Pass mark for every CeMAP unit
35 out of 50 questions on a standard 50-MCQ paper
| Unit | Questions | Pass mark | Questions needed |
|---|---|---|---|
| FRE1 | 50 MCQ | 70% | 35/50 |
| FRE2 | 50 MCQ + case study | 70% | 35/50 |
| MRT1 | 50 MCQ | 70% | 35/50 |
| MRT2 | 50 MCQ + case study | 70% | 35/50 |
| Grade | Typical threshold | Questions needed (50-Q paper) |
|---|---|---|
| Pass | 70% | 35/50 |
| Merit | ~80% | ~40/50 |
| Distinction | ~90% | ~45/50 |
Exact merit and distinction thresholds can vary slightly between sittings. A pass at 70% is all you need to qualify as a mortgage adviser — the higher grades are optional.
The pass mark is 70%, but aim for 75% or above in your practice mocks before booking the real exam. This gives you a realistic buffer for:
If you're scoring 75%+ consistently across multiple mocks, with no individual topic below 65%, you're ready to book.
There is no limit to the number of times you can resit a CeMAP unit. You pay a resit fee (typically £90–£150+) and rebook through Walbrook Institute London. There is no compulsory waiting period between attempts, but you are limited to two sittings per unit per calendar month.
The cost of a resit is one of the main financial arguments for thorough preparation. cemap·coach's full CeMAP access at £99 costs less than a single resit fee — making proper preparation a straightforward financial decision.
Answer 4 questions and get your readiness score, pass probability and the exact topics to study first.
Take the free assessment →Yes. You must pass every unit in the CeMAP qualification before you can use it to apply for FCA authorisation as a mortgage adviser. Units can be passed in any order.
CeMAP certificates do not expire. Once you have passed a unit, the pass stands indefinitely. However, some employers may require evidence of recent CPD to ensure your knowledge remains current.
Yes. The pass mark is fixed at 70% and does not vary based on overall candidate performance (unlike some professional exams that norm-reference their results).