CII
Level 4
QN: 601/3057/X
Curriculum Active
CII Level 4 Certificate In Advanced Mortgage Advice
Official qualification regulated by Ofqual, awarded by CII. Classified as a Vocationally-Related Qualification.
Qualification Level
Level 4
Awarding Body
CII
Syllabus Units
3 Units
Guided Hours
Flexible
Instant access to interactive lessons, quizzes, and spaced revision.
Course Syllabus & Study Modules
Complete breakdown of verified curriculum topics and learning objectives.
1
Advanced mortgage advice
Verified
Key Learning Objectives:
- Explain the key elements of the mortgage process.
- Explain specialised types of mortgage lending.
- Explain the main challenges in the mortgage industry.
- Explain the key elements of appropriate mortgage advice.
- Recommend appropriate mortgage solutions to clients with complex needs and circumstances.
2
Financial services, regulation and ethics
Verified
Key Learning Objectives:
- Understand the UK financial services industry in its European and global context.
- Understand how the retail consumer is served by the financial services industry.
- Understand legal concepts and considerations relevant to financial advice.
- Understand the regulation of financial services.
- Understand the financial regulators' responsibilities and approach to regulation.
- Apply the principles and rules as set out in the regulatory frame
- Apply the regulatory advice frame
- work in practice for the consumer.
- Understand the range of skills required when advising clients.
- Understand the financial regulators' use of principles and outcomes based regulation to promote ethical and fair outcomes.
- Apply the Code of Ethics and professional standards to business behaviours of individuals.
- Critically evaluate the outcomes that distinguish between ethical and compliance driven behaviours.
3
Mortgage advice
Verified
Key Learning Objectives:
- Understand the rules relating to the regulation of mortgages according to the Mortgages and Home Finance: Conduct of Business Sourcebook (MCOB).
- Understand the ho
- use-buying process, the key parties involved and their roles.
- Understand the different forms of valuation and survey, the factors that affect property values, and the implications for consumers and mortgage lenders.
- Understand the common types of borrower and how their main mortgage-related requirements may differ, what factors may disqualify people from borrowing and the purpose of additional security including that of guarantors.
- Understand the economic context for giving mortgage advice.
- Understand the role of a mortgage adviser and the importance and principles of providing advice, including the key factors affecting the advice given
- Understand the fees and charges involved in property transactions, including purchase / sale, remortgage, further advance and equity release.
- Understand the main features of mortgage related protection products, their uses and lenders’ requirements.
- Understand the principles, procedures and legal implications associated with raising additional money and transferring mortgages.
- Understand the risks associated with debt consolidation for the consumer and the implications for mortgage lenders.
- Understand the implications, rights and remedies for the borrower and the lender of non-payment of the mortgage and associated products.
- Understand the main provisions made by the State to assist homeowners and homebuyers.
- Understand the main requirements of the legislation affecting homeownership, tenure and mortgage finance.
- Understand the key features and structure of mortgage products and their interest rate options.
- Understand the key features of the different types of mortgage capital and interest repayment options.
- Analyse consumers’ circumstances and recommend appropriate mortgage solutions to specific consumers’ circumstances.
Regulatory & Verification Details
- Qualification Number (QN)
- 601/3057/X
- Regulated Status
- Available to learners
- Awarding Body
- CII
- Qualification Type
- Vocationally-Related Qualification
- Operational Start
- Apr 2014