CeMAP 2&3: Topic 22

CeMAP 2&3: Topic 22

Author: Charlotte Hemmingway July 11, 2025 Duration: 25:09

In this episode, we're breaking down interest-only repayment strategies — a topic that can feel overwhelming but is essential for CeMAP 2&3 and real-life mortgage advising.

Here’s what we cover:

👉🏻 What exactly is an interest-only mortgage and when it’s used

👉🏻 The key types of repayment vehicles your clients might use to clear the capital

✅ ISA's as repayment vehicles

✅ Pension-linked repayment plans

✅ Help to Buy ISAs – how they work, and their restrictions

✅ Lifetime ISAs (LISAs) – and how they differ from the above

👉🏻 Pros and cons of each vehicle, and what CeMAP wants you to know

This is a really practical topic and a favourite for exam questions, so make sure you give this one your full attention!

💼 Quick shoutout…

If you're self-employed or newly qualified and need an accountant who gets this industry — I highly recommend Leila, who looks after me and a bunch of my students.

You can start a WhatsApp chat with her here:

👉🏻 https://wa.me/447999625555

She’s smart, supportive, and brilliant at breaking things down in plain English.

📝 Don’t forget — if you’re studying through the e-learning platform, you’ll find bonus resources and flashcards for this topic under the CeMAP 2&3 section.

Let’s get you exam ready (and mortgage advice ready, too). You've got this.

https://linktr.ee/futureinfinance

— Charlotte & Maria x


Navigating the CeMAP exams can feel like a solitary task, but it doesn't have to be. Hosted by Charlotte Hemmingway, The CeMAP Study Podcast with Future in Finance is designed to be the supportive voice in your ear, turning complex financial regulations and mortgage advice principles into clear, manageable concepts. This isn't about generic study tips; it's a structured audio resource that mirrors your syllabus. The first season provides a comprehensive walkthrough of the CeMAP 1 module, breaking down topics into digestible weekly episodes. Following that, the second season seamlessly continues your journey, covering the material for CeMAP 2 and 3. You'll hear straightforward explanations and practical insights that aim to replace confusion with clarity, whether you're new to the industry or brushing up on your knowledge. With new content released every week, including updated CeMAP 1 material relevant for the 2025 syllabus and beyond, this podcast ensures your study materials stay current. Think of it as having a knowledgeable tutor available on-demand, transforming your commute, workout, or coffee break into a productive study session. The focus is on delivering tangible guidance you can apply directly to your revision and future career in finance, making the path to qualification feel a little less daunting and a lot more achievable.
Author: Language: English Episodes: 67

The CeMAP Study Podcast with Future in Finance
Podcast Episodes
Future In Finance: #24 Other Regulation Affecting the Advice Process [not-audio_url] [/not-audio_url]

Duration: 18:18
The CeMAP Study Podcast that continues to not be beige! 🎙️ Get ready for an exhilarating new episode as we delve into Topic 24: Other Regulation Affecting the Advice Process, brought to you by your hosts, Charlotte & Mar…
Future in Finance: #23 Anti Money Laundering [not-audio_url] [/not-audio_url]

Duration: 20:06
The CeMAP Study Podcast that continues to not be beige! 🎙️ Get ready for an exhilarating new episode as we delve into Topic 23: Anti Money Laundering, brought to you by your hosts, Charlotte & Maria (the money muggle). W…
Future in Finance #22: Consumer Credit [not-audio_url] [/not-audio_url]

Duration: 18:06
The CeMAP Study Podcast that continues to not be beige! Consumer Credit 🎙️ Get ready for an exhilarating new episode as we delve into Topic 21: Conduct of Business Requirements II, brought to you by your hosts, Charlotte…
Future in Finance #21: We're Baaaaaaack [not-audio_url] [/not-audio_url]

Duration: 41:06
The CeMAP Study Podcast that continues to not be beige! Re-Kicking back off with Conduct of Business Requirements II 🎙️ Get ready for an exhilarating new episode as we delve into Topic 21: Conduct of Business Requirement…
Future in Finance #20: Prudential Supervision [not-audio_url] [/not-audio_url]

Duration: 20:49
The CeMAP Study Podcast that continues to not be beige! 🎙️ Get ready for an exhilarating new episode as we delve into Topic 19: Prudential Supervision, brought to you by your hosts, Charlotte & Maria (the money muggle).…