Check out my YouTube channel for even more content HERE
CeMAP 2026 Changes: What Do Mortgage Brokers Need to Know?
If you are training to become a mortgage broker in the UK, you will already know that the CeMAP qualification is your gateway into the industry. From 2026, the CeMAP syllabus is going through some of the most significant updates in its history.
Whether you are a new adviser starting your studies or a current trainee mid-way through the course, these changes will affect how you study, what you are tested on, and how you prepare for your career as a mortgage adviser.
I have been helping brokers simplify success for years, so let’s break this down step-by-step. If you want more deep-dive content on mortgage sales, lead generation, and client retention, check out my YouTube channel where I share free training every week.
What is CeMAP and why is it changing in 2026?
CeMAP, the Certificate in Mortgage Advice and Practice, is the most widely recognised mortgage adviser qualification in the UK. It is required by lenders, mortgage networks, and approved by the Financial Conduct Authority (FCA).
From 2026, the London Institute of Banking & Finance (LIBF) is updating the qualification to:
Raise professional standards
Improve adviser readiness
Make the qualification more relevant to the wider financial services industry
The biggest shift is that CeMAP 1 (UK Financial Regulation) will be replaced by FSRE (Financial Services Regulation & Ethics), a broader, more applied Level 4 module covering regulation and ethics across the whole financial services sector.
What will the new CeMAP qualification structure look like in 2026?
If you are aiming to become a mortgage broker, you will still complete three modules, but the content is changing.
Current structure (until mid-2026):
CeMAP 1 – UK Financial Regulation (UKFR)
CeMAP 2 – Mortgage Law, Policy, Practice & Markets (4 units)
CeMAP 3 – Case Study-Based Mortgage Advice
New structure (from 2026):
FSRE – Financial Services Regulation & Ethics (Level 4, 2 units)
Updated CeMAP 2 – streamlined into 2 units
Updated CeMAP 3 – enhanced scenario-based case studies
What are the key dates for the CeMAP changes?
If you are studying for your CeMAP qualification now, timing is critical.
29 September 2025 – Last date to register for the old syllabus
30 September 2025 – FSRE and updated CeMAP 2 & 3 materials released
10 November 2025 – First new-style exams available
12 January 2026 – Last date to sit CeMAP 2 & 3 in the old format
13 January 2026 – All students move to the new syllabus
16 July 2026 – Last date to sit CeMAP 1 (UKFR) in the old format
If you are planning your career change into mortgages, my article on why you need a mortgage broker coach explains how structured guidance can make sure you hit these deadlines.
What is FSRE and why is it replacing CeMAP 1?
FSRE, or Financial Services Regulation & Ethics, is a Level 4 module designed to:
Cover regulation across all financial services
Strengthen ethical decision-making
Prepare advisers for real-world scenarios
This broader foundation means future mortgage advisers will have more transferable skills, making career moves into investments, pensions, or protection advice easier.
If you are new to the industry, I highly recommend Future in Finance’s CeMAP courses. With my code ASH50 you will get £50 off. They are built for passing first time, which is more important than ever with the 2026 changes.
Will the new CeMAP exams be harder for mortgage brokers?
Yes, for many. FSRE is at a higher academic level, so you will need to apply knowledge, not just recall facts. This means more case studies, ethics-based questions, and applied scenarios.
What happens if I have already started my CeMAP before 2026?
You will not lose any completed modules.
Pass CeMAP 1? You will not need to take FSRE.
Pass CeMAP 2 or 3? These will transfer to the updated format.
If you are unsure how to time your studies, my 1:1 coaching sessions can help you map out your plan. You can learn more and work with me directly here.
Can I mix old and new CeMAP modules?
Yes. Many advisers will complete CeMAP 1 under the old format and then take the updated CeMAP 2 and 3.
Will my existing CeMAP study notes still be relevant?
Your CeMAP 1 notes will not match FSRE, as the syllabus is different. For CeMAP 2 and 3, you will need updated resources to prepare for the new structure.
Will employers value the old and new CeMAP qualifications equally?
Yes. Both will be valid, and your certificate will not specify which syllabus you took.
How much will the new CeMAP exams and training cost?
The LIBF has not confirmed price changes, but training providers may charge more for FSRE-focused materials due to the broader scope.
Should I complete CeMAP now or wait for the new syllabus?
Complete now if you:
Want to qualify as a mortgage broker quickly
Prefer a more focused, mortgage-only syllabus
Can complete all modules before the cut-off dates
Wait for 2026 if you:
Want broader financial services knowledge
Are not in a rush to qualify
Are confident in handling more applied, scenario-based exams
If you want quick wins for your mortgage business while studying, my 30-Day Mortgage Broker Boost email series is packed with daily tips to build momentum.
Final thoughts for mortgage brokers on the CeMAP 2026 changes
The CeMAP changes in 2026 are designed to produce advisers who are technically competent, ethically aware, and ready for real-world challenges from day one.
The choice is yours:
Fast-track now under the current syllabus
Plan for 2026 for broader skills and higher-level knowledge
If you have a question about the changes or want personalised advice, message me on Instagram and I will be happy to help.
