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Personal Finance Society
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Develop and diversify your mortgage advice capabilities

The RQF Level 4 Certificate in Advanced Mortgage Advice goes beyond the FCA's minimum qualification requirements, enabling mortgage advisers to diversify their advice capabilities and equipping them to advise clients with complex needs and circumstances.

The Certificate is an ideal next-step for holders of the CII Level 3 Certificate in Mortgage Advice, only requiring completion of one further unit where units R01 and CF6 are held.

The Certificate involves completion of three compulsory units:

Unit syllabuses setting out the learning outcomes for each unit can be found on the right of this page.

Who it's for

The Certificate is particularly suitable for:

  • Mortgage advisers wanting to progress to the highest level of mortgage qualification;
  • Anyone working a non-advisory role in the mortgage market, for example, technical consultants or those in support roles

Entry requirements


Completion requirements can be found on the right of this page. 

Learning support

Unit study materials for this qualification include:

  • Study text with updates
  • RevisionMate online study support
  • Blended learning package
  • Key fact booklets
  • Question packs
  • Audio revision
  • Revision courses

How you're tested

Each unit is assessed by a single multiple-choice on screen exam, tested year-round throughout the UK at a choice of over 40 centres. Find out more by selecting the completion requirements link to the right of this page. 

Member designation 

Completion entitles members who are also members of the CII's Society of Mortgage Professionals to use the designation  Cert SMP. Continuing professional development requirements apply.

Your next step  

The links at the top right of this page contain all the information you need to finalise your entry.

To order your study text and assessment entry, please use the individual unit links. 

Read the Certificate in Advanced Mortgage Advice specification »


CII qualifications involve the completion of one or more units, each covering an individually assessed topic. Assessment methods vary and depend on a unit's level and subject matter.

Assessment methods include:

  • Multiple-choice exams - the assessment method for Award, Certificate, and financial services 'R0' Diploma units assessed in the UK. Exams are delivered on-screen at a network of over 40 public centres across the UK. Sittings are available year-round, often on a weekly basis.
  • Written exams - the assessment method for some Diploma and Advanced Diploma units and all units examined outside the UK. Sittings are typically available twice-yearly in April and October at over 50 public centres throughout the UK and over 100 public centres outside the UK.
  • Coursework assessment - available for a select number of Advanced Diploma in Insurance units and the financial services unit (J09) Paraplanning, coursework assessment involves the completion of three written assignments during a 12 month period.
  • Mixed assessment - Initially introduced for unit (P92) Insurance business and finance, this has been extended to units (P05) Insurance law, (P80) Underwriting practice, (P81) Insurance broking practice and (P85) Claims practice from April 2015 and and will be extended to all Diploma in Insurance units by April 2018 (unit codes begin with the letter M). This involves the successful completion of both a coursework assignment and a multiple-choice exam. This has an 18 month enrolment period.
  • Dissertation assessment - available for the Advanced Diploma unit 991 London market insurance specialisation. This involves the submission of a dissertation proposal and an 11,000 word dissertation. This has an 18 month enrolment period. This unit should only be taken by those who have access to the necessary information and people in the London Market.

Find out more

It is essential that candidates familiarise themselves with the guidelines and instructions which are shown on the CII website under the relevant units. In addition candidates should familiarise themselves with the coursework and dissertation policies as well as exam policies (before the assessment) and notes to results (after the assessment).

Key facts

Key facts for the Certificate in Advanced Mortgage Advice

Ofqual Regulated Qualification Framework (RQF) Level Level 4
Number of available units 1 Certificate unit and 2 Diploma units
Compulsory units 3 units
• (R01) Financial services, regulations
and ethics;
• (CF6) Mortgage advice; and
• (R07) Advanced mortgage advice
CII credits required to complete (existing credits carried forward) 55
CII credits per unit R01/CF6 - 20 credits
R07 - 15 credits
Combination of units at any level allowed Yes
At Certificate and Diploma level

(subject to completion requirements)
Exam format R01
• Online, 2 hours
• 100 multiple choice questions (MCQs)
• Online, 3 hours
• 100 MCQs and five case studies,
each comprising five MCQs
• Online, 2 hours
• 55 MCQs and four case studies, each
comprising five MCQs
Average study time per unit R01 - 60 hours
CF6/R07 - 70 hours
Availability of exam sessions (Details shown apply to the UK. Outside of the UK exams are offered twice-yearly) Year-round
Availability varies from centre
to centre, but typically weekly
Entry requirements? None
Credits available for prior learning? Yes
Record of Achievement issued for each exam pass? Yes
CII/PFS membership designation Cert SMP

Completion requirements

To complete the Certificate you need to obtain 35 CII credits by passing three compulsory units: R01, CF6 and R07.

R07 builds on knowledge gain for completing CF6, so we recommend you tackle CF6 before moving on to R07.

Units Credits and level  Study hours per unit ** Assesment method Exam sessions Nominal pass mark *** Results notification
R01 20 - Level 4 60 2 hour exam comprising 100 MCQs Year-round 65% Immediate notification of results
CF6 * 20 - Level 4 100 3 hour exam comprising 100 MCQs and 5 case studies, each comprising 5 MCQs Year-round 70% Immediate notification of results
R07 15 - Level 4 70 2 hour exam comprising 55 MCQs and 4 case studies, each comprising 5 MCQs Year-round 65% Immediate notification of results

* Holders of the withdrawn CII unit '(MAQ) Mortgage Advice Qualification' satisfy this requirement.

** The recommended minimum study hours shown below will vary according to your experience and ability. 

*** The nominal pass mark is shown, however, the actual pass mark may vary from one session to another to ensure that the pass standard remains constant.


Assessment information

It is important that candidates entering for a CII assessment familiarise themselves with our service, in particular the rules and procedures that are in place.


R01 Financial services, regulation and ethics

At the end of this unit candidates will be able to demonstrate their knowledge, understanding and skill in applying the following topic areas:

  • UK financial service industry in its European and Global context;
  • how the retail customer is served by the financial service industry;
  • Regulatory framework, powers and responsibilities to protect the consumer;
  • the legal concepts and considerations relevant to financial advice;
  • the Code of Ethics and its impact on the business behaviours of individuals.


CF6 Mortgage advice

At the end of this unit, candidates should be able to understand the:

  • house buying process, from making an offer to completion and the key parties involved;
  • different types of borrowers and how to meet their individual mortgage needs;
  • different types of mortgage product and repayment options and their suitability for the client;
  • legislative and regulatory position of mortgages and the requirements of a mortgage adviser.


R07 Advanced mortgage advice

At the end of this unit, candidates should be able to:

  • explain the key elements of the mortgage process;
  • explain the specialist types of mortgage lending;
  • explain the main challenges in the mortgage industry; and
  • recommend the appropriate mortgage advice to clients with complex needs and circumstances.