FNS40821 Certificate IV in Finance and Mortgage Broking
Accountants & Financial Planners Pathway
A tailored solution for Accountants and Financial Planners seeking to diversify into or change career to become a Finance and/or Mortgage Broker, or work more closely with their broker partners.
We consider relevant professional skills and knowledge against the qualification units of competence. The course provides a mix of both assessment-based learning and the provision of supporting evidence.
Use Code: AUTUMN10 for a 10% discount
*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.
Eligibility Requirements
To be eligible for enrolment into this pathway, the following criteria must be met;
- Minimum two years of experience as a qualified Accountant; or
- Minimum two years of experience as a qualified Financial Planner and hold an authorised representative or licensee status; and
- Been in a client-facing role within the last 12 months and have adequately demonstrated vocational experience that meets this level of qualification.
Additionally, the following must be satisfied:
- Provide a current CPD statement or record showing the last 12 months CPD points/hours.
- Present a qualified third party who can attest to your vocational experience across components of the course. These components will pertain to your financial services industry knowledge, compliance and regulation, and maintaining client relationships.
- Provide at least two third party professional referrers (ie; Bank Manager/Finance Broker), that can confirm they have built a working relationship with you.
Download the Financial Services Qualifications & Experience – Acc&FPL Pre-Qual and return to [email protected] to check your eligibility prior to applying for enrolment.
*Do not provide any testimonials or evidence for the above when checking your eligibility, suitable template documents will be provided as part of your post enrolment information gathering.
Note: If you enrol into the incorrect course, an administration fee may be charged to transfer your enrolment. If you are unsure whether you meet the requirements of this course, please contact our team.
Course Information
Once you have met the eligibility requirements detailed above and completed the enrolment process, you will have access to the learning material and assessments. These assessments comprise of:
- Evidence of your prior experience
- Third party testimonials/referees
- Written assessments – case studies, short answers, quizzes, etc
- Skills demonstrations – you will need a non-qualified adult participant to role play and record your skills demonstrations
- An assessor interview – conducted by an AAMC Training Assessor
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.
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
Enrolment is valid for seven (7) months. Extensions of up to three (3) months may be granted upon request, an extension fee will apply.
Although we provide seven (7) months to complete this course, we expect that collection of supporting evidence and completion of gap assessments should take less time. This will largely depend on time available and capacity.
Delivery Options
Online (remote self-paced)
Distance learning: online self-paced learning is for students who have the capacity and ability to study with minimal guidance. If you are new to industry and/or study, we strongly suggest completing your course via virtual classroom.
Virtual Class
Available for groups of six or more. Please contact one of our team to discuss the options.
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.
Credit Transfer
Credit Transfer
You may be able to claim credit transfer for a unit/s of competency that you have previously completed with AAMC Training or another RTO. If you have been awarded a record of results or statement of attainment for any of the units detailed in your 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. Your credit transfer request will then be reviewed, and you will be notified of the outcome by email.
CPD Hours and Post Nominal
20 CPD hours
FASEA breakdown:
Technical = 5 hours
Client care and practice = 6 hours
Protection = 6 hours
Professionalism and ethics = 3 hours
Post-Nominal – CertIVFMB
Payment Options
Payment can be made with credit card via the online learner portal, once the enrolment is approved. 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
Some industry bodies and participants 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.
Please contact your aggregator and/or association to determine whether the Certificate IV level is suitable for membership.
For more information about our Accountants and Financial Planning pathway of the Diploma, click here. To view the standard Diploma information, click here. Existing students may receive a discount on this course.
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 workshops & 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
(Accountants or Financial Planners Pathway)
Use Code: AUTUMN10 for a 10% discount
*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.
Recognition of Prior Learning
You must submit a completed Pre-eligibility form
Cost
Delivery mode
Cost
Have Further Questions?
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.
Are the courses 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.
Our Partners
AAMC Training Group is proud to be associated with the following organisations:
