Question 12
Which of the following is a lifetime mortgage feature?
- AInterest can be rolled up
- BThe loan must be repaid monthly
- CThe term is always 25 years
Papers
43 timed Archway Learn sittings covering FRE1, FRE2, MRT1, MRT2, ASEW, FOER, EQRS, AMA, IF1, R05, IF9, LTCP. Original multiple-choice papers with a 70% pass mark. Independent practice — not official papers from LIBF or the CII.
Answers stay on this device for guests. Sign in and we save the sitting to your account.
Topic sections of different lengths, a timer, and a pass mark — the shape of the real exam.
FRE1 A, B, and C sit together. Then FRE2, MRT1, and MRT2 — not a wall of shop cards.
Linked questions on one screen, as in ASEW and equity-release papers.
Grouped by qualification, then unit. Buy one paper, the unit pack, or every paper for the qualification.
CeMAP
All CeMAP papers and quizzes — every CeMAP paper and topic quiz in one purchase. What’s included£45 if you buy the packs one by one
Buy · £353 sittings
Every FRE1 paper and topic quiz is in the CeMAP FSRE pack. What’s included
Buy · £15Full-length FRE1 practice paper (40 marks): 25 standalone MCQs plus three case studies of five linked questions each. Covers UK financial markets and asset classes, government and international context, the wider economy, consumer needs and firm obligations, legal concepts including wills and trusts, and the development and structure of UK regulation including the FCA, PRA and Handbook. Timed at 60 minutes with a 70% pass mark.
40 questions · 60 minutes · pass 70%
Free to sit
Sit this paperFull-length FRE1 practice paper (40 marks): 25 standalone MCQs plus three case studies of five linked questions each. Covers asset classes and market structure, government and international context, the wider economy, consumer needs and firm obligations, legal concepts including wills and trusts, and the development and structure of UK regulation including the FCA, PRA and Handbook. Timed at 60 minutes with a 70% pass mark.
40 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperFull-length FRE1 practice paper (40 marks): 25 standalone MCQs plus three case studies of five linked questions each. Covers UK financial markets and asset classes, government and international context, the wider economy, consumer needs and firm obligations, legal concepts including wills and trusts, and the development and structure of UK regulation including the FCA, PRA and Handbook. Timed at 60 minutes with a 70% pass mark.
40 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paper3 sittings
Every FRE2 paper and topic quiz is in the CeMAP FSRE pack. What’s included
Buy · £15Full-length FRE2 practice paper (40 marks): 25 standalone MCQs plus three case studies of five linked questions each. Covers advice skills (communication through recommendations), regulatory principles and fair outcomes (including Consumer Duty, MAR, AML, data protection, complaints, FOS and FSCS), the advice framework (client types, charging, cancellation, vulnerability and advice standards), and ethical behaviour (codes, applied ethics, whistleblowing and CPD). Timed at 60 minutes with a 70% pass mark.
40 questions · 60 minutes · pass 70%
Free to sit
Sit this paperFull-length FRE2 practice paper (40 marks): 25 standalone MCQs plus three case studies of five linked questions each. Covers advice skills (communication through insistent clients), regulatory principles and fair outcomes (including complaints, FOS, TCF/conduct risk, vulnerability and advice standards), the advice framework (responsibilities, limitations, monitoring and due diligence), ethical behaviour (theories, codes, applied ethics, whistleblowing and CPD), and case themes on AML/data protection/FSCS/Consumer Duty, adviser charging/fiduciary/cancellation/disclosure, and MAR/culture/business ethics. Timed at 60 minutes with a 70% pass mark.
40 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperFull-length FRE2 practice paper (40 marks): 25 standalone MCQs plus three case studies of five linked questions each. Covers regulatory principles and the advice framework (including MAR, AML, data protection, FSCS, charging, cancellation, vulnerability, monitoring and due diligence), ethical behaviour (theories, applied ethics, whistleblowing), and case themes on the advice-process chain (communication through recommendations), complaint-to-FOS journey with unfair contract terms and Consumer Duty/TCF, and CPD with professional ethics codes. Timed at 60 minutes with a 70% pass mark.
40 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paper3 sittings
Every MRT1 paper and topic quiz is in the CeMAP MORT pack. What’s included
Buy · £15Full-length MRT1 practice paper (50 marks): 50 standalone MCQs covering mortgage law, practice and application — regulatory and legal definitions, auction purchase, borrower types, MCOB lender and adviser roles, economic and regulatory context, advice principles for fair outcomes, additional security, fees and charges, property defects, valuation factors, and forms of survey. Timed at 60 minutes with a 70% pass mark.
50 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperFull-length MRT1 practice paper (50 marks): 50 standalone MCQs covering mortgage law, practice and application — regulatory and legal definitions, auction purchase, borrower types, MCOB lender and adviser roles, economic and regulatory context (property market, rates, lending sector, BTL/CBTL and MCOB), advice principles for fair outcomes, additional security, fees and charges, property defects, valuation factors and survey types. Timed at 60 minutes with a 70% pass mark.
50 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperFull-length MRT1 practice paper (50 marks): 50 standalone MCQs covering mortgage law, practice and application — regulatory definitions, auction purchase, borrower types, MCOB lender/adviser roles, economic and regulatory context including BTL/CBTL, advice principles for fair outcomes, additional security, fees, property defects, valuation factors and survey types. Weighted towards defects, valuation and surveys (LO9–LO11). Timed at 60 minutes with a 70% pass mark.
50 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paper3 sittings
Every MRT2 paper and topic quiz is in the CeMAP MORT pack. What’s included
Buy · £15Full-length MRT2 practice paper: 40 standalone MCQs on mortgage products and post-completion themes — raising additional funds, transfers and amendments, debt consolidation, arrears and non-payment, lender remedies, repayment methods, rate options, product types, government incentives, shared ownership and Islamic home finance. Timed at 60 minutes with a 70% pass mark. Independent Archway Learn practice — not a real exam paper.
40 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperFull-length MRT2 practice paper (Paper B): 40 standalone MCQs (40 marks) on mortgage products and post-completion — raising additional funds, transfers and amendments, debt consolidation, arrears and non-payment, lender remedies, repayment methods, rate options, product types, government incentives, shared ownership and Islamic home finance. Timed at 60 minutes with a 70% pass mark. Independent Archway Learn practice — not a real exam paper.
40 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperForty standalone multiple-choice questions for CeMAP MRT2 (Mortgage Products and Post Completion): raising additional funds, transfers and amendments, debt consolidation, arrears and non-payment, lender remedies, repayment methods, rate options, product types, government incentives, shared ownership and Islamic home finance. Timed at 60 minutes with a 70% pass mark. Independent Archway Learn practice — not a real exam paper.
40 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paper4 sittings
Every ASEW paper and topic quiz is in the CeMAP ASEW pack. What’s included
Buy · £15Six original ASEW case studies with ten linked MCQs each (60 marks). Synoptic mortgage advice across residential solutions, specialist lending, MCOB/ICOBS/CCA conduct, ethical and sustainable recommendations, mortgage protection, and the England/Wales house-buying process. Timed at 120 minutes with a 70% pass mark.
60 questions · 120 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperSix original ASEW case studies with ten linked MCQs each (60 marks). Synoptic mortgage advice across residential chain purchases, divorce remortgage, HMO/portfolio BTL, shared ownership staircasing, auction bridging and second charge, later-life RIO and vulnerable-customer conduct, plus England/Wales house-buying process. Timed at 120 minutes with a 70% pass mark.
60 questions · 120 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperSix original ASEW case studies with ten linked MCQs each (60 marks). Synoptic mortgage advice across residential solutions, specialist lending, MCOB/ICOBS/CCA conduct, ethical and sustainable recommendations, mortgage protection, and the England/Wales house-buying process. Timed at 120 minutes with a 70% pass mark.
60 questions · 120 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperSix original ASEW case studies with ten linked MCQs each (60 marks). Synoptic mortgage advice across residential solutions, specialist lending, MCOB/ICOBS/CCA conduct, ethical and sustainable recommendations, mortgage protection, and the England/Wales house-buying process. Timed at 120 minutes with a 70% pass mark.
60 questions · 120 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperCeRER
All CeRER papers and quizzes — every CeRER paper and topic quiz in one purchase. What’s included£30 if you buy the packs one by one
Buy · £244 sittings
Every FOER paper and topic quiz is in the CeRER FOER pack. What’s included
Buy · £1550 standalone MCQs covering Fundamentals of Equity Release (FOER): equity release principles, lifetime mortgages, home reversion plans, suitability, future options, benefits and tax. Timed at 60 minutes with a 70% pass mark (35/50).
50 questions · 60 minutes · pass 70%
Free to sit
Sit this paper50 standalone MCQs covering Fundamentals of Equity Release (FOER): client needs and suitability, lifetime mortgages, home reversion plans, ownership, benefits and tax. Timed at 60 minutes with a 70% pass mark (35/50).
50 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paper50 standalone MCQs covering Fundamentals of Equity Release (FOER): equity release principles, lifetime mortgages, home reversion plans, suitability, future options, benefits and tax. Timed at 60 minutes with a 70% pass mark (35/50).
50 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paper50 standalone MCQs covering Fundamentals of Equity Release (FOER): equity release principles, lifetime mortgages, home reversion plans, suitability, future options, benefits and tax. Timed at 60 minutes with a 70% pass mark (35/50).
50 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paper4 sittings
Every EQRS paper and topic quiz is in the CeRER EQRS pack. What’s included
Buy · £15Three original EQRS case studies with ten linked MCQs each (30 marks). Synoptic equity-release solutions advice across ethical advice, alternatives, lifetime mortgages and home reversion. Timed at 60 minutes with a 70% pass mark (21/30).
30 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperThree original EQRS case studies with ten linked MCQs each (30 marks). Synoptic equity-release solutions advice across remarriage and capacity, joint last-survivor lifetime mortgages, and means-tested benefits with partial home reversion. Timed at 60 minutes with a 70% pass mark (21/30).
30 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperThree original EQRS case studies with ten linked MCQs each (30 marks). Synoptic equity-release solutions advice across ethical advice, alternatives, lifetime mortgages and home reversion. Timed at 60 minutes with a 70% pass mark (21/30).
30 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperThree original EQRS case studies with ten linked MCQs each (30 marks). Synoptic equity-release solutions advice across ethical advice, alternatives, lifetime mortgages and home reversion. Timed at 60 minutes with a 70% pass mark (21/30).
30 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperCeMAP Dip
All CeMAP Diploma practice — every CeMAP Dip paper and topic quiz in one purchase. What’s included£94 if you buy the packs one by one
Buy · £794 sittings
Every AMA paper and topic quiz is in the CeMAP Diploma AMA pack. What’s included
Buy · £2550 standalone MCQs covering Advanced Mortgage Advice (AMA) Part A: house purchase, economics/regulation, property & surveys, borrowers, legislation, MCOB/MCD, security, fees, self-build, second properties, conforming/non-conforming lending, protection, further funds, and arrears. Timed at 90 minutes with a 70% pass mark (35/50).
50 questions · 90 minutes · pass 70%
Free to sit
Sit this paper50 standalone MCQs covering Advanced Mortgage Advice (AMA) Part A: house purchase, economics/regulation, property & surveys, borrowers, legislation, MCOB/MCD, security, fees, self-build, second properties, conforming/non-conforming lending, protection, further funds, and arrears. Timed at 90 minutes with a 70% pass mark (35/50).
50 questions · 90 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperThird practice paper (Paper C): 50 standalone MCQs covering Advanced Mortgage Advice (AMA) Part A — house purchase, economics/regulation, property & surveys, borrowers, legislation, MCOB/MCD, security, fees, self-build, second properties, conforming/non-conforming lending, protection, further funds, and arrears. Timed at 90 minutes with a 70% pass mark (35/50).
50 questions · 90 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paper50 standalone MCQs covering Advanced Mortgage Advice (AMA) Part A: house purchase, economics/regulation, property & surveys, borrowers, legislation, MCOB/MCD, security, fees, self-build, second properties, conforming/non-conforming lending, protection, further funds, and arrears. Timed at 90 minutes with a 70% pass mark (35/50).
50 questions · 90 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperProtection
All Protection papers and quizzes — every Protection paper and topic quiz in one purchase. What’s included£45 if you buy the packs one by one
Buy · £294 sittings
Every IF1 paper and topic quiz is in the CII IF1 pack. What’s included
Buy · £15100 standalone MCQs covering Insurance, Legal and Regulatory (IF1): risk, insurance features, market structure, contract and agency, insurance principles, regulation, consumer protection, complaints/FOS/FSCS, and CII ethics. Timed at 120 minutes with a 70% pass mark (70/100).
100 questions · 120 minutes · pass 70%
Free to sit
Sit this paperSecond practice paper: 100 standalone MCQs covering Insurance, Legal and Regulatory (IF1) — risk, insurance features, market structure, contract and agency, insurance principles, regulation, consumer protection, complaints/FOS/FSCS, and CII ethics. Timed at 120 minutes with a 70% pass mark (70/100).
100 questions · 120 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperThird practice paper: 100 standalone MCQs covering Insurance, Legal and Regulatory (IF1) — risk, insurance features, market structure, contract and agency, insurance principles, regulation, consumer protection, complaints/FOS/FSCS, and CII ethics. Timed at 120 minutes with a 70% pass mark (70/100).
100 questions · 120 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperFourth practice paper: 100 standalone MCQs covering Insurance, Legal and Regulatory (IF1) — risk, insurance features, market structure, contract and agency, insurance principles, regulation, consumer protection, complaints/FOS/FSCS, and CII ethics. Timed at 120 minutes with a 70% pass mark (70/100).
100 questions · 120 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paper4 sittings
Every R05 paper and topic quiz is in the CII R05 pack. What’s included
Buy · £1550 standalone MCQs covering Financial Protection (R05): consumer factors, protection needs, State benefits, life/pension protection, IP, CI, LTC, other protection policies, and needs-based advice. Timed at 60 minutes with a 70% pass mark (35/50).
50 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paper50 standalone MCQs covering Financial Protection (R05): consumer factors, protection needs, State benefits, life/pension protection, IP, CI, LTC, other protection policies, and needs-based advice. Timed at 60 minutes with a 70% pass mark (35/50).
50 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paper50 standalone MCQs covering Financial Protection (R05): consumer factors, protection needs, State benefits, life/pension protection, IP, CI, LTC, other protection policies, and needs-based advice. Timed at 60 minutes with a 70% pass mark (35/50).
50 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paper50 standalone MCQs covering Financial Protection (R05): consumer factors, protection needs, State benefits, life/pension protection, IP, CI, LTC, other protection policies, and needs-based advice. Timed at 60 minutes with a 70% pass mark (35/50).
50 questions · 60 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paper4 sittings
Every IF9 paper and topic quiz is in the CII IF9 pack. What’s included
Buy · £1550 MCQs on 10 original UK insurance customer-service case studies covering IF9 (Customer Service in Insurance): fulfilling requirements, feedback, communication, conflict, records, workload, teamwork, sales process and activities, and regulation. Timed at 90 minutes with a 70% pass mark (35/50). Archway Learn original example — not an official CII past paper.
50 questions · 90 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paper50 MCQs on 10 original UK insurance customer-service case studies covering IF9 (Customer Service in Insurance): fulfilling requirements, feedback, communication, conflict, records, workload, teamwork, sales process and activities, and regulation. Second practice paper (Paper B). Timed at 90 minutes with a 70% pass mark (35/50). Archway Learn original example — not an official CII past paper.
50 questions · 90 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paper50 MCQs on 10 original UK insurance customer-service case studies covering IF9 (Customer Service in Insurance): fulfilling requirements, feedback, communication, conflict, records, workload, teamwork, sales process and activities, and regulation. Timed at 90 minutes with a 70% pass mark (35/50). Archway Learn original example — not an official CII past paper.
50 questions · 90 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paper50 MCQs on 10 original UK insurance customer-service case studies covering IF9 (Customer Service in Insurance): fulfilling requirements, feedback, communication, conflict, records, workload, teamwork, sales process and activities, and regulation. Timed at 90 minutes with a 70% pass mark (35/50). Archway Learn original example — not an official CII past paper.
50 questions · 90 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperCertLTCP
3 sittings
Every LTCP paper and topic quiz is in the CertLTCP pack. What’s included
Buy · £19Full-length CertLTCP / LTCP practice paper (75 marks): 60 standalone MCQs plus three case studies of five linked questions each. Covers UK long term care background and costs, NHS and local-authority responsibilities, financial assessment and benefits, adviser–client relationship, tax and legal issues, funding arrangements, claim eligibility, review triggers, and suitable recommendations. Timed at 2 hours with a 70% pass mark. Independent Archway Learn materials — not a real LIBF exam paper.
75 questions · 120 minutes · pass 70%
Free to sit
Sit this paperFull-length CertLTCP / LTCP practice paper (75 marks): 60 standalone MCQs plus three case studies of five linked questions each. Covers UK long term care background and costs, NHS and local-authority responsibilities, financial assessment and benefits, adviser–client relationship, tax and legal issues, funding arrangements, claim eligibility, review triggers, and suitable recommendations. Timed at 2 hours with a 70% pass mark. Independent Archway Learn materials — not a real LIBF exam paper.
75 questions · 120 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperFull-length CertLTCP / LTCP practice paper (75 marks): 60 standalone MCQs plus three case studies of five linked questions each. Covers UK long term care background and costs, NHS and local-authority responsibilities, financial assessment and benefits, adviser–client relationship, tax and legal issues, funding arrangements, claim eligibility, review triggers, and suitable recommendations. Timed at 2 hours with a 70% pass mark. Independent Archway Learn materials — not a real LIBF exam paper.
75 questions · 120 minutes · pass 70%
£9 on its own, or in the unit pack
Sit this paperShort answers for how Archway Learn practice papers work.
No. These are independent Archway Learn practice papers. They are not official LIBF or CII exams, specimen papers, or past papers.
Most CeMAP papers are timed at 60 minutes. FRE1 and FRE2 papers are 40 questions; MRT1 papers are 50 questions; MRT2 papers are 40 questions. Diploma, protection, and CertLTCP sittings use the timing shown on the card. The pass mark is 70%.
FRE1, FRE2, MRT1, and MRT2 each have three sittings labelled Paper A, B, and C. ASEW has four sittings labelled Paper A, B, C, and D. AMA Part A has four papers (A, B, C, and D). IF1 has four papers (A, B, C, and D), IF9 has four papers (A, B, C, and D), R05 has four (Papers A, B, C, and D), and CertLTCP has Papers A, B, and C. Each card is a sitting, not a shop pack.
There are currently 43 papers covering CeMAP, CeRER, CeMAP Diploma, Certificate in Protection, Certificate in Long Term Care and Later Life Planning units FRE1, FRE2, MRT1, MRT2, ASEW, FOER, EQRS, AMA, IF1, R05, IF9, and LTCP. Sign in to pause and resume; guests keep answers on this device until they submit.
You can sit an individual paper from this page. Packs on the catalogue bundle that unit’s papers and topic quizzes if you want the set together.
A unit pack has every paper and topic quiz for that unit. See every price in one place.