The qualification teaches the rules. The Academy teaches the job.

No — but you need to be working toward it or hold an equivalent qualification. The programme is designed for people who are CeMAP-qualified, CeMAP 1 or 2 complete or who are actively working toward qualification. If you have significant industry experience without a formal qualification, we still want to hear from you — include the detail in your application.

No. The Lockhart Murphy Academy is a practical training programme, not a regulated qualification. It does not replace CeMAP, CeRER or any other FCA-recognised qualification. Passing the programme does not make you a mortgage adviser — the FCA requires you to hold an appropriate qualification and to be supervised by an authorised firm before advising clients.

Yes. Students who complete all nine sessions and meet the standard are awarded the Lockhart Murphy Academy Certificate of Completion. It is not issued automatically — you have to earn it. Each programme takes fewer than 30 students, so the certificate is held by a small and deliberate number of professionals in the UK mortgage market. When a recruiter, a network or a hiring firm sees it, they know what it means.

Fewer than 30. We do not run large cohorts because quality of instruction and individual attention deteriorate above a certain group size. We would rather run more programmes than run worse ones. Every application is reviewed personally — not everyone who applies is accepted.

Three reasons. First, the instruction: live sessions with working advisers who could be arranging mortgages instead of teaching you. Second, the expertise: the people delivering this have arranged over £250m of lending between them — that is not a commodity. Third, and most importantly: what you are buying is a blueprint for generating significant income. A mortgage broker who generates five residential cases a month earns more in a year than most people assume. This programme teaches you how to build the pipeline that gets you there. One competently handled case covers the cost. A well-built practice returns it many times over.

The Mentor Add-on gives you four one-to-one sessions with a Lockhart Murphy adviser after the programme ends. These are working sessions, not motivational chats — we will look at your own cases, documents and client conversations and give you specific feedback on what to improve.

Programmes run throughout the year. Once your application is accepted you will receive dates for the next available programme. Each runs across three consecutive weeks with two live sessions per week plus case work between sessions.

Roughly eight to ten hours per week across the three weeks — two live sessions plus preparation, reading and case work between sessions. The sessions are recorded so you can replay them, but live attendance is strongly encouraged.

The teaching sessions are live, online, with a Lockhart Murphy adviser. They are also recorded so you can go back over material. There is no substitute for asking a question in a live session — that is the format we have chosen deliberately.

Absolutely. Much of what you learn here — client communication, financial document analysis, complex case research, pipeline management — can be applied across financial services. But this programme is specifically designed for aspiring mortgage and protection brokers. The case material, lender criteria navigation and regulatory context are all built around the UK mortgage market. If that is the career you are preparing for, that specificity is a feature, not a limitation.

You leave with your certificate, a clear picture of where you are strong and where you need to develop, a reference from Lockhart Murphy and an invitation to apply for roles at the firm if you want them. We are not promising you a job — but we are promising that if we are hiring, you will be in the conversation.

Yes, and we want you. Advisers who are already in role but want to sharpen specific areas — adverse credit, complex income, buy-to-let structuring — are a good fit for the programme.

The programme is delivered online so location is not a barrier to attending. However, the content is specific to UK mortgage regulation, lender criteria and FCA compliance. If you are based outside the UK and working toward a UK mortgage career, that is fine — just be clear about your situation in your application.

You will hear from us within five working days of submitting your application. We review every application personally. If we need more information we will be in touch. Accepted applicants receive a formal offer by email with payment and enrolment details.