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Alpha Training and Development are committed to providing your small to medium enterprise with the knowledge and know-how to create a successful business, along with a fanatical online following. We currently provide the following courses:

Financial courses
Social media courses
Personal and development courses
Cert IV financial services mortgage broking

About Cert IV Financial Services in Mortgage Broking

This nationally recognised and comprehensive course is recognised by the Mortgage and Finance Association of Australia (MFAA) as suitable for the professional development of mortgage originators. Successful completion of this course along with successful completion of the MFAA's Initial Compliance Pack will fulfil the education requirements for Accredited Mortgage Consultant status with the MFAA.
ATAD provide an intimate 2-4 day workshop designed to maximise individual attention, as well as distant learning (mailed) or online learning. The certificate is a fantastic balance of theory, case studies and practical skills, and has been developed so you are able to immediately apply your skills to a competitive marketplace. We believe this course is perfect for those with an interest in the mortgage broking industry that want to achieve a formal qualification and empower themselves with the information necessary to go out into the workforce.

Cert IV Financial Services in Mortgage Broking Course Modules

This comprehensive course covers a broad array of information, including:

  1. Introduction to the Australian Mortgage Industry: History of the Industry; Licensing and Accreditation; Mortgage Broker Requirements; Finance and Real Estate Terminology; Industry Bodies and Related Organisations.
  2. Legislation and Regulatory Framework: National Consumer Credit Protection Act (NCCP); Competition and Consumer Act (ex Trade Practices Act); Code of Banking Practice; Privacy Act; Commission Disclosure; Comparison Rates; Code of Conduct (WA only); Financial Services Reform Act (FSRA); Financial Transactions Report Act; Occupational Health and Safety (OH&S).
  3. Lending Institutions and Loan Types: Banks; Credit Unions; Building Societies; Securitised Lenders; Non-Conforming Lenders; Owner Occupied Mortgage; Residential Investment Mortgage; Bridging Finance; Residential Business Loans; Personal Loans; Commercial Lending; Deposit Bonds; Lender Peripherals.
  4. Loan Fundamentals: What Influences Interest Rates; Core Lending Products; Loan Features and Packages; Risk Management through Insurance; Negative Gearing.
  5. Lending Fundamentals and Ethics: The Initial Assessment; The Eight C’s of Credit; Employment/Income Considerations; Qualifying Rates; Debt Servicing Ratio (DSR); Net Servicing Ratio (NSR); Loan to Value Ratio (LVR); Lender’s Mortgage Insurance (LMI); Loan Serviceability Calculators; Statement of Position; Risks and Mitigates; Credit Reports; Non-Resident Lending; Ethical Considerations.
  6. The Loan Process – From Interview to Settlement: Client Needs Analysis; The Application; Submission and Approval; Settlement; Roles of Each Party; Residential Mortgage Process Diagram; Record Keeping; Filing Systems; Finance Software; Commission Payments.
  7. Calculation of Fees; Use of Grants and Concessions: Stamp Duty and Other Duties; Miscellaneous Fees; State-Specific Grants and Concessions.
  8. Understanding Financials and Corporate Entities: Balance Sheet; Profit and Loss Statement; Corporate Entities; Self-Employed Client and Case Study.
  9. Productivity and Marketing Skills: Now You Are a Mortgage Broker; Time Management Strategies; Goal Setting Techniques; Effective Communication; Prospecting for Mortgage Business; Prospect Enquiry Strategies; Interviewing Techniques; Client Retention Program.

Course Timeframe

Trainees have six months in which to complete their course but can be completed as quickly or as slowly as they prefer.

Those with some experience will complete more quickly than those without.
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Flexible Learning Options

This course can be complete by you in 3 separate ways:
  1. 3 day face-to-face workshops at appointed venues
  2. Distance education fully supported by email, phone and facsimile
  3. Online E-Learning where you can study online at your own pace. Fully supported by online forum, phone and email
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Call Alpha Training and Development Adelaide today and enhance your business profile or industry knowledge through our selection of highly regarded courses 1300 541 777
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