In this episode, Maria the Money Muggle and I are diving into CeMAP 1 Topic 14: Understanding and Satisfying Customer Needs.

This is one of those topics that sounds straightforward until you realise there’s a whole lot more to it than just asking clients about their dream home. Understanding where they are financially, what they actually need, and how to guide them is everything when it comes to giving great mortgage advice (and ofcourse passing that exam)

Here’s what we’re covering:

✔️ The Financial Lifecycle – Why understanding this helps you see the bigger picture for your clients (and stops you from making wild assumptions).

✔️ The FactFind Process – What it is, why it’s crucial, and how to ask the right questions.

✔️ Income & Expenditure Chats – Why this conversation can get awkward and how to handle it like a pro.

✔️ Credit Scoring Basics – What lenders look at, why it matters, and a handy tool to check your own: CheckMyFile.

✔️ Hard vs. Soft Facts – What these are and why getting them mixed up could cause a mortgage meltdown.

✔️ FCA’s Risk & Capacity for Loss – Understanding what this means and how to communicate it clearly to clients.

Want to go beyond the podcast?

🎓 Join My Next Masterclass – Spaces are filling up fast, so if you want to feel confident about your CeMAP knowledge, now’s the time to book! Check availability here: https://www.futureinfinance.co.uk/book-online

💻 Try My E-Learning Platfo https://learning.futureinfinance.co.uk/courses/cemap1rm for FREE – Structured, bite-sized lessons designed to help you pass with ease.

📲 Need some extra support? Send me a WhatsApp – whether it’s a last-minute study panic or a quick mortgage question, I’ve got you!

☕ Grab a coffee, hit play, and let’s get stuck in!