Key Benefits

Tailored learning

Course materials have been developed by the previous Head of Professional Development at the Mortgage and Finance Association of Australia (MFAA).

Industry membership opportunities

After completing this qualification, you can apply for membership to the Finance Brokers Association of Australia (FBAA) and the Mortgage and Finance Association of Australia (MFAA) as a finance broker.

Government funding

Living in Victoria? You may be able to get government funding for your course. To see if you’re eligible, click here.

Nationally recognised

The Certificate IV in Finance and Mortgage Broking is nationally recognised under the Australian Qualifications Framework. This means you may be able to use it as a pathway to uni qualifications around Australia.

Course Accreditation

In total, you need to complete each of these 13 nationally recognised units of competency in order to be awarded your FNS40815 Certificate IV in Finance and Mortgage Broking.

The units of competency listed below are packaged into 3 modules.

Module 1

The Mortgage Broking Industry

Module 2

The Mortgage Broking Process

Module 3

Mortgage Broking Business Management

Course Assessments

The experts who design and deliver our courses (click back to Course trainers to meet some of them) have developed an assessment framework that’s uniquely designed to help you gain a deep understanding of the material. They’ll give you the kind of knowledge and skills you can use in the real world as a business operator or manager. Assessment formats include:

Career Opportunities

Finance and mortgage broking is an industry that’s growing and changing rapidly (see our Industry insights for a few key stats). With the state of Australia’s housing market, and the number of mortgage products out there, there’s never been a greater need for quality advice. But as a broker, you won’t just be helping people get in to their first homes or investment properties. You’ll also be helping families grow their businesses, entrepreneurs get their start-ups off the ground, and more.

When you’ve finished the Certificate IV, you’ll be eligible to join some of Australia’s peak bodies for finance broking professionals. However, there are some restrictions on the type of loan products you can access for clients.

Even if you don’t end up working as a broker, you could pursue opportunities like:


You may be able to use this qualification as a pathway to studying Monarch’s FNS50315 Diploma of Mortgage Broking Management, or a relevant university degree, such as a Bachelor of Business (Finance). You may be able to get course credit for some of the units you’ve completed as part of this certificate. This varies from institution to institution, so it’s best to check with the uni you’re thinking of applying to.

Entry requirements

There aren’t any formal prerequisites. But to make sure you get the most out of training with us, the following enrolment process applies:

What equipment will I need?

You will need access to the following equipment to successfully complete the course:

It’s also ideal to have a financial calculator on hand.

Am I eligible for Recognition of Prior Learning or credit transfer?

We may be able to take into account relevant knowledge and skills you’ve  gained through previous formal or informal training, education and employment. To find out more, refer to our Student Information Handbook by clicking here, or get in touch with one of our friendly Course Consultants. Please note this course uses a clustered unit delivery model so please speak to a Course Consultant about how this could affect any RPL or CT granted.

Course Topics

Module 1

The Mortgage Broking Industry

Module 2

The Mortgage Broking Process

Module 3

Mortgage Broking Business Management

Course Duration

This course is designed to be completed within 18 months.

There is no minimum timeframe to complete this course. Students who are highly motivated and well organised can complete the full course at an accelerated pace.

The key factors that influence course completion are a student’s experience, time availability, how fast they work and how committed they are!

How it works

Study online. With a difference.

You’ll get:

How does it work?

This course has been developed to give you absolute flexibility. Study on your couch, on public transport, on your break at work, out in the park – wherever and whenever you like. The best part is, with Monarch Institute, ‘online’ doesn’t mean ‘alone’. You’ll be backed by our trainers at every step along the way.

What support will I get?

Your trainer will be happy to contact you via phone, Skype, Zoom, TeamViewer, or email (Monday to Friday, 9am to 5.30pm). So you definitely won’t feel alone. You’ll also have access to our student Facebook groups, so you can discuss the material with other students. It’s a handy way to stay in touch with trainers and others in the same course.

Do you offer corporate workshops?

Yes. We’re the corporate training partner of choice for several large organisations. Our trainers can also conduct onsite training for groups of six staff or more. Corporate workshops can be scheduled for any location in Australia. Got a new satellite office with staff in need of training? Running a training retreat in an idyllic location (yes please!)? Our trainers can be there.

Corporate workshops are tailored to your organisation’s needs. Get in touch with our friendly course consultants for more information.

Course Price

Upfront payment

$1050 (total)

Payment options include electronic funds transfer (EFT), credit card (Mastercard or Visa), cheque or cash.

Government funding

If you live in Victoria, Monarch Institute has government funded places.

To see if you are eligible for a government funded place, please click here to see the criteria. Or get in touch with one of our friendly course consultants.

*Fees and units are subject to change.

Meet your trainers

Industry experts and thought leaders.
Shane Watson mortgage broking trainer Monarch
Shane Watson
“Wisdom is the reward you get for a lifetime of listening when you would rather have talked.”
– Mark Twain

With my finance and business qualifications, I operated a finance broking business for over 20 years. During that time I obtained an Australian Credit Licence and developed the business to offer a wide range of financial services.

As an adjunct to my finance business, I also operated a Business Consultancy service advising new and existing business owners on business establishment, development and profitability improvement. I’ve previously been Director of two Investment, Property and Finance Companies as well as a Trustee of a Superannuation Fund.

What makes me jump out of bed each morning?

I’m passionate about training new entrants in the finance and business sectors.

Darryl Benn
Darryl Benn
"If you're always trying to be normal, you'll never know how amazing you can be"
- Maya Angelou

I’m an experienced finance industry consultant working in both the residential and commercial finance sectors.

I’ve worked in mortgage origination operations been a Responsible Manager for an Australian Financial Services Licence, and Head of Lending for a residential and commercial mortgage lender.

I feel I understand the needs of the student and the industry, after many years in education and course development.

What makes me jump out of bed each morning?

Graeme Porter
Graeme Porter
"You cannot teach a person anything, you can only help them find it within themselves"
- Galileo Galilei

My career in Banking and Finance commenced in 1972 and progressed with responsibilities as a Financial Adviser and Manager. From 2000 I moved into Finance Broking providing a full range of broker services and specialising in commercial and asset lending.

What makes me jump out of bed in the mornings?

I have a strong desire to pass on my experience to students to ensure they are prepared to work as a full service Finance Broker.

Any questions? Ask away!

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Finance and mortgage broking education.
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Certificate IV in Finance and Mortgage Broking


  • Study online, and fit your study around your work and family life
  • Get the background knowledge you need to provide great advice
  • Become an accredited member of the Finance Brokers Association of Australia (FBAA)
Click to expand
Duration Up to 18 months
How it works Study online. With a difference.
Price $1,050
Career opportunities Finance and mortgage broker
Course topics Three modules
Units 13 units of competency | Nationally recognised
Course trainers Industry experts and thought leaders.
Pathways FNS50315 Diploma of Finance and Mortgage Broking Management | University courses
Entry requirements No formal prerequisites | RPL available | Some equipment needed
Assessments Multiple small assessments | No exams
Start date Immediately, or whenever you’re ready.
Get in touch about enrolling
Payment Options There are two ways you can pay for your course...
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