and second
borrower and how their main charge borrowers.
mortgage-related requirements may

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differ and what factors may disqualify K4.2 Eligible counterparty, commercial borrowers and high net worth.
people from borrowing.
K4.3 Borrowers, property investors, buy-to-let borrowers, mortgage professionals,
business borrowers and vulnerable customers.

K4.4 Those who will face difficulty in borrowing, impaired credit status and
mortgage trapped.

K4.5 Those who cannot borrow.

5. Understand the main requirements U1.1 Role and responsibilities of the lender.
of the MCOB rules and the legislation
affecting mortgages. U1.2 Role and responsibilities of the adviser.

U1.3 Other legislation affecting mortgages:

England

• Consumer Protection from Unfair Trading Regulations 2008 and 2014;

• Contract Law;
• Principles of Agency;
• Consumer credit legislation;
• Legal obligations and guarantors;
• Lenders Rights and Borrowers Covenant;
• Financial Services and Markets Act 2000 and Financial Services Act 2012
(including the Mortgages and Home Finance: Conduct of Business Rules);
and
• Mortgage Credit Directive.
OR

Scotland

Policies, as determined by the Scottish Executive, affecting the mortgage process

and property market in Scotland:

• Matrimonial Homes Act (eg single borrowers require an affidavit);

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• Tenancy Act;
• Mortgage Rights Act;
• Statutory Repair Act;
• Bankruptcy Act (refers to 'sequestration' in Scotland);
• Land Tenure Reform Act;
• Feu disposition (reference Land Certificate in England/Wales); and
• Court decree (reference County Court Judgment in England/Wales).
6. Understand the economic and U2.1 The property market and the main conditions that affect it.
regulatory context for giving mortgage
advice. U2.2 Interest rates and their drivers.

U2.3 The UK mortgage lending sector.

U2.4 Buy-to-let and consumer buy-to-let mortgages.

U2.5 Mortgage and second charge regulation (MCOB).

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Appendix 4 – Unit 4 – Mortgage Applications (MAPP)

Assessment methodology

The assessment of Unit 4 will have one component:

25 multiple-choice questions. This component of the examination is to be completed in 30

minutes. This component of the examination is worth 25 marks.

This unit will be graded as follows:

Grade Mark
Pass 17/25 (68%)
Pass (at merit level) 20/25 (80%)

Pass (at distinction level) 22/25 (88%)

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Unit 4 Learning outcomes and assessment criteria

Learning outcome (LO) Assessment criteria (AC)

The learner when awarded credit Assessment of the LOs will require a learner to demonstrate that they
for this unit will: can:
1. Understand the role of a U1.1 Affordability.
Mortgage Adviser and the
principles of providing advice to U1.2 Suitability.
deliver a fair outcome for the
U1.3 Risk.
customer.
U1.4 Term of a mortgage.

U1.5 Principles of ethical advice, including regulatory guidance (for

example and Treating Customers Fairly).

U1.6 Methods of verifying information supplied by consumers (plausibility).

U1.7 Methods of checking that mortgage solutions match consumer

immediate and long-term needs and circumstances.
2. Understand the use of U2.1 The implications for a lender and borrower of taking additional forms
additional forms of security. of security. higher lending charges, guarantors and surety.

U2.2 The rules and regulations governing additional forms of security.

3. Understand the fees and U3.1 Fees and charges relating to the purchase of the property, including
charges involved in arranging a relevant taxes (Stamp Duty Land Tax and Land and Buildings Transaction
mortgage. Tax) legal / solicitors fees, Local Authority searches, bankruptcy searches,
money transfer costs and environmental searches, eg flooding, mining,
survey fees EPCs and other specialist reports and title indemnity fees.

U3.2 Fees and charges relating to the purchase of the mortgage

arrangement/booking fees, lenders reference fees, land registry fees,
valuation fees, estate agent fees and higher lending charge

U3.3 Fees and charges relating to the provision of mortgage advice broker
fees and mortgage exit administration fees.
4. Understand the principal types K4.1 Main property defects.
of property defects that surveys
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can identify and understand their K4.2 How property defects may affect the lending decision.
implications when seeking a
mortgage, including the options K4.3 Possible remedial works and actions lenders may take.
available to consumers and
K4.4 Guarantee schemes for new homes.
lenders.
5. Understand the principal U5.1 The implications for customers seeking mortgages of the principal
factors affecting the value of factors affecting property values, including but not limited to type of
property. property, location, building materials and any restrictions and age of
property.

U5.2 When customers should seek advice on property values including but
not limited to reinstatement value.

U5.3 The implications for lenders of the principal factors affecting

property values and the security, including but not limited, to multiple
use, vacant possession and buy-to-let rental income.

U5.4 Legal issues affecting property values and the security easements,
including but not limited to, rights of way, due diligence enquiries,
including but not limited, to outstanding disputes, covenants, property
tenure freehold, commonhold and leasehold (England & Wales).

U5.5 Insurability issues and whether it is insurable.

U5.6 Risk of flooding, subsidence and heave, contract guarantees, listed

and heritage.
6. Understand the different forms U6.1 Forms of valuation and/or survey (basic valuation, condition report,
of valuation and survey and which HomeBuyer report and Building Survey).
might be appropriate for different
properties and/or the borrower's U6.2 Requirements of lenders.
circumstances.
U6.3 Rights of the consumer.

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Appendix 5 – Unit 5 – Mortgage Related Protection Products (MRPP)

Assessment methodology

The assessment of Unit 5 will have one component:

20 multiple-choice questions. This component of the examination is to be completed in 24

minutes. This component of the examination is worth 20 marks.

This unit will be graded as follows:

Grade Mark
Pass 14/20 (70%)
Pass (at merit level) 16/20 (80%)

Pass (at distinction level) 18/20 (90%)

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Unit 5 Learning outcomes and assessment criteria

Learning outcome (LO) Assessment criteria (AC)

The learner when awarded credit Assessment of the LOs will require a learner to demonstrate that they can:
for this unit will:
1. Understand the need for 1.1 Understand income and capital protection needs:
financial protection planning. • health, incapacity and accident;
• income, mortgage and other debt;
• death; and
• asset protection (house insurance).

1.2 Identify the relationships between insurance and assets and liabilities.
2. Identify the main sources of 2.1 Identify the main sources of financial protection from:
financial protection. • the state;
• an employer;
• life assurance and pension policies;
• health and other insurance products; and
• asset protection - home, landlord and self-build insurance.

2.2 Understand the main state benefits and limitations that apply to a
mortgage consumer.

2.3 Identify the types of mortgage repayment support available.

3. Identify the regulation of 3.1 Identify pre- and post-contract disclosures, including:
insurance products and how it • demands and needs statement;
provides consumer protection. • illustration; and
• cancellation.
4. Understand the main features 4.1 Understand the features and uses, benefits and disadvantages of life
of life assurance protection assurance and pension-based protection policies and how they meet
policies and options to meet consumers’ needs.
consumers’ financial protection
needs. 4.2 Understand policy definitions, rider benefits and exclusions, including:
• terminal illness benefit;
• assignment;
• surrender;
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• paid-up policies; and

• increasing benefit cover options.
5. Understand the range and 5.1 Understand the features and uses, benefits and disadvantages of
application of income protection income protection policies.
to meet consumers’ financial
protection needs. 5.2 Understand policy definitions and exclusions.

6. Understand the different forms U6.1 Forms of valuation and/or survey (basic valuation, condition report,
of valuation and survey and which HomeBuyer report and Building Survey).
might be appropriate for different
properties and/or the borrower's U6.2 Requirements of lenders.
circumstances.
U6.3 Rights of the consumer.
7. Understand the main features 7.1 Understand personal accident, sickness insurance, accident sickness
of insurance-based mortgage and unemployment.
protection policies.
7.2 Understand the use of payment protection insurance for mortgage
agreements.

8. Understand the needs and 8.1 Identify priorities, risks and choices in selecting financial protection for
priorities in selecting appropriate consumers.
financial protection solutions.
8.2 Understand current, future capital and income needs.

8.3 Identify the suitability of different financial protection product types

and options, particularly:

• understand consumer’s priorities;

• understand existing financial protection policies and features, in
order to consider their continued use;
• identify suitable solutions; and
• identify features and disadvantages of recommended policies.

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Appendix 6 – Unit 6 – Mortgage Payments Methods, Products and Post-

completion Issues (MAPC)

Assessment methodology

The assessment of Unit 6 will have one component:

30 multiple-choice questions. This component of the examination is to be completed in 36

minutes. This component of the examination is worth 30 marks.

This unit will be graded as follows:

Grade Mark
Pass 21/30 (70%)
Pass (at merit level) 24/30 (80%)

Pass (at distinction level) 27/30 (90%)

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Unit 6 Learning outcomes and assessment criteria

Learning outcome (LO) Assessment criteria (AC)

The learner when awarded credit for Assessment of the LOs will require a learner to demonstrate that they can:
this unit will:
1. Understand the principles, U1.1 Further advances.
procedures and considerations
associated with raising additional U1.2 Re-mortgages.
money.
U1.3 Second charge loans.

U1.4 Bridging finance.

U1.5 Lifetime mortgage and home reversion schemes – Further drawdown.

U1.6 Local authority planning consent and building regulations.

2. Understand the principles, U2.1 Transfer of mortgage to a new lender.
procedures and costs of transferring
and amending mortgages. U2.2 Implications of property moves.

U2.3 Converting one mortgage to another.

U2.4 Adding/removing one party from or to a joint mortgage/transfer of equity.

U2.5 Redeeming a mortgage or secured loan before/at the its term.

U2.6 Making additional/lump sum capital repayments on a mortgage, during its

term.

U2.7 Porting mortgages.

3. Understand the implications of U3.1 Implications for consumers and lenders of using mortgages and secured loans
consolidating debt appropriately within debt consolidation arrangements.
within a mortgage.
U3.2 Rules and regulations relating to using mortgages and secured loans within
debt consolidation arrangements.

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U3.3 Risks associated with moving loans from unsecured to secured status.

U3.4 Arrangements with creditors, referring for specialist advice.

4. Understand the implications of the U4.1 The content of a mortgage warning, when this should be issued and ensuring
non-payment of mortgages and other that this is understood.
breaches of the Mortgage Deed.
U4.2 Possible courses of action available to lenders and borrowers.

U4.3 Regulatory requirements regarding the treatment of borrowers in arrears.

U4.4 The implications of legislation, governing the treatment of those in arrears

(Mortgage Rights Act (Scotland).

U4.5 Implications for borrowers and lenders of the non-repayment of capital at

the end of the mortgage term.

U4.6 Ways of advising borrowers in arrears who have differing attitudes to risk.
5. Understand the legal rights and U5.1 Rights of subrogation of insurers to pursue borrowers.
remedies available to lenders in
respect of non-payment from U5.2 Legal remedies on default.
borrowers.
U5.3 MCOB rules and regulations governing the use of remedies on default.
6. Understand the structure and U6.1 The different repayment methods for mortgage arrangements repayment
features of different types of mortgages, interest-only mortgages and interest-only into retirement.
mortgages.
U6.2 The different interest rate options available:
Standard variable rates, tracker rates, fixed rates, capped rates (including capped
and collared) and discounted rates (including cashback/gift-fees help only).

U6.3 The different types of mortgage products and how they suit consumer needs:

• flexible mortgages
• offset mortgages
• equity release (including home reversion plans)
• self-build mortgages
• foreign currency mortgages

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• new build mortgages

• buy to let mortgages
• consumer buy to let mortgages
• adverse credit/sub-prime mortgages
• second charge lending
• bridging finance

U6.4 Implications for the consumer of the under-performance of repayment

options and repayment vehicles used in conjunction with interest-only mortgages.
The different forms of Government-backed incentives for home purchasers,
including help-to-buy and right-to-buy schemes.

U6.5 The different forms of shared ownership arrangements, including shared

ownership mortgages and equity share mortgages.

U6.6 Islamic home finance arrangements.

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Appendix 7 – Unit 7 – Assessment of Mortgage Advice Knowledge (ASSM)

Assessment methodology

The assessment of Unit 7 will have one component:

6 case studies each with 10 multiple-choice questions. This component of the examination
is to be completed in 2 hours. This component of the examination is worth 60 marks.

This unit will be graded as follows:

Grade Mark
Pass 42/60 (70%)
Pass (at merit level) 48/60 (80%)

Pass (at distinction level) 54/60 (90%)

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Unit 7 Learning outcomes and assessment criteria

Learning outcome (LO) Assessment criteria (AC)

The learner when awarded credit for Assessment of the LOs will require a learner to demonstrate that they can:
this unit will:
1. Analyse the key features of An1.1 The different factors that shape a customer’s circumstances.
different mortgage solutions and their
suitability for different customer’s An1.2 Assessing affordability, suitability and sustainability of mortgage solutions.
circumstances.
An1.3 The range of interest rate solutions available to customers.

An1.4 The range of mortgage and protection products available to customers.

An1.5 The different mortgage repayment solutions for customers.

An1.6 The different forms of alternative home finance solutions and government
backed incentives.
2. Analyse the key features of An2.1 The different factors that shape a customer’s circumstances and borrowing
different forms of property purchase purposes in the Buy to Let, second charge and bridging finance marketplace.
and specialist mortgage lending and
their suitability for different An2.2 The different factors that shape a customer’s circumstances and borrowing
customer’s circumstances. for second homes, self-build properties and properties bought at auction.

An2.3 The legal implications and issues associated with a property purchase.

An2.4 The range of solutions in the bridging finance and the second charge
lending market and the suitability of solutions for a customer.

An2.5 The Buy to Let and Consumer Buy to Let customer and suitable mortgage
solutions.

An2.6 The range of solutions available for additional funding on a secured lending
basis.

An2.7 The different taxation implications related to property ownership.

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by any means whatsoever without prior written permission from the copyright holder.

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Published January 2024

3. Apply the rules and regulations A1.1 The rules contained within MCOB relating to mortgage lending.
governing mortgage lending, mortgage
advice and the sale of associated A1.2 The rules contained within MCOB relating to the provision of mortgage advice.
mortgage protection arrangements.
A1.3 The rules contained within ICOB relating to the sale of mortgage-related
insurances.

A1.4 The rules contained within the Consumer Credit Acts for secured lending.

A1.5 The rules contained within MCOB relating to the treatment of those in arrears
and the rules governing legal remedies on default.
4. Apply the principles of ethical and A2.1 The assessment of affordability and the suitability of sustainable solutions
sustainable advice to suit customers’ for mortgage customers.
circumstances.
A2.2 The provision of regulated mortgage advice for property purchasers.

A2.3 The provision of advice relating to the release of further equity for mortgage
customers.

A2.4 The provision of advice to BTL, CBTL customers and property investors.

A2.5 The provision of advice on bridging finance and second charge lending.

A2.6 The provision of advice on other forms of home finance arrangements.

A2.7 The provision of advice on mortgage-related insurance protection

arrangements.

Copyright © LIBF Limited. All rights reserved. No part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or
by any means whatsoever without prior written permission from the copyright holder.

Page 25 of 25