What does it really look like to swap theatre lights for client meetings? In this episode, I sit down with one of my former Masterclass students — Jack Davidson — who’s made the leap from performing arts to add mortgage advice into his plan. We talk about:

• His experience inside the Future in Finance Masterclass
• The exam struggles that nearly threw him off track (and how he overcame them)
• The juggling act of balancing multiple side hustles while building a new career
• How he’s finding clients, building trust, and growing his confidence in the industry

If you’ve ever thought about a career change, this one’s for you — honest, real, and proof that you don’t need a finance background to make it work. You can follow Jack on Instagram here: @jack_davidson_dance @jack.thebroker Want to start your own CeMAP journey? Join my 6 Weeks to CeMAP programme — the structured, supported route to getting qualified without the overwhelm. You’ll get on-demand lessons, live weekly sessions, and personal WhatsApp coaching from me every step of the way.

Enrol here: https://learning.futureinfinance.co.uk

Topic 22 is all about consumer credit — and if you’ve ever wondered what counts as credit, how APRC works, or why payday loans are such a hot topic, this one’s for you.

In this episode, we break down everything you need to know to tackle this section of your CeMAP 1 exam with confidence. Expect clear explanations, examples you’ll actually remember, and a few tips to help you avoid the common traps examiners love to set.

Here’s what we cover:

✅ What consumer credit is and how it’s regulated

✅ Understanding APRC and why it replaced APR

✅ The key features and risks of payday loans

✅ Who needs to be qualified under CONC rules

✅ How consumer credit fits within the wider UK financial system

🎧 Listen now and boost your understanding before moving on to the next topic.

💻 Ready to go further? Try 12 hours of free CeMAP e-learning here: https://learning.futureinfinance.co.uk/courses/cemap1

📚 Or join the 6 Weeks to CeMAP programme and get fully exam-ready with structured study, live support, and a community cheering you on.

Topic 23 is where things get practical — we’re diving into the different types of mortgage products and interest rate options you’ll need to know inside-out for your CeMAP exams (and future advice career).

By the end of this episode, you’ll be able to confidently compare the main types of deals, explain how they work to a client, and understand the pros and cons of each.

Here’s what we cover:

✅ Fixed Rate Mortgages – stability, predictability, and what happens when the deal ends

✅ Discounted Rates – how they’re linked to lender’s SVR and why they can look better than they really are

✅ Standard Variable Rates (SVRs) – why clients often drift onto them, and why it’s rarely a good thing

✅ Tracker & Capped Rates – how they follow the Bank of England base rate, and what protection (if any) clients get

Want to make sure this all sticks?

Try the free version of my CeMAP e-learning platform and see how I teach:

👉🏻 Get Started for Free

https://learning.futureinfinance.co.uk/collections

Or, join me inside 6 Weeks to CeMAP, the structured programme designed to take you from zero to exam-ready with full support:

👉🏻 View the Course

https://www.futureinfinance.co.uk/6weekstocemap1

📲 Got questions?

Drop me a WhatsApp on 07825 149137 – I’m here to help you feel calm, clear, and confident all the way to qualification.

So many of you ask: "What actually happens once I pass CeMAP?"

This episode is for you.

Charlotte sits down with one of her former Masterclass students — now a fully qualified mortgage adviser — to talk honestly and openly about the journey from study… to job… to day one on the job.

In this relaxed and inspiring conversation, we cover:

✅ What led her to start CeMAP (and what the study process was really like)

✅ What happened next — from passing her exam to starting in the role

✅ How she found her first job (including advice for those still searching)

✅ The biggest surprises once she started working as an adviser

✅ Her favourite parts of the job — and what she didn’t expect!

✅ Challenges with confidence, client conversations, and imposter syndrome

✅ The flexibility and freedom the career has now brought into her life

✅ Her advice to anyone still studying and wondering what comes next

✅ Why networking really is everything (and how to start building your circle)

✨ Whether you're knee-deep in CeMAP 1 or debating a career change, this episode will give you a powerful glimpse of what’s waiting on the other side of the exam.

👇 Resources mentioned:

Find out more about CeMAP and get started here: https://www.futureinfinance.co.uk

Try the free version of the e-learning platform

Join the 6 Weeks to CeMAP coaching programme

🔁 Share this episode with someone who needs a little motivation to keep going!

You can also reach out to Erin Morgan here:

IG: https://www.instagram.com/erin_mallardmortgages?igsh=czdneXRkYzJpbTg2

FB: https://www.facebook.com/share/19Y7QQQ8J4/?mibextid=wwXIfr

You can check KuKu Connect here:

https://www.kukuconnect.co.uk

#CeMAP #MortgageAdvisor #CareerChange #CeMAPQualified #MortgageAdvice #FinanceCareers #WomenInFinance

Whether you’ve sat exams recently or haven’t picked up a textbook in years, exam anxiety can feel very real. So in this special episode, I sat down with anxiety coach Sam Tierney to break it all down — and help you feel calm, confident, and ready to pass.

We covered:

✅ What is exam anxiety — and how is it different from normal nerves?

✅ Is a bit of anxiety actually helpful sometimes?

✅ Why some people seem more affected by exam pressure than others

🧠 Practical Strategies for Students

Sam’s top tips for calming nerves in the run-up to your exam

How to deal with those horrible “my mind’s gone blank” moments

How to bounce back after getting a question wrong

Rewriting the “I failed before, so I’ll fail again” mindset

📚 Study-Related Anxiety

What to do if you’re feeling overwhelmed by the amount of content

How to avoid burnout or feeling paralysed before the exam

🗓 On-the-Day Tips

Breathing and grounding exercises Sam recommends

Managing time pressure and staying calm in the exam room

🧭 Mindset Shifts

How to build confidence when you don’t feel “academic”

Sam’s #1 piece of advice for anyone struggling with exam nerves

🧰 Sam’s Services & How to Connect

Sam is the creator of the brilliant course: 🎓 Master Exam Anxiety and Thrive Under Pressure: CeMAP Exam Success Blueprint

https://learning.futureinfinance.co.uk/courses/masterexamanxiety

You can find her at on Instragram @tierneyscoaching or at https://www.tierneyscoaching.com/

💬 If you’re prepping for your CeMAP exam and struggling with nerves, this episode is for you.

Send it to a study buddy. Re-listen before exam day. And remember — anxiety doesn’t mean you can’t do this.

Mortgages + Protection: The Power Combo

This week, I’m joined by the brilliant Niamh Jackson, a mortgage and protection adviser who’s built her business around something too many advisers overlook…

Protection.

In this episode, we dive deep into:

✅ How Niamh got started in protection — and why it became her focus

✅ Why every mortgage adviser should seriously consider adding protection to their service

✅ The impact offering protection has had on her life (especially as a mum)

✅ A look inside Niamh’s network — how they support advisers, what makes them different, and who they’re looking for

✅ And her top piece of advice for anyone thinking about adding protection to their business

We also touch on the earnings potential for protection advisers — with a candid chat about how protection can add a serious income stream when done the right way.

If you want to see more from Niamh you can go follow her here:

Instagram: @nbjackson_

Instagram: @_everprotected

Topic 21 is a biggie — and if you're aiming to pass CeMAP 1 with confidence, this episode is a must-listen.

In this session, we down everything you need to know around mortgage conduct, consumer protection, and when firms are allowed to do what (and how). Expect clarity, real-life examples, and a few reminders that yes, you’re absolutely capable of smashing this.

Here’s what we cover:

✅ MCOBS – What it is, who it applies to, and why it matters

✅ Mortgage Credit Directive (MCD) – How it shaped UK mortgage advice rules

✅ Consumer Buy-to-Lets – What counts, what doesn’t, and what advisers need to do

✅ Arrears & Repossessions – What firms must do when a customer is falling behind

✅ Execution-Only Business – What qualifies and why it’s so tightly regulated

✅ Vulnerable Customers – What the FCA expects and how firms can support them

Want to study smarter, not harder?

Try the free version of the CeMAP 1 e-learning platform and see how I teach:

👉🏻 Get Started for Free

Or, grab lifetime access to the full CeMAP Pocket Coaching Bundle (includes 1, 2 & 3):

👉🏻 View the Bundle

📲 Got questions?

Drop me a WhatsApp message on 07825 149137 – she's here to help you feel calm and confident all the way to qualification.

Welcome to the first in a brand new series of CeMAP bonus episodes — designed to go beyond the syllabus and give you real-world insight, support and motivation.

In these episodes, you’ll find things like:

👉🏻 What happens after you pass CeMAP

👉🏻 How to manage exam nerves and stay focused

👉🏻 Success stories from real students

👉🏻 Interviews with mortgage networks and recruiters

👉🏻 And plenty more to guide you through your journey

Whether you’re mid-way through your studies or planning your next steps, these episodes are here to help.

If you’ve been thinking about taking your CeMAP exams, this is the episode you can’t afford to skip. The Walbrook Institute (formerly LIBF) is making significant changes to the CeMAP qualification — including tougher exams, a new Level 4 FSRE module, and restructured syllabuses for CeMAP 2 and 3.

But here’s the good news: you still have time to get qualified under the current, proven format — with familiar materials, refined learning tools, and full student support.

In this episode, I’m walking you through:

What’s changing — and when

Why the current structure is easier to pass

How long it really takes to get qualified (even with a full-time job or family)

Why now is the ideal time to start (especially if you want a career change in 2025)

The exact study path I recommend if you want to be qualified by January

You’ll also hear about how our e-learning platform is helping students smash CeMAP in just 6–8 weeks — or even faster with an intensive plan — and how you can join them before the window closes.

🔗 Useful Links:

📖 Read the full blog post on the 2025/2026 CeMAP changes: https://www.futureinfinance.co.uk/post/cemap-is-changing-again-here-s-what-you-need-to-know

🚀 Try the free version of our CeMAP 1 e-learning course here: https://learning.futureinfinance.co.uk/courses/cemap1

🎓 Explore the full e-learning bundle (CeMAP 1, 2 & 3): https://www.futureinfinance.co.uk/elearning

📱 Flash Cards (not an affiliate link):

https://www.amazon.co.uk/dp/B0DFV7GB9Z?ref=ppx_pop_mob_ap_share

If you found this episode helpful, I’d love it if you could leave a quick review wherever you listen. It helps more future advisers find the show and take that next step in their career.

In this episode, we're breaking down interest-only repayment strategies — a topic that can feel overwhelming but is essential for CeMAP 2&3 and real-life mortgage advising.

Here’s what we cover:

👉🏻 What exactly is an interest-only mortgage and when it’s used

👉🏻 The key types of repayment vehicles your clients might use to clear the capital

✅ ISA's as repayment vehicles

✅ Pension-linked repayment plans

✅ Help to Buy ISAs – how they work, and their restrictions

✅ Lifetime ISAs (LISAs) – and how they differ from the above

👉🏻 Pros and cons of each vehicle, and what CeMAP wants you to know

This is a really practical topic and a favourite for exam questions, so make sure you give this one your full attention!

💼 Quick shoutout…

If you're self-employed or newly qualified and need an accountant who gets this industry — I highly recommend Leila, who looks after me and a bunch of my students.

You can start a WhatsApp chat with her here:

👉🏻 https://wa.me/447999625555

She’s smart, supportive, and brilliant at breaking things down in plain English.

📝 Don’t forget — if you’re studying through the e-learning platform, you’ll find bonus resources and flashcards for this topic under the CeMAP 2&3 section.

Let’s get you exam ready (and mortgage advice ready, too). You've got this.

— Charlotte & Maria x

This quick but important update episode is a follow-up to our recent breakdown on the big upcoming CeMAP qualification changes — and yes, there are a few key clarifications you'll want to hear.

✅ CeMAP 1 becomes FSRE: A Level 4 qualification with a new structure — but you can now register under the current syllabus until 29th September 2025 (not 31st August as previously mentioned).

✅ Exam Deadline Extended: As long as you register by 29th September, you’ll have until 12th January 2026 to sit your exams using the current format — and any resits will also follow the old syllabus if booked in time.

✅ New Material Release: New course materials go live on 30th September 2025.

✅ New Exam Format Begins: From 10th November 2025, exams will follow the new structure — including case study questions and a shift in how CeMAP 1 is assessed.

✅ CeMAP 3 will have its own updated content: Still under review — but expect some separation from CeMAP 2 moving forward.

Heads up: A full official email from Walbrook Institute (formerly LIBF) is due to land in all current students' inboxes on 16th July 2025 — so keep an eye out for that.

Subscribe to the website: https://www.futureinfinance.co.uk/subscribe

📱 Got questions?

Text or WhatsApp me directly on 07825 149137 and I’ll help you plan the best route through the changes.

Let’s get you over the line before the chaos starts.

— Charlotte & Maria