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LIBF CeMAP (Certificate in Mortgage Advice and Practice) Exam Cheat Sheet (2026)
A free, printable LIBF CeMAP (Certificate in Mortgage Advice and Practice) exam cheat sheet: the 37 highest-yield points to know, grouped into 6 sections that follow the exam's content areas, each section with its published weight.
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- The real LIBF CeMAP (Certificate in Mortgage Advice and Practice) exam: 70 to pass.
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- 400 free LIBF CeMAP (Certificate in Mortgage Advice and Practice) practice questions on the same material, every one explained.
- Last updated: August 2026.
Studying in order?
In the CeMAP (LIBF) guide: 37 named exam traps called out where they arise, not collected at the back. Practice here stays free.
UK Financial Services Regulation
20% of the exam- The FCA, its statutory basis and objectives
- Authorisation: the general prohibition, permissions and threshold conditions
- The Senior Managers and Certification Regime (SM&CR)
- The Principles for Businesses and the Consumer Duty
- The FSCS: protection when a firm fails
- The Financial Ombudsman Service: resolving complaints
Mortgage Law and Property
18% of the exam- What makes a loan a regulated mortgage contract
- Tenure: freehold, leasehold and commonhold
- Registered title and the register of charges
- Priority of charges and the security position
- Co-ownership: joint tenants and tenants in common
- The conveyancing timeline: exchange and completion
- Valuation versus survey
MCOB: Advising, Selling and Disclosure
18% of the exam- Advised versus execution-only sales
- Initial disclosure: describing the service and how you are paid
- Suitability: the heart of an advised sale
- Pre-contract disclosure: the ESIS
- The binding offer and the reflection period
- Communications, promotions and vulnerable customers
Mortgage Products and Repayment Methods
17% of the exam- Repayment methods: capital-and-interest versus interest-only
- Interest-only repayment vehicles
- Interest-rate options: fixed, tracker, discount and capped
- The standard variable rate, collars and reversion
- Flexible features: offset, current-account and flexible mortgages
- The arithmetic: LTV and interest calculations
Responsible Lending and Affordability
15% of the exam- The Mortgage Market Review: the lender is responsible
- Verifying income and assessing expenditure (MCOB 11.6)
- The interest-rate stress test
- Interest-only lending under the responsible-lending rules
- The Mortgage Credit Directive and its effects
- The APRC: comparing the true cost
Arrears, Post-Completion and Protection
12% of the exam- MCOB 13: treating borrowers in arrears fairly
- Forbearance: the alternatives to repossession
- The possession process and shortfall debt
- Buildings insurance and the lender's security
- Protection products: life and health cover
- Fraud, money laundering and the adviser's duties
Now prove you know them
Reading an outline is not the same as recalling it under exam pressure. Drill the free LIBF CeMAP (Certificate in Mortgage Advice and Practice) questions to find the areas you keep missing, then sit a full timed mock.
Study aid, not a substitute for the official material — always confirm the current rule with LIBF — CeMAP.