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Content
About Us ………… 03
Financial Authority … 04
Financial Courses … 08
CeMAP 1 ………… 10
CeMAP 2 ………… 12
CeMAP 3 ………… 14
EMPAD ………… 16
Other Training …….. 18
Contact Us ………... 20
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Welcome
to
Futuretrend
Financial
Training
You have made an enquiry about a new
career as a Qualified Mortgage Advisor.
The CeMAP certification is awarded by
the Institute of Financial Service (IFS) and
the qualification is assessed and awarded
by the Chartered Institute of Bankers.
About Us
Futuretrend has been established since December 2000
with far-reaching visions of excellence in the training and
personal development arena.
3
Market Arena for Mortgage Advisors
In recent years the property market has seen an
extraordinary level of growth with more people buying and re-
mortgaging properties for residential use or
investment purposes. The majority of property
acquisition by ordinary people is financed using a
mortgage.
During your training you will be taught how best to deliver ad-
vice according to the Financial Services Authority’s best prac-
tices - ensuring an impartial and transparent level of service
protecting both you and the client from any confusion. These
are some of the reasons why a career as a Mortgage Advisor is
suited for many people:
4
Commission Based Work Allows for
Uncapped Financial Earnings
Experienced, employed, mortgage advisors can expect basic
salaries of up to £35,000, plus commission and bonuses de-
pendent on performance. Currently,
positions are being advertised across the country with on-
target earnings of £40,000 to £50,000 p.a.
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Meeting People Face to Face
As a Mortgage Advisor you will often meet
people face to face to discuss their mortgage needs.
You will need to employ a multitude of interpersonal
skills to understand exactly what the client is looking
for and then advise and source the correct mortgage
product for them. The client will then make an inde-
pendent
decision based on your recommendation. You will
also be speaking to people on the telephone to dis-
cuss their personal circumstances and mortgage re-
quirements.
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Referral Clients
Providing you deliver a first rate ser-
vice, it is usually the case that your
satisfied clients will refer other peo-
ple to you for their mortgage needs.
This is an excellent opportunity for
you to extend your client portfolio as
a direct result of the level of
service you have delivered to your
existing clients.
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Courses Available
CeMAP 1
Certificate in Mortgage
Advice & Practice - Module 1
Unit 1 - Introduction to
Financial Services & Products
CeMAP 2
Certificate in Mortgage
Advice & Practice - Module 2
CeMAP 3
Certificate in Mortgage
Advice & Practice - Module 3
Assessment of Mortgage
Advice Knowledge
8
Also Available
EMPAD
Enhanced Mortgage Practise
and Advice Diploma
CePS
Certificate in Professional Sales
Please Note:
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CeMAP 1
Assessment Units
Unit 1 – Introduction to
Financial Services & Products
• FSA regulation – the role of the regulator, FSA Rules, and Guidance;
how the rules and guidance work in practice
• Money Laundering and Proceeds of Crime Act 2002 – How this im-
pacts on Financial Service, Compensation Scheme
• Data Protection Act 1998 – how this affects the provision of advice
and the conduct of firms other non-tax laws and regulations affect-
ing financial services products and providers
10
• National Insurance, Social Security Benefits, Monetary and Fiscal
policy; effect of interest rates changes; inflation and the effect on long
term financial planning
• ISA
• Derivatives
• Mortgages
• Pensions
11
CeMAP 2
Assessment Units
Unit 3 – Mortgage Law, Policy Practise &
Marketing
• Types of borrowers
12
• The role of a mortgage adviser and the process of providing advice
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CeMAP 3
Certificate in Mortgage Advice & Practice
- Module 3
CeMAP Module 3:
An Assessment of Mortgage Advice Knowledge
Candidates will have the opportunity to attempt at least six case study ques-
tions. These are self-marked and the learning points
arising from each question are taught where uncertainty still exists. Where it
arises during the workshop, the tutor will highlight the
connection between the question being reviewed and the FSA
Mortgage Conduct of Business Rule, enabling candidates to improve their
understanding of the practical application of Mortgage
Regulation.
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The workshop tutor will teach can-
didates to recognise the
terminology and phrases which
the Examiner uses in various case
studies. By the end of the work-
shop, candidates will either have
completed a second FULL CeMAP
Module, Three examination pa-
pers, or have one to take away
from the course to complete in
their own time. This will enable
them to analyse their
performance, and to identify areas
of the CeMAP syllabus that re-
quire further study prior to their
examination. Course content is
subject to change without notifica-
tion.
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Enhanced Mortgage Practice and
Advice Diploma (EMPAD)
EMPAD is a programme of study to enable new non-
industry experienced personnel to attain competent
adviser status. The training breaks down the subject
areas of knowledge that all advisers should have. Al-
though geared towards new recruits it may also provide
a refresher for experienced advisers. The training cov-
ers the following areas:
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EMPAD training consists of 6 stages (1 stage per day)
1st Stage:
Generic Product Knowledge module
Generic Sales Process module
– how to sell, know your customer
– effective presentations
- Needs analysis and prioritisations
2nd Stage:
Product Specific Sales Process module
Advised Sales – use of selection systems
Sales within the Law – what is legal/illegal
3rd Stage :
Compliance & Procedures module
Training & Competence module
4th Stage:
Technical Knowledge module
Contact management & processing software module
5th Stage:
Mortgage Case Studies module
6th Stage:
Authorisation Requirements module
Observed Sign off Role Plays
If selected for our Work Experience Program a qualified adviser will un-
dergo direct supervision with an experienced Mortgage Broker. The supervi-
sor will accompany the adviser on a minimum of 3 visits with clients. Until
the adviser is deemed competent the advisers will always present their rec-
ommendations to their supervisor before presentation to the client.
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Other Sector Training
Web Design
Intro to Dreamweaver
Dreamweaver PHP
Intro to Photoshop
Photoshop Advanced
Flash Animation
Flash ActionScript
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ICT
IT 4 Beginners
Using Windows
Microsoft Word
Microsoft Excel
Microsoft Access
Microsoft Outlook
PowerPoint Presentations
Microsoft Publisher
Specialist
PRINCE2 Foundation Course
PRINCE2 Conversion
Introduction to WinRunner
Fundamentals of LoadRunner
QuickTest Professional
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Contact Us
Tel: 0845 686 2888
Tel: 0208 443 2888
Email: info@cemap123.co.uk
Address:
81 Southbury Road
Enfield, Middlesex,
EN1 1PJ
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