The CeMAP Study Podcast with Future in Finance

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://linktr.ee/futureinfinance

📱 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.

https://linktr.ee/futureinfinance

— 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://linktr.ee/futureinfinance

📱 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

In this episode, we're diving into CeMAP 1 Topic 20 — where the regulation rubber really hits the road.

You’ll learn:

✅ The key difference between Directives and FCA Sourcebooks (and why it matters)

✅ What counts as execution-only business, and why it’s riskier than it sounds

✅ The rules around financial promotions — including what makes one legal or illegal

✅ When and how initial disclosures must be made to clients

✅ Your go-to guide on cooling-off periods – what applies, when, and for how long

This is one of those topics where small details matter — especially if you're aiming for full marks on regulatory questions.

Try the Free E-Learning Platform

Not sure if e-learning is for you? Try the free version of our CeMAP 1 platform here:

https://linktr.ee/futureinfinance

You’ll get access to a full lesson, downloadable materials, and study resources — no card needed.

Perfect for figuring out if this flexible, structured approach fits your learning style.

📱 Questions?

Text or WhatsApp me directly on 07825 149137 – I’m always happy to help.

Let’s make passing CeMAP a whole lot easier.

— Charlotte & Maria

CeMAP is Changing – Here’s What You Need to Know (2025/26 Update)

Big news for aspiring mortgage advisers: CeMAP is getting a major update — and it’s more than just the usual regulatory refresh. In this special episode, Charlotte breaks down exactly what’s changing, when it’s happening, and what it means for your study plans.

📌 In This Episode, You'll Learn:

The new name for CeMAP 1 (spoiler: it’s going Level 4 👀)

What FSRE is and how the new question format will work

Changes coming to CeMAP 2 and how the unit structure is evolving

Key deadlines to register and sit your exams under the current format

Why acting before August 31st, 2025 could save you time, money, and stress

🔗 Original article covering the changes:

⚠️ Disclaimer: All information shared in this episode has been confirmed over the phone with the Walbrook Institute (previously LIBF) customer service team, accurate as of June 2025. Further updates may follow – stay tuned!

🎓 Need Support Studying?

If you're hoping to pass before the changes take effect, my CeMAP E-Learning Platform is your best bet.

With just 5 hours of study per week, you could be fully qualified before the deadline — and if you’re really up for the challenge, it’s possible to complete it in as little as 3 weeks.

💻 Access the platform & free trial here:

👉 https://linktr.ee/futureinfinance

Endowments. If you’re prepping for CeMAP 2 or 3, this is one of those topics you need to understand—not just for the exam, but because of the impact these products had on the mortgage industry as a whole.

In this episode, Maria the Money Muggle and I take you through everything you need to know about endowments so you’re ready to tackle this topic with confidence.

Here’s what we cover:

🏠 What Endowments Actually Are – The structure, purpose, and why they were once the go-to mortgage repayment method.

🚩 The Mis-Selling Scandal – What went wrong, how it impacted thousands of homeowners, and why it’s still relevant today.

🔗 How Endowments Link to Mortgages – And the key things examiners want you to understand.

✅ Potential Benefits – Yes, they had some! We’ll cover why they were popular (and when they can still be suitable).

⚠️ Risks You Need to Know – From investment underperformance to lack of guarantees.

🧠 Types of Endowments – Full with-profits, unit-linked, low-cost, and traded endowments—yep, we go there.

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Want to Go Beyond the Podcast?

💬 Join the WhatsApp Study Community – Get peer support, daily motivation, and real-time help from fellow students (and me!).

👉 Message me to join: 07825 149137

🎓 Try the E-Learning Platform for FREE – Includes video lessons, downloadable PDFs, audio files & mock questions.

it’s time to dive into CeMAP 1 Topic 19 – and while “prudential regulation” might not sound thrilling, this is the stuff that keeps the financial system from falling on its face. And yes… it does come up in your exam!

In this episode, Maria the Money Muggle and I break down the big players and big ideas behind prudential regulation so you can actually understand what they do (and why they matter).

Here’s what we’re tackling:

🏦 The PRA (Prudential Regulation Authority) – What they’re responsible for, and how they work alongside the FCA.

🌍 The Basel Committee on Banking Supervision – What it is, what it sets out to do, and why it sounds way more complicated than it actually is.

💧 Liquidity Risk – What it means when a bank can’t meet its short-term obligations (and how they try to prevent that).

📉 Net Stable Funding Ratios (NSFR) – How banks make sure they’re not running out of stable funding to cover their assets.

🧮 Solvency II – The framework for insurance firms to prove they’ve got enough capital to cover risks.

Basically? If you've ever wondered how the financial system stays (mostly) stable... this is your topic.

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Want to Go Beyond the Podcast?

💻 Try My Free E-Learning Platform – Bite-sized lessons, downloadable PDFs, mock questions & more.

👉 Access Free Training

📲 Need help? Message me anytime—I'm here to help you pass with confidence (and maybe even enjoy the ride!)

Grab your notebook, hit play, and let’s demystify prudential regulation once and for all! 💪🎧

It’s time to dive into CeMAP 1 Topic 19 – and while “prudential regulation” might not sound thrilling, this is the stuff that keeps the financial system from falling on its face. And yes… it does come up in your exam!

In this episode, Maria the Money Muggle and I break down the big players and big ideas behind prudential regulation so you can actually understand what they do (and why they matter).

Here’s what we’re tackling:

🏦 The PRA (Prudential Regulation Authority) – What they’re responsible for, and how they work alongside the FCA.

🌍 The Basel Committee on Banking Supervision – What it is, what it sets out to do, and why it sounds way more complicated than it actually is.

💧 Liquidity Risk – What it means when a bank can’t meet its short-term obligations (and how they try to prevent that).

📉 Net Stable Funding Ratios (NSFR) – How banks make sure they’re not running out of stable funding to cover their assets.

🧮 Solvency II – The framework for insurance firms to prove they’ve got enough capital to cover risks.

Basically? If you've ever wondered how the financial system stays (mostly) stable... this is your topic.

---

Want to Go Beyond the Podcast?

💻 Try My Free E-Learning Platform – Bite-sized lessons, downloadable PDFs, mock questions & more.

👉 Access Free Training

📲 Need help? Message me anytime—I'm here to help you pass with confidence (and maybe even enjoy the ride!)

Grab your notebook, hit play, and let’s demystify prudential regulation once and for all! 💪🎧