Course curriculum

  1. 1
  2. 2
    • The UK Lending Sector

    • Mortgage Intermediaries

    • The Residential Mortgage Market

    • What is a Mortgage Network?

    • Wholesale Funding

    • Causes of the 2008 Financial Crisis

    • Securitising a Mortgage Book

    • Peer to Peer Lending

    • Peer to Peer Lending - The Sequel

    • The Future of Housing Prices

    • The Housing Market and the Stamp Duty Freeze 2020/21

  3. 3
    • First Time Buyers

    • The Middle Aged Lending Market

    • House Buyers Who Have Difficulty Borrowing

    • Vulnerable Customers and Mortgage Prisoners

    • Vulnerable Customers

    • Commercial Borrowers - Those Buying Company Premises

    • CeMAP Lessons 1 and 2 Textbook Audio Review

  4. 4
  5. 5
    • What is a Mortgage - A Legal Definition

    • The Mortgage Deed Explained

    • How Property is Owned - Joint Tenancy v Tenants in Common

    • Property Tenure - Freehold, Leasehold, Commonhold

    • Leasehold Reform

    • The Proposed Leasehold Changes for 2022

    • More on Leasehold Ground Rents and Charges

    • The Problems with Commonhold Tenure

    • Legal Rights of Access Over Land

    • Chancellery Obligations From the Church

    • Mortgage Fraud and the Fraud Act of 2006

    • CeMAP Lessons 3 and 4 Textbook Audio Review

  6. 6
    • The Process of Buying and Selling a House

    • The Perils of the English Conveyancing System with Banksy

    • Selling Property - A Case Study

    • Buying Through Auction

    • Modern Auctions - How They Differ

    • Land Registration

    • Mining Searches and the Impact on House Purchase

    • Local Authority Land Charges (Local Searches)

  7. 7
    • The Legal Process of Buying and Selling a House

    • The Mortgage Process

    • Mortgage Offer of Advance

    • The Role of Estate Agents

    • Regulation of Estate Agents

    • CeMAP Lessons 5 and 6 Textbook Audio Review

  8. 8
    • An Overview of MCOBs

    • Marketing Mortgages MCOB 3

    • Conduct of Business Requirements - MCOB 2

    • Initial Disclosure MCOB 4

    • How to Advise a Mortgage

    • Execution Only - New FCA Rules 2020

    • Mortgage Disclosure and the European Standard Information Sheet (ESIS)

    • Disclosure at Offer Stage - MCOB 6

    • Disclosure at Completion Stage - MCOB 7

  9. 9
    • Scottish Law and English Law - Compared

    • Property Tenure in Scotland

    • Scots Law and the Survey Report

    • Glossary of Scots Law Terminology

    • CeMAP Lessons 7 and 8 Textbook Audio Review

  10. 10
    • CeMAP 2 Online Test Pack

    • Unit 3 Online Test

    • Revision and Exam Tips Audio

    • Video Overview of 6 Tricky Questions

  11. 11
  12. 12
    • Mortgage Affordability Overview

    • Assessing an Applicant's Status

    • Assessing Status - MCOB 11

    • Corroborating Income - Employed, Self Employed or Directors

    • Owner/Directors and the Loan Account

    • Buy To Let Rental Coverage Calculations - Part 1

    • Buy To Let Rental Coverage Calculations - Part 2

    • Stress Testing in Detail

    • CeMAP Lessons 9 and 10 Textbook Audio Review

  13. 13
    • Credit Assessment

    • Guarantors

    • Assessing Suitability

    • Insolvency and Debt Problems

    • Mortgage Fraud

  14. 14
    • Different Types of Property Surveys

    • The Varying Factors That Affect the Value of Property

    • Problems That Cause Properties to be Un-mortgageable

    • General Defects in Properties

    • Structural Problems in Properties

    • Structural Defects Explained Further With a Case Study

    • Specialist Reports Requested by Lenders Following Surveys

    • Underwriting Properties with Two Case Studies

    • Underwriting Buy to Let Properties - The Specifics

    • Modular Housing - the Future of Construction

    • EWS1 and Cladding Issues with Leasehold Properties

      FREE PREVIEW
    • CeMAP Lessons 10, 11 and 12 Textbook Audio Review

  15. 15
    • The Costs of Buying and Selling Property - An Overview

    • What on Earth is a Completion Fee?

    • Stamp Duty Land Tax (SDLT) - An Overview

    • SDLT - Exceptions for Paying

    • Additional Security for Mortgage Lending

    • The UK Government's Mortgage Guarantee Scheme 2021

    • Higher Lending Charge Calculations

    • Higher Lending Charges - Further Example Calculations

      FREE PREVIEW
    • Calculating Mortgage Payments

    • Listed Building Consents and Mortgages

    • Planning Consent and Building Regulations

    • CeMAP Lessons 13 Textbook Audio Review

  16. 16
    • Unit 4 Online Test

    • CeMAP 2 Online Test Pack

    • Revision and Exam Tips Audio

  17. 17
    • The Financial Impact of Death and Illness

    • Protection Priorities for Clients

    • CeMAP Lesson 16 LIBF Textbook Audio Review

  18. 18
    • Welfare Benefits in Event of Sickness and Illness

    • Welfare Benefits in Event of Death

    • Welfare Benefits in Event of Disability

    • Universal Credit

    • Support for Mortgage Interest (SMI) - in Detail

    • Life Assurance (Term Assurances) to Protect Mortgages

    • Protecting a Joint Mortgage

    • Whole of Life Policies Dissected - Live Recording

    • Income Protection (IPI) and Critical Illness

    • Critical Illness Cover - In More Detail

    • Income Protection - In More Detail

    • CeMAP Lesson 17 LIBF Textbook Audio Review

  19. 19
    • Riders – Bolt-ons for Protection Plans

    • General Insurance Made Simple

    • Buildings and Contents Insurance

    • The Dangers of Misrepresenting Your Building Insurance Application

    • Landlord Insurance

    • Mortgage Payment Protection (MPPI) and Accident and Sickness (ASU)

    • IPI Versus ASU - Which is Superior?

    • CeMAP Lesson 18 LIBF Textbook Audio Review

  20. 20
    • Advising Insurance with Insurance Conduct of Business Rules (ICOBs)

    • Protection Advising – Quantifying and the CIG in CIGAR

    • Trusts and Life Assurance

    • CeMAP Lesson 19 LIBF Textbook Audio Review

  21. 21
    • Unit 5 Online Test

    • CeMAP 2 Online Test Pack

    • Revision and Exam Tips Audio

  22. 22
    • Retirement Interest Only (RIOs)

    • Endowment Policies - Live Recording

    • Annual Percentage Rates (APRs) and APRCs

    • Qualifying or Non Qualifying - That is the Question

    • Interest Only Versus Repayment

  23. 23
    • Contributing to a Personal Pension

    • Taking Benefits from Personal Pensions

    • The Famous Five ISAs - Investment Savings Accounts

    • ISAs and Dying

    • CeMAP Lessons 21 and 22 Textbook Audio Review

  24. 24
  25. 25
    • Mortgages with Lower Repayments

    • Non Mainstream Mortgages - Non Status, Sub Prime, Foreign Currency, Cat and Self Build

    • Islamic (Sharia) Mortgages

    • Self Build Mortgages - A Timeshot of a Build

    • Self Build Mortgages - More Detail

    • Peer to Peer Lending

    • Peer to Peer Lending - The Sequel and Problems

    • Buy to Let Mortgages - Examined in Detail

    • Buy to Lets and Top Slicing - How to Lend More

    • Buy to Let with an SPV

    • The Buy to Let Marketplace - Tax Changes From 2019 Onwards

    • Buy to Let Mortgages - Changes Over Past Few Years

    • Property Taxation with Second Homes

    • Holiday Lets - An Overview

    • 100% Mortgages

    • What is Bridging, and Where are the Opportunities?

    • Second Charge Mortgages

    • Taxation of Property - an Overview

    • CeMAP Lessons 23 and 24 Textbook Audio Review

  26. 26
    • Family Mortgages

    • Buying Property for Your Children

    • Joint Borrower Sole Proprietor (JBSP) Mortgages

    • Government Affordable Housing Schemes

    • Social Housing and Mortgage Lending

    • Help to Buy Mortgages - An Overview

    • Help to Buy Mortgages - The Rise, Fall and Demise

    • Help to Buy Changes from 2021

    • Right to Buy - Buying Your Housing Association or Council Property

    • Lifetime Mortgages - An Overview

    • Lifetime Mortgages - Interest Roll Up Loans

    • Equity Release Roll Up Compounding - The Rule of 72

    • Lifetime Mortgages - Retirement Interest Only (RIOs)

    • Home Reversion Plans

    • Home Income Plans

    • Shared Appreciation Mortgages

  27. 27
    • Debt Consolidation

    • Debt Consolidation and Vulnerable Customers

    • Remortgages

      FREE PREVIEW
    • Further Advances From Your Existing Lender

    • Planning Consents and Building Regulation

    • Planning Consents - The Sequel

    • Party Wall Act 1996

    • Second Charge Lending

    • Second Charges - Why have one?

    • Bridging Finance Explained

    • Bridging Finance - A Case Study

    • Bridging Finance and Regulation

    • Bridging, Refurb, Auctions and BTL’s – all moulded together

  28. 28
    • Transfer of Equity - Adding or Removing People From the Mortgage

    • Transferring a Mortgage Book

    • Releasing Part Security - Selling Your Garden

    • Redeeming a Mortgage

    • Other Post Completion Matters - Summarised and Reviewed

    • Mortgage Broker Reviews

    • CeMAP Lessons 25, 26, 27 Textbook Audio Review

  29. 29
    • Mortgage Charges - MCOB 12

    • Assisting Borrowers in Arrears and the Pre-Action Protocol

    • State Assistance When in Arrears

    • Mortgage Arrears - MCOB 13

  30. 30
    • Repossession Proceedings

    • CeMAP Lessons 28 and 29 Textbook Audio Review

  31. 31
    • Unit 6 Online Test

    • CeMAP 2 Online Test Pack

    • Revision and Exam Tips Audio

  32. 32
    • How We Study CeMAP 3

    • CeMAP 3 Overview, Tips and Technques

    • CeMAP 3 Revision Guide

    • CeMAP 3 Case Study Alec and Clare - Video Review from Live Session

    • CeMAP 3 Case Study Paul and Kelly

  33. 33
    • CeMAP 3 Revision Guide

    • CeMAP 3 Case Study Greg and Cheryl

    • CeMAP 3 Case Study James and Diane

  34. 34
    • CeMAP 3 Revision Guide

    • CeMAP 3 Case Study Simon and Claire

    • CeMAP 3 Case Study Garth and Tania

  35. 35
    • CeMAP 3 Revision Guide

    • Full 2 Hour CeMAP 3 Mock Paper

  36. 36
    • Revision Tips

    • CeMAP 2 and 3 Calculations – All Overviewed

    • CeMAP 2 Revision Guide 2021/2022

    • CeMAP 3 Revision Guide 2021/2022

    • CeMAP 2 Additional Test Pack

  37. 37
    • CeMAP 2 Part One - Mortgages and Regulation

    • CeMAP 2 Part Two - Mortgage Conduct of Business Rules

    • CeMAP 2 Part Three - Legal Aspects of Property

    • CeMAP 2 Part Four - Conveyancing, Property Defects and the Mortgage Market

    • CeMAP 2 Part Five - Mortgage Applications – Assessing the Applicant and the Property

    • CeMAP 2 Part Six - Additional Security, Mortgage Deeds, Offers and Insurance

    • CeMAP 2 Part Seven - Mortgage Repayment Methods and Protection

    • CeMAP 2 Part Eight - Mortgage Products

    • CeMAP 2 Part Nine - Post Completion Matters

    • CeMAP 2 Part Ten - CeMAP 3 Made Simple

    • CeMAP 2 - Protection Special - Welfare Benefits

    • CeMAP 2 - Protection Special - Income Protection

    • CeMAP 2 - Protection Special - Critical Illness Cover

    • CeMAP 2 - Protection Special - General Insurance Protection

    • CeMAP 2 - Protection Special - Factfinding and Quantifying Needs

  38. 38
    • CeMAP Livestream January 04 - The bouyant mortgage market and selling life protection

      FREE PREVIEW
    • Mortgage Livestream 2021 January 11 - Brexit and Mortgage Advising

    • Mortgage Livestream 2021 January 18 - Leasehold changes and tips to take an online exam

    • Mortgage Livestream 2021 January 25 - Business Insurance

    • Mortgage Livestream 2021 February 01 - Bitcoin Simplified (10 mins)

    • Mortgage Livestream - 2021 February 08 - Short Selling and Factfinding Part 1

    • Mortgage Livestream - 2021 February 15th - Debt consolidation and vulnerable customers

    • Mortgage Livestream 2021 February 22 - The Second "Big Bang" and Factfinding

    • Mortgage Livestream 2021 March 01 - Equity Release and The Mortgage Market in 2021

    • Mortgage Livestream - 2021 March 8th - The Mortgage Guarantee Scheme

    • Mortgage Livestream 2021 March 15 - Advising versus selling advice

    • Mortgage Livestream 2021 March 22 - Inflation and Charging Fees

    • Mortgage Livestream 2021 March 29 - Advising Mortgages and Personal Branding

    • Mortgage Livestream – 2021 April 12 – Bridging and Trainee Mortgage Advisers

    • Mortgage Livestream 2021 April 19 - Protection, CPI and BTL Cover

    • Mortgage Livestream - 2021 April 26 - Pension Contributions, Vanguard Warning and Bernie

    • Mortgage Livestream - 2021 May 04 - IHT, Wills and moving with the times

    • Mortgage Livestream - 2021 May 17 - Conveyancing, selling and CPD

    • Mortgage Livestream - 2021 May 24 – Income Tax Spotlight

    • Mortgage Livestream 2021 June 07 - Complaints, Inflation and Calculations

    • Mortgage Livestream - 2021 June 21 - the new CeMAP 2 and 3 plus measuring your CPD

    • Mortgage Livestream - 2021 July 05 - End of EU Passporting and Advisory Selling Skills

    • Mortgage Livestream - 2021 July 19 - GovCoins, Landlord Insurance and KPIs

    • Mortgage Livestream - 2021 July 26 - Share Protection Insurance

    • Mortgage Livestream - 2021 August 02 – Lead Generation and Objection Handling

    • Mortgage Livestream - 2021 August 09 - Rise of the Megabroker, Bridging and Coaching Protection

    • Mortgage Livestream - 2021 August 16 - Protection

    • Paul Archer’s Mortgage Livestream - 2021 August 23 - Bolt Ons for Protection and Closing

    • Paul Archer's Mortgage Livestream - 2021 September 06 - How to Become a Mortgage Broker

    • Paul Archer's Mortgage Livestream - 2021 September 13 – Long Term Care

    • Paul Archer's Mortgage Livestream - 2021 September 20 - AR v DA

    • Paul Archer's Mortgage Livestream - 2021 October 11 - MMT and Scots Law on Tenure

    • Paul Archer's Mortgage Livestream - 2021 October 18 – Metaverse and Income Tax

    • Paul Archer's Livestream - 2021 October 25 - Budget, Diversification and Guiding Your Client

    • Paul Archer's Mortgage Livestream - 2021 November 01 - Adviser Implications from the Budget plus taxation update for 2021/22

    • Paul Archer's Mortgage Livestream - 2021/11/15 - BNPL, Land Registration and Protection Selling Tips