The UK financial services industry, how consumers are served, legal concepts and how the FCA and PRA regulate the market.

Advice skills, applying regulatory principles to client relationships, and ethical judgement at work.

Regulated mortgage contracts, borrower types, MCOB, affordability and suitability, fees, surveys and property valuation.

Further advances, remortgages, debt consolidation, arrears and lender remedies, and the full range of mortgage products.

The synoptic CeMAP 3 case-study exam. Covers both ASEW (England & Wales) and ASSC (Scotland).

The UK financial services industry, legal concepts, FCA/PRA regulation, the advice framework and professional ethics.

Asset classes, macro-economics, investment theory, time value of money, risk, investment products and planning.

Income tax, CGT, IHT and the taxation of investments for individuals and trusts, based on the 2026/27 tax year.

Pension tax rules and allowances, DB and DC schemes, drawing benefits, State Pension and retirement planning.

Protection needs, State benefits, life, income protection, critical illness and long-term care insurance.

Risk, the insurance market, contract and agency, the core principles of insurance, regulation, complaints and the CII Code of Ethics.

Motor, property, pecuniary, health and liability products, underwriting and policy wordings, premiums and claims.

Material circumstances, underwriting procedures, policies, renewals, pricing and managing exposure.

Claims principles, products and services, claims administration and procedures, settlement and managing expenses.

The motor market, scope of cover, legal and regulatory rules, rating and underwriting, claims and motor ICT.

Household cover, legal and regulatory considerations, risk assessment and rating, and household claims.

The broking market, the broker's role and responsibilities, contract and agency, legal, regulatory and financial issues.

The concept of risk, identifying, analysing, evaluating and treating risk, and business continuity management.