CII CF6 Exam: Mortgage Advice
The CII’s CF6 exam is one of the two exams required to achieve the Certificate in Mortgage Advice. It is a 3-hour paper with 100 multiple choice questions plus 5 case studies each consisting of 5 questions. The nominal pass mark is 70%.
The exam syllabus covers the house buying process from offer through to completion plus details of all the parties involved; the types of borrower and their varying needs; the types of mortgage product available; repayment options and suitability for each client; as well as the legislative and regulatory position of mortgages and the requirements of a mortgage adviser.
Our learning resources
This is for you if…
You require both resources and wish to save money. Make use of our CF6 study kit, reducing the cost of your CII exam study with an automatic discount of 10%.
This is for you if …
You want essential CF6 mock exam questions practice in an online setting. Our CF6 E-Mocks allow you to log on and take short quizzes of 10, 30, or 125 questions, or practise with a fully timed mock exam. You can access five different full mock exams, each with a unique set of case studies that remain the same each time you retry that exam.
This is for you if…
You want essential CF6 mock exam questions practice but you like to print out and sit mock papers with pen and paper. You will receive 3 full sets of 125 questions and answers, including 5 case studies, in PDF format for you to print yourself, plus cross-references to the CII CF6 study text. Note: these questions are included in our CF6 Online E-Mocks
This is for you if…
You need help with the calculations aspect of your CII CF6 exam. This CF6 calculation workbook helps you decipher and extract the necessary information from a calculation question and provides calculation questions with full step-by-step answers, detailed explanations, and cross-references to the CII CF6 study text.
CII CF6 Qualification FAQs
Passing the CF6 exam takes a mix of structured study, consistent practice, and confidence with calculations. Start by working through the study text thoroughly, then test your understanding with past paper-style questions. Many find that using calculation workbooks and mock papers helps bridge the gap between theory and application. Spacing your study time over several weeks – and focusing on areas you find most challenging – is often the most effective approach.
CF6 and CeMAP both lead to a mortgage advice qualification, but they come from different awarding bodies and follow different structures. CF6 is part of the CII’s Certificate in Mortgage Advice, while CeMAP is offered by the London Institute of Banking & Finance. Both are widely recognised by employers, though some advisers prefer one route over the other depending on their background or future qualifications plans.
The pass rate for CF6 can vary slightly from year to year, but it generally sits around 60–70%. While not the easiest of the CII’s certificate-level exams, candidates who put in the recommended study time and use practice materials often perform well. It’s especially important to build confidence with the calculation questions, as these can be heavily weighted in the exam.
The CF6 exam tests your understanding of the full mortgage advice process. Questions often cover the house-buying journey, borrower types, mortgage products and repayment options, underwriting, and the legal and regulatory frameworks in both England and Scotland. You can get a clearer idea by reviewing our mock exam papers, which replicate the format and difficulty level of the actual exam.
Yes – while the syllabus is broad, there are certain areas worth paying close attention to. Be sure you understand the differences between English and Scottish property law, how lenders assess affordability, and the various types of mortgage products. Many learners also struggle with the regulation and protection sections, so it’s worth giving these topics extra time during your revision.
- "I have just passed my exam first time, once again, relying mainly on your study notes. The calculation workbook was very useful, helping me to understand and work through the calculations, as were the mock exams giving me practice for the exam itself. Thank you!"
Paul JacksonPartner, Professional Practice Services, Worcestershire - I was told about Brand Financial Training by a colleague at work and thought it sounded too good to be true but gave it a go anyway and I'm so glad that I did! The website is really helpful to find out more information about different qualifications, pass rates and discovered that by taking one extra exam it would give me a certificate in mortgage advice which is vital for my current role. The service from Brand has been top quality from start to finish and both their products and service are second to none.Nathan FarrellTeam Manager, London & Country, Bath
- “The hard work needed to get through exams is paying off. Many more advisers have been inspired to learn and work hard. My old boss told me once – we don’t sell widgets – we sell knowledge, trust and confidence. Knowledge is a key component - the trust equation is a whole different subject, but many more advisers have been on a learning journey that is sure to continue - and the stats prove it. Well done to everyone at Brand for supporting them on that journey."John ReynoldsExpert Pensions, Edinburgh
- "I've used your resources for 3 exams so far and have always passed first time. I find these questions help to highlight those areas in which I am weak and which may need further study. I also find that questions in the exam are phrased in a way that I would not normally use, and that reading mock questions helps me to be aware of and alert to these. Your mock papers were invaluable in helping me to prepare for my exams."John BisattAdviser, Palmer Lane, Cardiff
- "Brand Financial Training's great material was easy to use and really helped me get through some areas to get the Diploma. I'll use them next time for future exams."Giovanni ManigliaWealth Management Adviser, Lloyds TSB, Bristol
- "I have always used Brand Financial Training for the papers and practice for the exams, and I would also say that probably due to Brand Financial I have passed every exam first time and also managed to achieve the Fellowship in good time (about 30 months from starting the diploma to finishing). I have recommended you to all who wish to sit the exams in the future."Brian HemmingsChartered Financial Planner, GMB Portfolio Services Ltd, Edinburgh
Paul Jackson
