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Guidelines to Pass CeMAP 3

Friday, July 17, 2009

  • Put yourself in someone else's shoes after reading the question. It can be a mortgage broker or a building society manager. Imagine yourself in that persons shoes and then try to answer the question.
  • Though your own product range helps you, always think generic products as the exam is based around generic products not specific ones which you may deal with.
  • CeMAP questions do not use adventurous policies that exist in the market. They usually use very cautious lending policies.
  • Be conscious of all the 3 sections.
  • You have 2 hours to complete your whole paper, i.e. 6 case studies all consisting of 10 multiple choice questions, so we suggest 20 minutes on each case study.
  • Rework on your calculations before submitting the paper.
  • Make a note of key words and phrases from the case study and then try to tackle the questions.
  • Try Mind mapping, to make Mortgage Conduct of Business Rules easier to study
  • Certainly, omit those questions you dont know the answer initially and return to them before you move onto the next case study.
  • Always keep in mind standard multiple choice question strategies and read the question twice without peeping at the answers.
  • Always relate the question back to the case study information as this will help you enormously.
  • In CeMAP 3 paper, a lot of questions link to the next question. For instance, the first question can ask you to choose an appropriate product. The next question will ask a question related to that product. At times, if you are not sure of the answer to question one, also the question likely answers to question 2 may help your memory. So it is an excellent idea to view the other questions for hints at the answers to others.
  • For every question with CeMAP use elimination as it is the finest technique going and can always lead you to an answer that you were not too sure of. Even if you are quite sure of the answer, eliminate the wrong answers as this helps you to keep concentration going.
  • Jot down the key information in a blank piece of paper as you read the case study and always keep yourself active during the exam, this helps in concentration.
  • Keep in mind the methods and older mortgage schemes appear in the exam. For instance, stabilized and low start mortgages havenot been sold since the early 90s but people may still have them and thus they are tested.
  • Try to forget the last case study completely from your mind, before you proceed to the next one.

General idea on CeMAP Qualification

Wednesday, July 15, 2009

Certificate in Mortgage Advice & Practice is known as CeMAP. CeMAP will give you the knowledge and the industry recognized qualification that you need to embark on a successful career within the Financial Services sector. In order to give advice to the public, each and every mortgage consultant in the UK has to clear CeMAP. The CeMAP qualification contains three exams CeMAP 1, CeMAP 2 and CeMAP 3

CeMAP 1 Introduction to Financial Services & Products and UK Regulation:

CeMAP 1 exam gives an overview of the financial services market in the UK. Many people find this exam to be a little intimidating as it covers so many different aspects of financial services

CeMAP 1 is divided into two units Unit 1 is a complete overview of the financial services market And Unit 2 is concerned with the regulation of the financial services industry. You have to answer 50 multiple choice questions in each unit within one hour and the pass marks are 35 (70%).

CeMAP 2 Assessment of Mortgage Advice and Knowledge:

CeMAP 2 consist of four units where Unit 3 involves the law in relation to mortgages, Unit 4 covers mortgage applications, Unit 5 deals with mortgage repayments and products and Unit 6 outlines post completion issues. Each unit contains 25 multiple choice questions and you should get 17 correct answers on each unit (68%).

CeMAP 3 Synoptic Paper:

In CeMAP 3 you need to answer 10 questions on each of 6 case studies which make a total of 60 questions. To clear the exam you need to answer correctly 42 questions out of 60(70%). The content of CeMAP 3 is same as the CeMAP 2.

Who can benefit from home study of CeMAP training?

Wednesday, July 1, 2009

Certificate of Mortgage Advise and Practice training can be acquired either at training centers or through home study. Home study CeMAP is the most suitable training mode for those who do not have time to go to institutes. Employed and business persons considered home-based courses as a boon for their career growth. For those who wish to study at a leisurely way with slow speed, who wishes to save money, home study programme is the best option. A home study course provides extensive online training.

Home study programme facilitates people to try by themselves to become mortgage professionals. In the home study programme, the course materials, DVD / CD, syllabus and studying mode will be provided. The course material deals with financial service industry and mortgage practices. The curriculum is based on current updates, market fluctuations, and mortgage-related laws. Home study offers guidelines and requirements to become a successful agent. The programme is easy to follow. One can pass the exam at the first attempt. A fully interactive training experience at home at convenient time and speed is possible. To achieve thoroughness and clarity, you can refer to the training material many times a day.

The institutions offering the home study course conduct the exams separately. The dates will be more flexible. Regular preparation will give the participants useful and comprehensive knowledge about mortgage practices. They can offer right advice and suggestions to the clients. Even though the growth of the mortgage industry has slowed, there will be a shortage of trained personnel. The employment potential is bright for even beginners. Despite economic recession and credit crunch, the mortgage industry is a thriving sector. Innovative market strategies like fixed, discounted or capped interest rates are afloat in the market.

People today, and as always, are in need of loans to fulfill their demands and aspirations. So, mortgage advisers will always be in demand. Those who pass CeMAP exams will be legally permitted to become mortgage advisers. Group study, distance learning, training courses, online study, intensive study, home study- there are many options for those who wish to compete in the race. The CeMAP is divided into three modules- CeMAP 1, 2 & 3. Complete guidance using printed matter, CDs, syllabus details, market updates, FAQs, guides - all these items are provided to improve the performance of the participants.

The Certificate in Mortgage Advise and Practice is awarded by the Institution of Financial Services (IFS). It is recognized by the Financial Services Authority (FSA). Excellent job opportunities are waiting for those who pass the exam. Experienced professionals receive a steady income.

CeMAP 1 deals with Financial regulations of UK
CeMAP 2 relates with mortgage options
CeMAP 3 concerns with Assessment of Mortgage Advice knowledge

CeMAP 1 is the toughest module and assessed by a two-hour, 100 questions, multiple choice exam. CeMAP 2 is the mortgage module and focusses on law, practice policy, market trends, legal applications, modes of payment, different products, post completions problems, financial policy, govt stipulations, currency fluctuations. One has to grasp the course materials in CeMAP 2 and try to apply them to the case study tests in CeMAP 3.

The exam is computer-based. There will be 25 multiple choice questions on each unit (100 altogether). A score of 70% minimum in each unit of the three modules is considered a pass. If they fail, they can reappear. The grading is as follows: Pass 70%, Merit 80% and Distinction 90%- no eligibility criteria, no previous qualification and no age limit.



CeMAP Training Syllabus
Frequently Asked Questions
CeMAP for Mortgage Qualifications
CeMap Articles
CeMap In-house Courses
Contact Details
CeMap News
CeMap Links
CeMAP Glossary