Complete overview of all 12 core units required for Certificate IV in Finance and Mortgage Broking
No electives required
Across all units
Based assessment
All 12 units must be completed to achieve FNS40821 qualification
Learn to gather client information, assess borrowing capacity, and prepare comprehensive loan applications that meet lender requirements and regulatory standards.
Develop skills to conduct thorough client interviews, identify financial goals, assess risk tolerance, and determine appropriate lending solutions.
Master the art of presenting loan options, explaining features and benefits, comparing products, and helping clients make informed decisions.
Understand how to provide compliant credit assistance, including disclosure requirements, responsible lending obligations, and client communication.
Gain foundational knowledge of the financial services industry structure, regulatory environment, and professional conduct requirements.
Develop customer service excellence skills specific to financial services, including communication, problem-solving, and relationship management.
Learn the end-to-end process of credit application processing, from initial submission through to settlement and post-settlement activities.
Understand dispute resolution processes, complaint handling procedures, and how to manage difficult situations professionally and compliantly.
Learn to prepare and lodge BAS and IAS, understand GST obligations, and maintain accurate financial records for your broking business.
Develop skills to set up payroll systems, process wages, manage superannuation, and comply with employment taxation requirements.
Understand contract law fundamentals, consumer protection legislation, and how legal principles apply to mortgage broking transactions.
Learn about corporate structures, trust arrangements, and how these legal entities impact lending and broking activities.
Complete written tasks, case studies, and knowledge questions that demonstrate your understanding of mortgage broking principles, regulations, and procedures.
Apply your skills in realistic scenarios including client consultations, loan application preparation, and presenting broking options to demonstrate competency.
Compile a portfolio of work samples, documents, and evidence that shows your ability to perform all required tasks to industry standards.
FNS40821 uses competency-based assessment, meaning you're assessed on your ability to perform tasks to industry standards rather than receiving grades. You'll be marked as "Competent" or "Not Yet Competent" for each unit, with opportunities to resubmit assessments if needed.