The CeMAP Study Podcast with Future in Finance

At the start of this year, I made some big changes to how I offered CeMAP training. I pulled my best-selling 5 day fast track courses and went all in on the 6 week model, thinking it was the best solution for everyone. And while it did work brilliantly for a lot of you… it didn’t work for all of you. In this episode, I talk openly about that decision, what I’ve learned over the past few months, an...

Because if you’re about to invest your time and money into a CeMAP provider, you deserve to understand exactly what that actually means (and what it doesn’t). Inside this episode, we walk you through: What LIBF accreditation actually is Why some providers shout about it (and why others don’t) The assumptions people make about “accredited” providers The reality of how people actually pass CeMAP exa...

This week on the podcast we're joined by Terry Blackburn, the man who built, scaled and sold one of the UK’s largest brokerages, before turning his focus to coaching and adviser community building. We're here having a very honest conversation about where the mortgage industry is heading. The “new breed” of mortgage adviser is not the same as it was ten years ago. We talk about: * What the modern a...

This week’s episode is a special one. We had the absolute pleasure of sitting down with Sam Lappin, and it turned out to be totally unmissable for anyone who has yet to find their path after they finish CeMAP. In this episode, we dig into: * The different routes available after CeMAP * Employed vs self-employed pathways * The difference between DA & AR * The types of support new advisers reall...

There’s a lot of noise around CeMAP — and a surprising amount of it is simply wrong. In this episode Maria and I break down the biggest lies people hear about CeMAP, the ones that stop capable people from starting at all or leave people questioning themselves when nothing is actually wrong. We cover: * The myth that CeMAP is only for people who are good at maths * Why you don’t need a finance back...

Home exams can feel intimidating especially when the rules and expectations aren’t always explained clearly. In this episode, Maria the Money Muggle and I break down everything you need to know about sitting your CeMAP exams from home on the new format, so you can go in feeling prepared rather than panicked. We cover: • The new home exam layout and what’s changed * What to do before exam day to av...

In this episode, I break down exactly what’s changed, who it affects, and (most importantly) what you actually need to study for each exam. We cover: * How CeMAP 2 can now be sat in two halves * Which topics are tested in each part * Why Topics 16–19 sit separately * How CeMAP 3 builds on CeMAP 2 * What’s changed with textbooks and digital materials * What to do if you can’t find your content clea...

CeMAP looks different going into 2026 — and in this first episode of the newly refreshed Future in Finance podcast, Charlotte and Maria sit down to talk through what’s actually changed, what hasn’t, and what it really means if you’re starting (or restarting) your CeMAP journey. This episode is about clarity, not panic. Together, we cover: • what has genuinely changed with CeMAP and FSRE • what we’...

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 juggl...

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...

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: ✅ F...

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...

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...

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 se...

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 – W...

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 plent...

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 r...

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 Deadl...

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...

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’...

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 End...

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)....

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)....

We’re back! After a little break from the podcast, I’m diving straight into Topic 18 of your CeMAP 1 journey — and this one’s a biggie. But first, I’m sharing a personal update on where I’ve been, why there have been no new episodes recently, and what the end of the Masterclasses means (yes, really) — plus a sneak peek at what’s coming next. --- Here’s what we cover in Topic 18: ✅ What the Senior...

We’ve officially made it to the second half of the CeMAP 1 exam. 🎉 In this episode, we dive into Topic 17, and it's a big deal because it marks your very first introduction into the world of financial services regulation. (Spoiler alert: this is where the serious stuff starts!) Don’t worry though — we’re breaking it all down into bite-sized, easy-to-digest chunks. Because let’s be honest, no one...