CeMAP practice questions

What makes a good CeMAP practice question?

Not all practice questions are equal. The ones that actually prepare you for the exam:

• Test the same phrasing and logic as real CeMAP questions — not just the raw fact
• Include plausible wrong answers that reflect common misconceptions
• Explain why each wrong answer is wrong, not just what the right answer is
• Cover the topics that are actually weighted heavily in the exam

Topics covered in the cemap·coach question bank

FRE1 — Industry, Regulation & Key Parties

• The UK financial services industry and key institutions
• FCA regulation, authorisation and the regulatory framework
• Consumer Duty — the four outcomes and how they differ from TCF
• Data protection and GDPR in financial services
• Key parties in a mortgage transaction
• Professional standards and conduct of business
• Complaints handling and the Financial Ombudsman Service
• Financial crime — money laundering, fraud, and KYC obligations

FRE2 — Products, Finance & Advice

• Types of mortgage and their features
• Affordability assessment and stress testing rules
• The advice process — fact-find, suitability, documentation
• State benefits and their impact on affordability
• Intestacy rules and estate planning basics
• Protection products — life assurance, CIC, income protection
• Ethics and conflict of interest
• Buy-to-let mortgages and ICR calculations

How the question bank is served

cemap·coach serves questions in randomised rounds of 10. Every round draws from a pool of ~35 questions per topic, prioritising questions you haven't seen recently and topics where your accuracy is lowest. After three rounds, the pool reshuffles so you never see the exact same sequence twice.

This is spaced repetition at the question level — you spend the most time on the things that are actually costing you marks.

Example question: Consumer Duty