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

    • 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

    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

    • 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

    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

    • 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

  • 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

    • 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

  • 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

    • What is Bridging, and Where are the Opportunities?

    • 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

    • The Case for Single Life Plans – Beware the Joint Life Dilemma

    • 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 and 3 Calculations – All Overviewed

    • 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 - 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

  • 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