For sale used but in good condition Study manual - Mortgages including Assessment of Mortgage Advice!!!

covering an essential Module for your CeMAP, CeLTM, CSP

The book contains NO handwritten notes, highlights etc.

Pass your exam with confidence.

I can't emphasise enough how useful was this book when I was studying for my CeMAP!

I will also attach various Revision Notes, Specimen Exams in electronic format to the successful bidder free of charge!

Mortgages syllabus

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 - Mortgage Law, Policy, Practice and Markets

Covers:

• Definition of a mortgage
• House buying process
• Common types of borrower
• Mortgage Contact of Business (MCOB) rules and the legislation
• The role of the 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

Unit 4 - Mortgage Applications

Covers:

• 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.

Unit 5 - Mortgage Payment Methods and Products

Covers:

• 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.

Unit 6 - Mortgage Arrears and Post-Completion Issues

Covers:

• 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.

I have also got other ifs books for sale and happy to sell them as a whole lot. Please email for details.

1. UK Financial Regulation
2. Investments Risks
3. Retirement Planning and Protection (incl. Assessment)

POSTAGE paid for by the successfull bidder:

1. First class recorded £5.00

2. Next Day £8.65