CeMAP 2&3: Topic 23

CeMAP 2&3: Topic 23

Author: Charlotte Hemmingway October 3, 2025 Duration: 27:11

Topic 23 is where things get practical — we’re diving into the different types of mortgage products and interest rate options you’ll need to know inside-out for your CeMAP exams (and future advice career).

By the end of this episode, you’ll be able to confidently compare the main types of deals, explain how they work to a client, and understand the pros and cons of each.

Here’s what we cover:

✅ Fixed Rate Mortgages – stability, predictability, and what happens when the deal ends

✅ Discounted Rates – how they’re linked to lender’s SVR and why they can look better than they really are

✅ Standard Variable Rates (SVRs) – why clients often drift onto them, and why it’s rarely a good thing

✅ Tracker & Capped Rates – how they follow the Bank of England base rate, and what protection (if any) clients get

Want to make sure this all sticks?

Try the free version of my CeMAP e-learning platform and see how I teach:

👉🏻 Get Started for Free

https://linktr.ee/futureinfinance

Or, join me inside 6 Weeks to CeMAP, the structured programme designed to take you from zero to exam-ready with full support:

👉🏻 View the Course

https://www.futureinfinance.co.uk/6weekstocemap1

📲 Got questions?

Drop me a WhatsApp on 07825 149137 – I’m here to help you feel calm, clear, and confident all the way to qualification.


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
CeMAP 2&3: Topic 10 [not-audio_url] [/not-audio_url]

Duration: 25:01
If you're thinking about studying for your CeMAP exams & have no idea where to start - don't worry, I got you. Here's how is works. Season 1 is dedicated to your CeMAP 1 sutides & Season 2 is there for your CeMAP 2&3 les…
CeMAP 1: Topic 8 [not-audio_url] [/not-audio_url]

Duration: 21:02
If you're thinking about studying for your CeMAP exams & have no idea where to start - don't worry, I got you. Here's how is works. Season 1 is dedicated to your CeMAP 1 sutides & Season 2 is there for your CeMAP 2&3 les…
CeMAP 2&3: Topic 9 [not-audio_url] [/not-audio_url]

Duration: 29:59
If you're thinking about studying for your CeMAP exams & have no idea where to start - don't worry, I got you. Here's how is works. Season 1 is dedicated to your CeMAP 1 sutides & Season 2 is there for your CeMAP 2&3 les…
CeMAP 1: Topic 7 [not-audio_url] [/not-audio_url]

Duration: 20:55
If you're thinking about studying for your CeMAP exams & have no idea where to start - don't worry, I got you. Here's how is works. Season 1 is dedicated to your CeMAP 1 sutides & Season 2 is there for your CeMAP 2&3 les…
CeMAP 2&3: Topic 8 [not-audio_url] [/not-audio_url]

Duration: 25:00
If you're thinking about studying for your CeMAP exams & have no idea where to start - don't worry, I got you. Here's how is works. Season 1 is dedicated to your CeMAP 1 sutides & Season 2 is there for your CeMAP 2&3 les…
CeMAP 1: Topic 6 [not-audio_url] [/not-audio_url]

Duration: 18:05
If you're thinking about studying for your CeMAP exams & have no idea where to start - don't worry, I got you. Here's how is works. Season 1 is dedicated to your CeMAP 1 sutides & Season 2 is there for your CeMAP 2&3 les…
CeMAP 2&3: Topic 7 [not-audio_url] [/not-audio_url]

Duration: 20:00
If you're thinking about studying for your CeMAP exams & have no idea where to start - don't worry, I got you. Here's how is works. Season 1 is dedicated to your CeMAP 1 sutides & Season 2 is there for your CeMAP 2&3 les…
CeMAP 1: Topic 5 [not-audio_url] [/not-audio_url]

Duration: 27:20
If you're thinking about studying for your CeMAP exams & have no idea where to start - don't worry, I got you. This weeks episode is dedicated ENTIRELY to your CeMAP 3 exam.New episodes dropping every week INCLUDING bran…
CeMAP 2 & 3: Episode 6 [not-audio_url] [/not-audio_url]

Duration: 27:59
If you're thinking about studying for your CeMAP exams & have no idea where to start - don't worry, I got you. Here's how is works. Season 1 is dedicated to your CeMAP 1 sutides & Season 2 is there for your CeMAP 2&3 les…
CeMAP 1: Topic 4 [not-audio_url] [/not-audio_url]

Duration: 26:28
If you're thinking about studying for your CeMAP exams & have no idea where to start - don't worry, I got you. Here's how is works. Season 1 is dedicated to your CeMAP 1 sutides & Season 2 is there for your CeMAP 2&3 les…