CeFA 1, CeMAP 1,2&3 PACKAGE - STUDY GUIDES & Q&As 09/10

CeMAP® REVISION PACK

It covers everything you need to learn in order to be

CeMAP qualified and become a Mortgage Advisor

The CD-ROM contains a complete

CeMAP Revision Guide + thousands of Questions and Answer

It Covers CeMAP 1, 2 and 3 exams and CeFA 1

The product I am offering will cover all the areas in the CeMAP 1, 2, & 3 syllabuses

Please Note

All 2009/10 updates are included in the Material

The CD ROM covers the following areas:

UK Financial Regulation –

Module 1

UK Financial Regulation is a broad-based module that focuses upon the purpose and structure of the UK financial services structure.  The module is split into two units, focusing on the financial services environment and regulation of the environment respectively.

UNIT 1 & 2

• UK financial services industry structure
• Financial asset classes
• Financial services products
• Financial advice and regular reviews
• Legal concepts
• UK taxation and social security systems
• Inflation, interest rate volatility
• Non tax laws
• FSA regulations
• FSA's conduct of business rules
• Anti-money laundering rules
• Complaints and compensation
• Data Protection Act 1998

Mortgage Law, Policy, Practice and Markets - Module 2

The Mortgages module is split into four units and focuses upon, law, practice policy and markets, application, payments methods and products and post completion issues.

Unit 3

• Definition of a mortgage
• House buying process
• Common types of borrower
• Mortgage Contact of Business (MCOB) rules and the legislation
• The role of mortgage adviser
• Additional security
• Fees and charges
• Value of property
• Valuation and surveys
• Repayment options
• Mortgage products and interest rates
• Mortgage associated insurance
• Raising additional money
• Transferring mortgages
• Debt consolidation
• Breaches of the Mortgage Deed
• State provisions

Mortgage Applications

Module 2

Unit 4

• The role of a mortgage advisee and the importance and principles of providing advice, including the key factors affecting the advice given;
• The implications for consumers of 'gazumping' and 'gazundering';
• The fees and charges involved in arranging a mortgage, where these apply, the services they cover, when they become due, which are refundable and how the opportunity for refunds diminishes as the process nears completion;
• The principal factors affecting the value of property, including their implications for consumers seeking mortgages and when consumers should be referred for specialist advice;
• The different forms of valuation and survey and which might be appropriate for different properties and/or the borrower's circumstance;
• The need to obtain Local Authority planning consent for house developments/extensions.

Mortgage Payment Methods and Products

Module 2

Unit 5

• The key features of the different types of mortgage repayment options and their benefits for different types of borrower;
• The key features of the common types of mortgage product and interest rate options;
• The structure and features of other types of mortgage and when they might be suitable for borrowers;
• The main features and functions of different forms of life assurance and other insurance (e.g. mortgage payment protection insurance (MPPI); life; accident; sickness and unemployment (ASU) insurance; building insurance; contents insurance) associated with arranging a mortgage.

Mortgage Arrears and Post-Completion Issues

Module 2

Unit 6

• The principles and procedures associated with raising additional money and the circumstances when further borrowing might be appropriate;
• The principles, procedures and costs associated with transferring mortgages;
• The principles of using mortgages within debt consolidation arrangements;
• The implications for the borrower of the non-payment of mortgages, other breaches of the Mortgage Deed, non-payment of building insurance and the options available;
• The legal rights and remedies available to lenders in respect of non-payment from borrowers;
• The main provisions made by the State to assist consumers in the difficulties over the repayment of mortgages.

Assessment of Mortgage Advice Knowledge

Module 3

The final knowledge assessment module requires you to apply the knowledge and understanding of modules one and two, by applying suitable mortgage solutions within the regulatory and ethical framework.

Assessment Requirement:

• Analyse consumer’s circumstances
• Apply mortgage solutions
• Identify consumer’s needs and make suitable recommendations
• Understand the advice process, UK Finance industry and the different types of mortgage solutions

This is a perfect exam preparation

CD-ROM CONTAINS

Study guide and revision notes for CeMAP 1, 2 & 3

1000's of Practice Questions which will help you improve

Past Exam papers and a full practice session to evaluate your exam preparation

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