FNS40821 Certificate IV in Finance and Mortgage Broking
Start your career in Finance Broking today!
Code AUTUMN10: 10% off online qualifications
Code AUTUMN20: 20% off virtual classes
*Offer valid until 11:59 PM AEST, 31 May 2026. This promotion can’t be combined with other discounts and does not apply to RPL consultation sessions.
Why choose this course?
The FNS40821 Certificate IV in Finance and Mortgage Broking gives you the practical knowledge and professional foundation to work across a range of roles in the finance and mortgage broking industry. It is the minimum qualification required for individuals seeking self-employment or salaried positions as finance or mortgage brokers within established firms, and is also highly regarded for roles in loans administration, para-broking, and related support positions. With a strong focus on real-world application, compliance, client service, and finance solutions, this course prepares you to meet the demands of a fast-growing industry with confidence and credibility. Whether you are new to the sector, building on existing banking or finance experience, or looking for a flexible career with genuine growth opportunities, this qualification is your first step toward a respected and future-focused profession.
Specialised pathway for Accountants & Financial Planners
The FNS40821 Certificate IV in Finance and Mortgage Broking – Accountants & Financial Planners pathway is tailored for qualified Accountants or Financial Planners with at least two years of experience in the financial services industry. For more information, CLICK HERE.
Course Information
Course Modules
Compliance, Regulations and Legislation
This module introduces the finance industry and the role of a Finance Broker. Learn about the various participants, sectors, and roles within the industry, including the legislation and regulations that impact the role of a licensed finance broker. Understand how to operate compliantly using available systems and supports.
Ethics
Acting ethically is crucial for building trust with clients and operating compliantly. Ethics extends beyond responsible lending; it involves understanding ethical biases, cognitive biases, and psychological barriers.
Customer Service
Build practical skills in the financial services industry – learn to review customer information, evaluate financial details, and make informed credit decisions while following responsible lending requirements. Gain confidence in communicating credit outcomes professionally, preparing accurate documentation, and applying industry standards.
Professional Relationships
Ongoing business relationships are vital for sustaining a successful broking business. Discover how to engage and build relationships with clients, industry participants, and third-party referrers.
Personal and Professional Development
Managing professional development activities, prioritising and planning daily tasks and goals are vital to ensuring continuous growth and efficiency in your professional life. Learn how to support a team with their work priorities and professional development.
Loan Application
Develop knowledge and understanding of different loan types and structures, including lender appetite and policy. This module covers the basics of commencing the loan application journey with clients and managing the loan submission to post-settlement.
Each module consists of a range of assessment types:
- Written Case Studies/Research
- Online Quizzes/Short Answers
- Skills Demonstrations*
*You will need a non-qualified adult participant to role play and record your skills demonstrations.
Units of Competency
- BSBPEF501 Manage personal and professional development
- FNSFMK515 Comply with financial services regulation and industry codes of practice
- FNSCMP501 Comply with financial services legislation
- FNSINC411 Conduct work according to professional practices in the financial services industry
- FNSINC514 Apply ethical frameworks and principles to make and act upon decisions
- FNSCRD401 Assess credit applications
- FNSCUS511 Develop and maintain professional relationships in financial services industry
- FNSCUS403 Deliver a professional service to customers
- FNSINC412 Apply and maintain knowledge of financial products and services
- FNSFMB411 Prepare loan applications on behalf of clients
- FNSFMB412 Identify client needs and present broking options
- FNSFMB511 Implement credit contracts in preparation for settlement
Course Duration
Enrolments are valid for a period of eight (8) months. Course extensions of up to three (3) months may be granted upon request, with an applicable extension fee. Please refer to our terms and conditions for more information.
While we provide eight (8) months to complete the course, individuals with an industry background or an understanding of the broking process may finish in a shorter time frame. This largely depends on personal capacity and available time. Those without an industry background but with more availability to study may also be able to complete the course within a shorter time frame.
Delivery Options
Online (remote self-paced)
Distance learning: Online self-paced learning is suitable for students who have the capacity and ability to study with minimal guidance. However, for those new to the industry or unfamiliar with the study material, we strongly recommend completing the course via virtual classroom.
Virtual class (blended learning)
Virtual class is the most appropriate option for individuals new to the industry. Attend a virtual class workshop from home or office, delivered via Zoom. Our highly experienced trainers guide participants through each module using ‘true to life’ client scenarios. Assessments are expected to be completed post-class, with our trainer covering the requirements during the sessions.
Virtual class schedules:
- 5 sessions delivered in 3 days (Usually scheduled over 2 weeks)
- 9:30 am – 4 pm Eastern Standard Time
- Zoom links accessible from the Learner Portal
Unique Student Identifier (USI)
A USI is your individual education number for life. You’ll need a USI if you are undertaking nationally recognised training. Without one, you won’t be able to receive your statement of attainment, qualification, or award. It also gives you an online record of your vocational education and training (VET) undertaken in Australia. If you have never obtained your USI you can apply for it directly at https://www.usi.gov.au/students/get-a-usi
We can assist you to create or locate your USI if required.
If you are an international student studying or completing in Australia, you will require a USI. Please contact us before applying to ensure your visa is eligible to study with us.
If you are an international student studying and completing outside of Australia, you do not require a USI.
If you are enrolling in nationally recognised training with AAMC Training Group, you will need to provide a valid USI. We can assist you to create or locate your USI if required, and certification cannot be issued until a verified USI has been recorded.
Recognition of Prior Learning and Credit Transfer
Recognition of Prior Learning
If you have industry experience or have completed prior training, you may be eligible for Recognition of Prior Learning (RPL). Refer to the RPL information page for eligibility information.
When applying for RPL enrolment, you will be required to provide this completed pre-eligibility form for review.
Credit Transfer
Credit transfers can be applied to units of competency previously completed with AAMC Training or another Registered Training Organisation (RTO). If you have been awarded a record of results or a statement of attainment for any of the units detailed in this course, you can request a Credit Transfer for those units. You must provide a certified copy of your record of results or statement of attainment if completed with an RTO other than AAMC Training. Your credit transfer request will then be reviewed, and you will be notified of the outcome by email.
CPD Hours and Post Nominal
Online/Virtual: 18 CPD hours
RPL: 10 CPD hours
Post-Nominal – Cert.IV FMB
Payment Options
Payment can be made with credit card during the enrolment process or via the online learner portal, once the enrolment is complete. Alternatively, payments are accepted via bank transfer, the invoice number must be entered as the reference. Access to material and assessments will be granted once funds have cleared in our account.
Pathways
The FNS40821 Certificate IV in Finance and Mortgage Broking includes units that may be credited towards your enrolment into the FNS50322 Diploma of Finance and Mortgage Broking Management Upgrade Course. Please refer to our credit transfer process to find out more about this.
Some industry bodies, aggregators and lenders recognise the FNS50322 Diploma of Finance and Mortgage Broking Management as the minimum qualification required to maintain membership, be part of their license, or be accredited to offer their products.
To learn more about our FNS50322 Diploma of Finance and Mortgage Broking Management Upgrade, click here.
Student Support
Student support is available via the learner portal, email, and telephone.
Our Student Support and Resources page has information available including:
- Academic & technical support
- Assessment support sessions & virtual classes
- Learning‑difficulty assistance
- Wellbeing and counselling resources
- Equity and accessibility measures
- Inclusive and culturally sensitive support
- Financial transparency
- Reasonable adjustments
Students Under 18 Years
AAMC Training Group accepts applications for enrolments from students aged 16 or 17 in select circumstances. As we do not deliver VET in Schools programs, all applicants under 18 must meet additional requirements under the ASQA 2025 Standards for RTOs.
Before applying, please contact us to discuss eligibility and required documentation.
To be considered for enrolment, students must:
- Be resident of Victoria, New South Wales, or Queensland
- Be 16 or 17 years of age at the time of enrolment
- Be able to provide verified parental or guardian consent
- Have access to a suitable learning environment and have suitable support arrangements in place
- Meet all standard enrolment requirements for their chosen course.
Visa Eligibility
AAMC Training Group is not a CRICOS-registered provider. We cannot enrol students studying in Australia on a Student visa. If you hold another visa type, you may be eligible to study with us if your visa conditions allow study and you meet our enrolment requirements.
Contact Us
- 03 9391 3643
- Int +61 39391 3643
- Suite 102, 139 Cardigan Street, Carlton VIC 3053
FNS40821 Certificate IV in Finance and Mortgage Broking
Use AUTUMN10 code for 10% off online qualifications
Use AUTUMN20 code for 20% off virtual classes
*Offer valid until 11:59 PM AEST, 31 May 2026. This promotion can’t be combined
with other discounts and does not apply to RPL consultation sessions.
If you are a visa holder or under 18 please contact us prior to applying for enrolment.
Please continue to the Recognition of Prior Learning page
to check your eligibility for RPL and apply.
Frequently Asked Questions
Do I need to complete a Certificate IV AND a Diploma?
No, you do not have to complete both a Certificate IV and a Diploma of Finance and Mortgage Broking. The Certificate IV (FNS40821) is typically the entry-level qualification required to start working in the finance and mortgage broking industry.
Can I upgrade to a Diploma after completing this course?
Yes, there are pathways to upgrade to a FNS50322 Diploma of Finance and Mortgage Broking Management after completing the Certificate IV.
Is the Diploma more highly recognised than a Certificate IV?
Yes, the FNS50322 Diploma of Finance and Mortgage Broking Management is generally more highly recognised than the FNS40821 Certificate IV in Finance and Mortgage Broking. The Diploma may also be the minimum standard for many lenders, aggregators and industry associations.
Do I have to hold a Certificate IV to become a finance or mortgage broker?
A Certificate IV is the minimum requirement for those seeking a career in mortgage broking. If you are looking to become a finance broker specialising in non-consumer loans, you may not be required to complete a Certificate IV but it is a highly regarded qualification.
Do I need a Certificate IV if I am working for a finance or mortgage broker?
This would depend on your role of responsibilities. A certificate IV is highly regarded for anyone seeking to provide support services to mortgage and/or finance brokers and their clients, but may not be a mandatory requirement.
Is this course nationally recognised?
AAMC Training Group is a wholly Australian owned Registered Training Organisation (RTO number 51428), operating nationally and internationally.
Is this course accepted by industry associations?
All of our qualification courses are both nationally recognised by the FBAA and MFAA.
What are CPD hours?
Continual Professional Development (CPD) provides each individual with a framework within which they must take responsibility for their own learning. A number of associations have CPD programs in place and the CPD has become a legal requirement in many sectors of the finance industry. Hours are awarded for each activity and these hours are set by the relevant associations or the regulatory bodies pertaining to the relevant profession.
Our Partners
AAMC Training Group is proud to be associated with the following organisations:
