CeMAP Exam Guides

Plain-English guides to the CeMAP exams in the structure that started on 30 September 2025: the five units, pass marks, fees, exam day and the route to becoming a mortgage adviser. Every figure is dated. Then try the free FRE1 sample set to see where you stand.

MortgagePrep is an independent study aid for CeMAP candidates. It is not endorsed by, affiliated with or approved by Walbrook Institute London (formerly LIBF). CeMAP® is a registered trade mark of its owner and is used here only to describe the exam. All questions are original practice material, not past or live exam questions.

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CeMAP Exam Structure 2026: The Five UnitsCeMAP's new structure in one page: FRE1, FRE2, MRT1, MRT2 and the ASEW/ASSC synoptic exam, with question counts, timings and the 70% pass mark in each unit.
FSRE vs UKFR: What Changed in CeMAPUKFR was replaced by the FSRE module (FRE1 and FRE2) in September 2025. What changed, the key transition dates, and what it means for part-qualified candidates.
CeMAP Pass Mark: 70% in Every UnitThe CeMAP pass mark is 70% in every unit: 28/40 for FRE1, FRE2 and MRT2, 35/50 for MRT1 and 42/60 for the synoptic exam. Merit, distinction and resits.
How Hard Is CeMAP? An Honest GuideHow hard CeMAP is, unit by unit: where marks are lost, why case studies catch people out, and how much practice it takes to pass each exam at 70%.
How Long Does It Take to Study for CeMAP?Walbrook estimates 250 hours for CeMAP, about 50 per unit. Realistic plans for full-time and part-time learners, and how to fit five exams into 18 months.

Unit by unit

CeMAP FRE1 Exam Guide: Format and How to PassFRE1 (Industry, Regulation and Key Parties): 25 MCQs plus 3 case studies in 1 hour, 28/40 to pass. The syllabus, common traps and how to prepare.
CeMAP FRE2 Exam Guide: Format and How to PassFRE2 (Skills, Principles and Ethical Behaviours): 25 MCQs plus 3 case studies in 1 hour, 28/40 to pass. Consumer Duty, financial crime, complaints and ethics.
CeMAP MRT1 Exam Guide: Format and How to PassMRT1 (Mortgage Law, Practice and Application): 50 MCQs in 1 hour, 35/50 to pass. Affordability, property law, fees and taxes, valuations, and how to prepare.
CeMAP MRT2 Exam Guide: Format and How to PassMRT2 (Mortgage Products and Post Completion): 40 MCQs in 1 hour, 28/40 to pass. Repayment methods, rates, further borrowing, arrears and specialist products.
CeMAP Synoptic Exam (ASEW/ASSC) GuideThe CeMAP synoptic unit, ASEW or ASSC: 6 case studies × 10 questions in 2 hours, 42/60 to pass. How the cases work and how to manage your time.

Fees, exam day and your career

How Much Does CeMAP Cost? Fees for 2026CeMAP fees as at October 2026: £735 for the full qualification, £810 module by module, £120 per resit, plus optional extras. What is included and what is not.
CeMAP Online Exam Day: What to ExpectHow CeMAP exams work on the day: on demand on Brightspace with remote invigilation, the 360-degree room scan, timing per unit, results and resits.
CeMAP Exemptions and Old Units ExplainedWhich old CeMAP units give exemptions in the new structure, how recognition of prior learning works, and what part-qualified candidates should check first.
How to Become a Mortgage Adviser in the UKHow to become a UK mortgage adviser: an appropriate qualification such as CeMAP, a regulated firm, supervision until assessed as competent, then CPD.

More guides

CeMAP Past Papers: What Exists and What to Use InsteadWalbrook does not publish CeMAP past papers. What you get instead: one free practice exam per unit, paid extras at £25, and timed mocks in the real format.
CeMAP Resit: Cost, Attempt Limits and How to Avoid OneA CeMAP resit costs £120 per unit (Oct 2026). Attempt limits, how soon you can resit, and how to tell from your mocks that you are ready to sit.

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