The CeMAP 3 exam (Assessment of Mortgage Advice Knowledge) is a two-hour, computer-based test comprising six case studies with ten linked multiple-choice questions each (60 questions in total).
You must answer all questions within 120 minutes and achieve at least 70% (42/60) to pass.
The exam is delivered via Pearson VUE’s OnVUE platform, which provides an on-screen calculator and a digital whiteboard for scratch work.
This guide gives you two focused tips that mirror the actual exam conditions and help you use the available tools effectively.
What Is the CeMAP 3 Exam?
Structure & Timing
- Case studies: Six separate scenarios, each with ten multiple-choice questions (60 questions total).
- Duration: 120 minutes (2 hours), averaging 20 minutes per case study.
- Pass mark: 70% (42 correct answers).
On-Screen Tools
- Digital whiteboard: Access via the whiteboard icon; use it for text notes and free-hand sketches.
- Calculator: Click the calculator icon at the top-left; it remains available throughout the exam and cannot be accessed via the taskbar.
Tip 1 – Two-Pass Reading & Efficient Note-Taking
Combining a structured reading approach with quick, precise notes ensures you capture all mark-worthy details without wasting time.
1. First Pass (≈2 minutes)
Skim the scenario to grasp the context. Note the client’s main objective, property value, loan amount and term. This gives you the “big picture” before you focus on finer details.
2. Second Pass (≈3 minutes)
Open the OnVUE whiteboard and record only essential data:
- Key figures: Income, outgoings, loan-to-value (LTV) ratio, fees.
- Regulatory triggers: Affordability stress-test percentages, product restrictions.
- Client requirements: Special conditions (e.g. fixed vs variable rate).
3. Keep Notes Concise
Use shorthand (e.g. “MCOB 11 +3% stress-test”, “£45 k → 35 yr term”). Limit each case to a few bullet lines so you can glance back quickly.
4. Wipe Clean Between Cases
After you finish each case study, clear the whiteboard. This prevents mixing details between scenarios.
“A combined two-pass read and precise note-taking ensures you catch every detail that earns marks.”
Tip 2 – Revise Your Calculations Before and make use during the Exam
Calculation questions feature heavily in CeMAP 3 exams. Being fluent with key formulas and the on-screen calculator saves time and reduces errors.
1. Common Calculation Types
- Percentage advances: (Advance ÷ Property value) × 100
- Higher lending charges: Fee ÷ Loan amount × 100
- Stress-tested repayments: Apply a 2–3% uplift to the deal rate
2. Master Key Formulas
Practice mental and written methods for these calculations until you can complete them in under 30 seconds each.
3. Efficient Calculator Use
Access the Pearson VUE on-screen calculator via its toolbar button. You cannot switch to external calculators or taskbar tools. Familiarise yourself with its functions (standard and scientific modes) before exam day.
4. Timed Practice
Simulate full 120-minute tests with only the on-screen calculator and whiteboard. Time yourself on calculation-heavy questions to build speed.
5. Memorise Common Percentages
Know 80%, 85%, 90% LTV thresholds and typical arrangement fees (1–2%) by heart to avoid needless keystrokes.
“Thorough calculation practice removes surprises on exam day and boosts accuracy.”
Tip 3 – Exam Question Tactics: Eliminate, Flag, Review
Multiple choice format rewards strategy and disciplined review.
Process of Elimination
- Read all four options before selecting one.
- Cross out clearly wrong answers—mark them on the whiteboard or mentally—to improve odds if guessing.
Flagging & Time Management
- Flag questions: Use the flag icon to mark uncertain items; flagged questions appear in the review list (Reed Resources).
- Timing: Aim for 5 mins to read case study leaving 1.5 minutes per question.
- Review order: Finish all questions first, then tackle flagged ones with fresh focus.
- Remember: a unanswered question will not provide you a chance of a point. Although guessing is not recommended, it is better to have a answer selected then leave it blank.
“Flag tough questions, finish the paper, then revisit flagged items with renewed confidence.”
Frequently Asked Questions (FAQ)
Is a calculator allowed?
Yes. The on-screen Pearson VUE calculator is available throughout the exam via the calculator icon.
Can I take notes?
Yes. Use the built-in digital whiteboard for scratch work. No physical paper or pens are permitted.
How many scenarios and questions are there?
There are six case studies, each with ten multiple choice question (60 questions total) to be completed in 120 minutes.
What pass mark do I need?
You need 70% (42 correct answers) to pass Module 3.
How should I allocate my time?
Allow ≈5 minutes per case for two-pass reading and note-taking, then ≈15 minutes to answer all ten multiple choices and review flagged items.
🧾 Conclusion: CeMAP 3 Case Studies
To excel in CeMAP 3, combine a two-pass reading strategy with efficient note-taking on the digital whiteboard, and ensure your calculation skills are exam-ready using the on-screen calculator. This tailored approach mirrors the actual exam conditions and helps you manage the full 60-question paper within 120 minutes. Good luck with your preparation and exam!
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