Checked 23 October 2026. The format, pass marks and LIBF prices were read on LIBF’s pages and in its CeMAP qualification specification on 23 October 2026. Check the specification linked from LIBF’s CeMAP page before relying on a figure.
A CeMAP 2 mock exam today means two separate papers, because CeMAP 2 is now two unit exams. LIBF’s CeMAP page describes the Mortgages (MORT) module as “two units, one-hour exam for each unit: MRT1 with 50 multiple-choice questions and MRT2 with 40 multiple-choice questions.” Its specification sets the pass marks: 35 out of 50 in MRT1 and 28 out of 40 in MRT2. A mock built for the old CeMAP 2, whose four units were sat together for the initial exam in two hours, no longer matches either paper. This page sets out both exams, what each covers, the practice LIBF itself gives you, and two worked questions from our own CeMAP 2 mock exam; the free-sample boxes on this page start the mock’s four free questions (two from each unit) in our exam player. ProSyllabus is an independent study site. It is not affiliated with LIBF or Walbrook Institute London, and nothing here is official. Every rule and fee below is quoted or summarised from their own pages and specification, read on 23 October 2026.
LIBF CeMAP page and CeMAP qualification specification (published April 2026, last reviewed July 2026), read 23 October 2026.
FreeTests: Types of borrower · Additional security · Debt consolidation · Raising additional money
CeMAP 2 Mock Exam: free sample
Answer 4 questions against the clock, like the real exam. You then see the right answer, the reason and your time on each. About 5 minutes · free · no sign-in.
4 questions to answer
Start nowabout 5 minThis one is free · no sign-in needed
Your result shows how long each question took you.
The old CeMAP 2 and the new
LIBF’s page “Improvements to CeMAP” sets the two structures side by side. Under the old structure, “For initial exam, all four units are sat together (2-hour exam)”: MLPP with 25 questions, MAPP 25, MRPP 20 and MAPC 30, which its equivalence table calls Units 3, 4, 5 and 6. Under the new one, “Exams for each unit can be sat separately online (1 hour each)”: MRT1 with 50 questions and MRT2 with 40. The page’s key dates: registration for the new version from 30 September 2025, new-version exams online from 10 November 2025, and 12 January 2026 as the final date to sit or resit exams for the old version through Pearson VUE. A CeMAP 2 mock built as Units 3 to 6 is therefore the old format.
The two CeMAP 2 exams
| Unit | Exam | Pass (70%) | Merit level (80%) | Distinction level (90%) |
|---|---|---|---|---|
| MRT1: Mortgage Law, Practice and Application | 50 standalone multiple-choice questions, 1 hour | 35/50 | 40/50 | 45/50 |
| MRT2: Mortgage Products and Post Completion | 40 standalone multiple-choice questions, 1 hour | 28/40 | 32/40 | 36/40 |
Marks and grade boundaries as printed in the CeMAP qualification specification, Appendices 3 and 4. Each unit is passed on its own: a strong MRT1 mark does not make up for a weak MRT2.
Both units are taken online through LIBF’s learning platform with remote invigilation. LIBF’s Improvements to CeMAP page says you can sit them “back-to-back or, if you prefer, on separate days”, and its CeMAP qualification page says “Your first exam is included in the registration fee for each unit.” A resit costs £120 for the unit. The pass mark guide covers the resit limits, and the cost guide the fees.
What each unit covers
LIBF’s specification lists eleven learning outcomes for MRT1 and six for MRT2. In short, and in our words:
| Unit | Learning outcomes (summarised) |
|---|---|
| MRT1 | What a regulated mortgage contract, a second charge loan and a consumer buy-to-let loan are; buying at auction; types of borrower, including impaired credit, borrowers who are mortgage trapped and vulnerable customers; the lender’s and the adviser’s duties under MCOB; the property market, interest rates and the lending sector; affordability, suitability, term and verifying what the customer says; guarantors and other additional security; the fees and charges of buying and borrowing; property defects, value, valuations and surveys. |
| MRT2 | Raising more money: further advances, remortgages, second charge loans, bridging and equity release drawdown; porting, transfers of equity, converting and redeeming mortgages; debt consolidation; arrears and other breaches of the mortgage; lenders’ legal remedies on default; and the types of mortgage, interest rate options, government schemes, shared ownership and Islamic home finance. |
Our summary of the learning outcomes and assessment criteria in Appendices 3 and 4 of the CeMAP qualification specification. Read the specification itself for the full list.
Official practice from LIBF
| Resource | What LIBF says | Cost |
|---|---|---|
| Specimen exam, one for each unit | “one specimen exam per unit (further specimen exams can be purchased if required)”; “One free Practice Exam included for each unit” | Included in the registration fee |
| Further specimen exams | “You can buy a specimen exam for a single unit for £25. Or for £40 you will receive a specimen exam for the full module.” | £25 a unit; £40 a module |
| CeMAP Revision Tool (CRT) | “Includes all Practice Exam questions, plus additional knowledge check questions”, with a timed mode | Modules 2 and 3: £120 |
| Revision videos | Listed for CeMAP 2 and 3 together | £125 |
| Audio revision | Listed for Modules 2 and 3 together | £50 |
From LIBF’s CeMAP page, read 23 October 2026. For CeMAP 2 that makes two included specimen exams, one for MRT1 and one for MRT2.
LIBF also warns about practice material sold by anyone outside its accredited providers: “you should be very wary of buying these items”, because their quality “is unknown”. That applies to this site too. ProSyllabus is not an accredited provider and LIBF has not reviewed our questions. That is why the two questions below are printed in full, with the reasoning, so you can judge them against your study text.
FreeTests: Types of borrower · Additional security · Debt consolidation · Raising additional money
CeMAP 2 Mock Exam: free sample
Answer 4 questions against the clock, like the real exam. You then see the right answer, the reason and your time on each. About 5 minutes · free · no sign-in.
4 questions to answer
Start nowabout 5 minThis one is free · no sign-in needed
Your result shows how long each question took you.
Two worked CeMAP 2 questions
Two MRT1 questions, printed exactly as they appear in our CeMAP 2 mock exam, with the explanation the mock gives. The notes on technique are ours.
Worked question 1 · MRT1 · Types of borrower
Which description best fits a 'mortgage prisoner'?
- A borrower whose home has been repossessed and sold for less than the debt, and who must go on paying the shortfall to the lender, or to a debt purchaser, long after the sale even though they no longer own any property.
- A borrower who is up to date with payments but cannot switch to a cheaper deal with another lender because they do not meet current lending criteria, often while their loan is held by a firm that no longer lends.
- A borrower who is tied in by an early repayment charge until the end of a fixed rate, and so cannot move to a cheaper deal with another lender without paying the charge.
- A borrower whose mortgage term runs beyond their expected retirement age.
Answer: B. The term describes borrowers who keep up their payments but cannot move to a new lender, usually because lending criteria have tightened since they borrowed. Many have loans with inactive lenders or firms that no longer lend, which offer no new deals of their own.
Exam technique (our note): Option B is the only one that describes a borrower who is up to date but cannot move. Rule out the options that describe a repossession, a tie-in or a long term before choosing.
From the ProSyllabus CeMAP 2 mock exam: an original question, not an LIBF specimen or exam question. It is one of the free questions of that mock.
Worked question 2 · MRT1 · Additional security
A parent acts as guarantor on their daughter's mortgage. What does this mean for the parent?
- They have no liability unless they also live at the property.
- They are liable only for the lender's legal costs.
- They become a joint owner of the property.
- They can be required to make good the debt if the daughter fails to pay.
Answer: D. A guarantor promises the lender that they will meet the borrower's obligations if the borrower defaults. A guarantor should be advised to take independent legal advice before signing because they are taking on a real liability without owning the property.
Exam technique (our note): Ask who carries the risk. A guarantor owns nothing but owes the debt if the borrower does not pay, which is why the other options, which give the guarantor ownership or a limit on liability, fall away.
From the ProSyllabus CeMAP 2 mock exam: an original question, not an LIBF specimen or exam question. It is one of the free questions of that mock.
| Question | Unit and topic | Answer |
|---|---|---|
| 1 | MRT1: Types of borrower | B: A borrower who is up to date with payments but cannot switch to a cheaper deal with another lender because they do not meet current lending criteria, often while their loan is held by a firm that no longer lends. |
| 2 | MRT1: Additional security | D: They can be required to make good the debt if the daughter fails to pay. |
The table repeats the two answers for readers on a version of this page that does not show the cards.
Using a mock against the real pass mark
| Your mark | Against LIBF’s boundaries | What we would do next (our suggestion) |
|---|---|---|
| 45 to 50 in MRT1, or 36 to 40 in MRT2 | Distinction level (90%) | Keep one timed paper for the week of the exam and move to the other unit |
| 40 to 44 in MRT1, or 32 to 35 in MRT2 | Merit level (80%) | Re-read the study text for each topic where you dropped marks |
| 35 to 39 in MRT1, or 28 to 31 in MRT2 | Pass (70%), with little to spare | Too close to rely on. Work on your two weakest topics and sit another timed paper |
| 34 or fewer in MRT1, or 27 or fewer in MRT2 | Below the pass mark | Go back to the study text before another timed paper; a resit of the real exam costs £120 |
Boundaries from the CeMAP specification. A mark in a specimen or mock paper is a guide, not a prediction of the real result. Time every paper at one hour: MRT1 gives you 72 seconds a question and MRT2 90 seconds (our arithmetic).
What does my CeMAP 2 mock mark mean?
Pick the unit and enter how many questions you got right in a timed mock or specimen paper. The tool applies the pass, merit and distinction marks printed in LIBF’s specification.
Pass, merit and distinction marks from the CeMAP qualification specification (Appendices 3 and 4). A mock mark is a guide, not a prediction of the real result.
The same answers without the tool: in MRT1, 35 out of 50 passes, 40 is merit level and 45 is distinction level; in MRT2 the marks are 28, 32 and 36 out of 40.
What we could not find
| Question | What we found |
|---|---|
| A specimen paper on the LIBF pages we read | None is linked on them; the CeMAP page lists one specimen exam per unit among the study materials you get when you register. |
| How many questions LIBF sets on each learning outcome | The specification lists the outcomes but gives no weighting for them. |
| Past CeMAP 2 papers | None on the pages we read; they offer specimen exams. |
FreeTests: Types of borrower · Additional security · Debt consolidation · Raising additional money
CeMAP 2 Mock Exam: free sample
Answer 4 questions against the clock, like the real exam. You then see the right answer, the reason and your time on each. About 5 minutes · free · no sign-in.
4 questions to answer
Start nowabout 5 minThis one is free · no sign-in needed
Your result shows how long each question took you.
Frequently asked questions
How many questions are in CeMAP 2?
Ninety across two exams: MRT1 has 50 standalone multiple-choice questions and MRT2 has 40, each in one hour.
What is the CeMAP 2 pass mark?
70% in each unit: 35 out of 50 in MRT1 and 28 out of 40 in MRT2. Merit level is 80% and distinction level 90%.
Are MRT1 and MRT2 sat together?
They are separate exams. LIBF says you can sit them back-to-back or on separate days, online with remote invigilation.
Is there a free CeMAP 2 mock exam?
LIBF includes one specimen exam for each unit in your registration, so two for CeMAP 2. Independently, the ProSyllabus CeMAP 2 mock has four free questions, two from each unit; two MRT1 questions from the mock are worked through on this page.
What are CeMAP 2 exam questions like?
Standalone multiple-choice questions, each answered on its own: 50 in MRT1 and 40 in MRT2. Unlike CeMAP 1 and CeMAP 3, CeMAP 2 has no case studies.
Are old Unit 3 to 6 mock papers still useful?
Not as practice in the current shape: under the old structure the four units, 100 questions in all, were sat together for the initial exam in two hours. The current exams are MRT1 (50 questions) and MRT2 (40), each one hour. LIBF’s equivalence table counts passes in Units 3 and 4 towards MRT1 and a pass in Unit 6 towards MRT2.
How much does a CeMAP 2 resit cost?
£120 per unit, on LIBF’s page as read on 23 October 2026.
Can I buy the CeMAP 1, 2 and 3 mocks together?
Yes. ProSyllabus sells its CeMAP 1, CeMAP 2 and CeMAP 3 mocks as one bundle, for less than the three cost bought separately.
Are the ProSyllabus questions real CeMAP exam questions?
No. They are original questions written to the learning outcomes in LIBF’s specification. They are not LIBF specimen or exam questions and LIBF has not reviewed or endorsed them.
Sources
- official — LIBF (Walbrook Institute London): Certificate in Mortgage Advice and Practice (CeMAP), qualification page with fees (read 23 Oct 2026)
- official — LIBF Level 3 Certificate in Mortgage Advice and Practice (CeMAP), qualification specification (published April 2026, last reviewed July 2026), Appendices 3 and 4
- official — LIBF: Improvements to CeMAP from 30 September 2025 (old and new structure, equivalences)
official = a document published by the conducting body. reported = a news or coaching site we could not check against an original. Where sources disagree this page says so rather than picking one.
