CeMAP changed in 2025: the five new units
Since 30 September 2025 CeMAP has five shorter units instead of three long papers: FRE1, FRE2, MRT1, MRT2 and a final case-study unit. Every exam is now sat online from home, whenever you're ready, and passes in the old units carried over automatically.
From Walbrook's page on the changes, the CeMAP specification (version 14, July 2026) and the FSRE specification. Checked 6 November 2026.
The five units
| Unit | Exam | Pass |
|---|---|---|
| FRE1Industry, Regulation and Key Parties | 1 hour: 25 questions, then 3 case studies × 5 linked questions | 28 of 40 |
| FRE2Skills, Principles and Ethical Behaviours | 1 hour: 25 questions, then 3 case studies × 5 linked questions | 28 of 40 |
| MRT1Mortgage Law, Practice and Application | 1 hour: 50 questions | 35 of 50 |
| MRT2Mortgage Products and Post Completion | 1 hour: 40 questions | 28 of 40 |
| ASEW or ASSCAssessment of Mortgage Advice Knowledge | 2 hours: 6 case studies × 10 linked questions | 42 of 60 |
Every unit is passed at 70%, with a merit at 80% and a distinction at 90%. FRE1 and FRE2 together also make up Walbrook's separate FSRE qualification, which is shared with its financial advice diploma. The case-study unit has an England and Wales version (ASEW) and a Scotland version (ASSC), which differ on house buying.
What changed for candidates
- Three papers became five units, each with its own one-hour exam, apart from the final unit at two hours.
- Exams moved from Pearson VUE test centres to Walbrook's Brightspace platform, sat at home with remote invigilation, any time, with no booking. See the remote exam checklist.
- Linked case-study questions arrived early: 15 of the 40 marks in both FRE1 and FRE2, not just in the final unit.
If you started on the old CeMAP
Passes in the old units moved over automatically. Walbrook says there's nothing you need to do.
| You passed | It counts as |
|---|---|
| CeMAP 1 (UKFR: units ITFS and UKFS) | FRE1 and FRE2 |
| CeMAP 2: MLPP and MAPP | MRT1 |
| CeMAP 2: MAPC | MRT2 |
| CeMAP 2: MRPP on its own | Nothing. You need MRT1 and MRT2 |
| CeMAP 3 (ASSM) | ASEW or ASSC |
If your registration was moved to the new version, its clock restarted with a fresh 12 months, and study materials you'd bought for unfinished units were swapped for the new ones.
The dates
| 30 September 2025 | Registration opens for the new CeMAP |
|---|---|
| 24 October 2025 | Specimen papers for the new units released |
| 10 November 2025 | New exams open on Brightspace |
| 12 January 2026 | Last day to sit an old-format exam |
| 13 January 2026 | Everyone still on the old version moved to the new one |
Questions
- When did CeMAP change?
- Registration for the new five-unit CeMAP opened on 30 September 2025, and the new exams opened on Brightspace on 10 November 2025. The last old-format exams were sat on 12 January 2026, and everyone still on the old version moved to the new one on 13 January 2026.
- What are the new CeMAP units?
- FRE1 Industry, Regulation and Key Parties; FRE2 Skills, Principles and Ethical Behaviours; MRT1 Mortgage Law, Practice and Application; MRT2 Mortgage Products and Post Completion; and the final case-study unit, Assessment of Mortgage Advice Knowledge, in an England and Wales version (ASEW) or a Scotland version (ASSC).
- I passed CeMAP 1 under the old format. Do I need to sit FRE1?
- No. A pass in the old CeMAP 1 (UKFR) counts as both FRE1 and FRE2, and Walbrook moved it over automatically.
- Do I have to sit the CeMAP units in order?
- No. Walbrook suggests FRE1, MRT1, FRE2, MRT2 and then the case-study unit last, because it draws on everything else, but you can take them in the order you choose.
- How much does CeMAP cost now?
- Walbrook lists £735 for the full qualification, including study materials and the first attempt at each exam. Resits are £120 a unit. Check its CeMAP page for the current price before you register.
See where you stand
The free FRE1 mock is laid out like the real paper: 40 questions, 3 case studies, one hour, and your marks by learning outcome at the end.
Start the mock- FRE1 mock, paper 2Forty different questions in the same layout, for a second timed sitting once you have done the first.
- CeMAP study plannerYour start date and hours a week in; a plan for every unit and the date to sit each one out.
- Who inherits without a will?Answer a few questions about the family and see who inherits under the intestacy rules, and how much.
- Drill one learning outcomePick the criterion that cost you marks and answer only its questions, with each answer explained.
- The FRE1 exam: format, pass mark and what it testsHow the paper is laid out, the marks you need, and every assessment criterion in the syllabus.
- Remote exam checklist for CeMAPYour computer, room, ID and the day itself, as a list you can print and tick off.
- How to answer CeMAP case-study questionsHow linked questions work, and a way through five of them without losing marks to one misread fact.
- CeMAP or the CII route?The two main ways to qualify as a mortgage adviser in the UK, side by side.
- Is CeMAP hard?What actually trips candidates up in the new exams, and how much study it takes.
- Can you do CeMAP with no experience?Who can sit it, how long it takes from a standing start, and what comes after you pass.