Course curriculum

  • 1

    Introductory Videos

  • 2

    Lesson 1 - Property and Mortgage Markets

    • 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

    Lesson 2 - Types of Borrower

    • 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

    Lesson 3 - Mortgage Regulation

  • 5

    Lesson 4 - Mortgage and Property Law

    • 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

    Lesson 5 - Buying and Selling a Property - An Overview

    • The Process of Buying and Selling a House
    • 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

    Lesson 6 - The Legal Aspects of Property Purchase

    • 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

    Lesson 7 - Regulation and the Buying Process

    • An Overview of MCOBs
    • Marketing Mortgages MCOB 3
    • Conduct of Business Requirements - MCOB 2
    • Initial Disclosure MCOB 4
    • 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

    Lesson 8 - Scots Law on Mortgages and House Purchase

    • Scottish Law and English Law - Compared
    • Scots Law and the Survey Report
    • Glossary of Scots Law Terminology
    • CeMAP Lessons 7 and 8 Textbook Audio Review
  • 10

    Lesson 9 - The Role of the Mortgage Adviser

  • 11

    Lesson 10 - Assessing the Applicant's Financial Status

    • 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
    • Stress Testing in Detail
    • CeMAP Lessons 9 and 10 Textbook Audio Review
  • 12

    Lesson 11 - Checking an Applicant's Credit and Suitability

    • Credit Assessment
    • Guarantors
    • Assessing Suitability
    • Insolvency and Debt Problems
    • Mortgage Fraud
  • 13

    Lesson 12 - Assessing the Property and Surveys

    • 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
  • 14

    Lesson 13 - Other Factors That Affect the Lending Decision

    • The Costs of Buying and Selling Property - An Overview
    • Stamp Duty Land Tax (SDLT) - An Overview
    • SDLT - Exceptions for Paying
    • Additional Security for Mortgage Lending
    • 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
  • 15

    Lesson 14 - Unit 3 and 4 Exams

    • Unit 3 and 4 Online Test
    • CeMAP 2 Online Test Pack
    • Video Overview of 6 Tricky Questions
    • Revision and Exam Tips Audio
  • 16

    Lesson 15 - Mortgage Repayment Methods and Endowments

    • Interest Only Versus Repayment
    • Retirement Interest Only (RIOs)
    • Endowment Policies
    • Annual Percentage Rates (APRs) and APRCs
    • Qualifying or Non Qualifying - That is the Question
  • 17

    Lesson 16 - Other Repayment Options for Interest-Only Mortgages

    • Contributing to a Personal Pension
    • Taking Benefits from Personal Pensions
    • The Famous Five ISAs - Investment Savings Accounts
    • ISAs and Dying
    • CeMAP Lessons 15 and 16 Textbook Audio Review
  • 18

    Lesson 17 - Interest Rate Options (Standard Mortgage Products)

  • 19

    Lesson 18 - Other Mortgage Products

    • 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
    • Second Charge Mortgages
    • Taxation of Property - an Overview
    • CeMAP Lessons 17 and 18 Textbook Audio Review
  • 20

    Lesson 19 - Schemes for Specific Groups of Borrowers

    • 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
  • 21

    Lesson 20 - Mortgage Related Insurance Products

    • Life Assurance (Term Assurances) to Protect Mortgages
    • Protecting a Joint Mortgage
    • Trusts and Life Assurance
    • Income Protection (IPI) and Critical Illness
    • Mortgage Payment Protection (MPPI) and Accident and Sickness (ASU)
    • IPI Versus ASU - Which is Superior?
    • General Insurance Made Simple
    • Buildings and Contents Insurance
    • The Dangers of Misrepresenting Your Building Insurance Application
    • CeMAP Lessons 19 and 20 Textbook Audio Review
  • 22

    Lesson 21 - Raising Additional Funds From Property

    • 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
  • 23

    Lesson 22 - Transferring Mortgages

    • 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 21 and 22 Textbook Audio Review
  • 24

    Lesson 23 - Arrears and Debt Management

    • Mortgage Arrears - MCOB 13
    • Mortgage Charges - MCOB 12
    • Assisting Borrowers in Arrears and the Pre-Action Protocol
    • State Assistance When in Arrears
    • Support for Mortgage Interest (SMI) - in Detail
  • 25

    Lesson 24 - Lenders' Legal Rights and Remedies

    • Repossession Proceedings
    • CeMAP Lessons 23 and 24 Textbook Audio Review
  • 26

    Lesson 25 - Unit 5 and 6 Exams

    • Unit 5 and 6 Online Test
    • CeMAP 2 Online Test Pack
    • Revision and Exam Tips Audio
  • 27

    Lesson 26 - CeMAP 3 Case Study Practice and Answers - Part One

    • CeMAP 3 Made Simple
    • CeMAP 3 Techniques Via Audio
    • CeMAP 3 Revision Guide
    • CeMAP 3 Case Study Alec and Clare
    • CeMAP 3 Case Study Paul and Kelly
  • 28

    Lesson 27 - CeMAP 3 Case Study Practice and Answers - Part Two

    • CeMAP 3 Revision Guide
    • CeMAP 3 Case Study Greg and Cheryl
    • CeMAP 3 Case Study James and Diane
  • 29

    Lesson 28 - CeMAP 3 Case Study Practice and Answers - Part Three

    • CeMAP 3 Revision Guide
    • CeMAP 3 Case Study Simon and Claire
    • CeMAP 3 Case Study Garth and Tania
  • 30

    Lesson 29 - CeMAP 3 Case Study Mock Exam

    • CeMAP 3 Revision Guide
    • CeMAP 3 Mock Paper
  • 31

    Bonus CeMAP 2 Revision Materials

    • CeMAP 2 Revision Guide
    • CeMAP 3 Revision Guide
    • CeMAP 2 Additional Test Pack
  • 32

    Bonus CeMAP 2 Audio Programme

    • 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
  • 33

    CeMAP Livestream Video Recordings 2021

    • 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 - 2020 February 08 - Short Selling and Factfinding Part 1
    • Mortgage Livestream - 2020 February 15th - Debt consolidation and vulnerable customers
    • Mortgage Livestream 2021 February 22 - The Second "Big Bang" and Factfinding
  • 34

    CeMAP Livestream Recordings 2020

    • CeMAP Livestream 2020 December 21 - Setting Your IFA Goal and Why You Should
    • CeMAP Livestream 2020 December 07 - Disability Benefits and How to Factfind on Video
    • CeMAP Livestream 2020 November 30 - Sickness and Death Welfare Benefits
    • CeMAP Livestream 2020 November 16 - Welfare Benefits and EWS1 Surveys
    • CeMAP Livestream 2020 November 09 - Equity Release Advice and the FCA
    • CeMAP Livestream 2020 October 26 - REITs and Green Home Grants
    • CeMAP Livestream 2020 October 05 - Video Selling Tips
    • CeMAP Livestream 2020 September 28 - Internet Lead Generation
    • CeMAP Livestream 2020 September 21
    • CeMAP Livestream 2020 September 14
    • CeMAP Livestream 2020 September 07
    • CeMAP Livestream 2020 August 24
    • CeMAP Livestream 2020 August 17
    • CeMAP Livestream 2020 August 10
    • CeMAP Livestream 2020 August 03
    • CeMAP Livestream 2020 July 27
    • CeMAP Livestream 2020 July 20
    • CeMAP Livestream 2020 July 13
    • CeMAP Livestream 2020 June 29
    • CeMAP Livestream 2020 June 22
    • CeMAP Livestream 2020 June 15
    • CeMAP Livestream 2020 June 08
    • CeMAP Livestream 2020 June 01
    • CeMAP Livestream 2020 May 18
    • CeMAP Livestream 2020 May 11
    • CeMAP Livestream 2020 May 04
    • CeMAP Livestream 2020 April 27
    • CeMAP Livestream 2020 April 20
    • Paul's CeMAP Livestream Podcast FREE PREVIEW
    • CeMAP Livestream 2020 April 06
    • CeMAP Livestream 2020 March 30
    • CeMAP Livestream 2020 March 23
    • CeMAP Livestream 2020 March 16
    • CeMAP Livestream 2020 March 09
    • CeMAP Livestream 2020 March 02
    • CeMAP Livestream 2020 February 24
    • CeMAP Livestream 2020 February 10
    • CeMAP Livestream 2020 February 17
    • CeMAP Livestream 2020 February 04
    • CeMAP Livestream 2020 January 20
    • CeMAP Livestream 2020 January 27
    • CeMAP Livestream 2020 January 13