Key Benefits

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.

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.

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

Mortgage Broking Industry Knowledge

Module 2

Mortgage Lending – Product & Process

Module 3

Mortgage Broking Business Skills


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?

We may be able to take into account relevant knowledge and skills you’ve possibly gained through previous formal or informal training, education and employment. To find out more, refer to our Student Information Guide by clicking here, or get in touch with one of our friendly course consultants.

Course Topics

Module 1

Mortgage Broking Industry Knowledge
• Identify the market structure
• Understand the regulatory framework
• Differentiate between different types of property ownership
• Use a variety of property valuation methods
• Understand the mortgage process
• Convey to clients guidance about mortgage broking products and services

Module 2

Mortgage Lending – Product & Process
• Gather client information
• Analyse a client’s financial statements
• Determine a client’s ability to service debt
• Present finance options to clients
• Explain elements of a loan proposal
• Identify risks associated with a loan proposal
• Prepare supporting loan documentation
• Prepare a loan application

Module 3

Mortgage Broking Business Skills
• Apply principles of professionalism
• Understand and consider external factors that impact the mortgage market
• Identify the roles and interrelationships of key market participants
• Recognise and exploit market opportunities with other professionals and third parties
• Understand the requirements for operating a compliant practice

Course Duration

What is the average course completion time frame?

This course is designed to be completed within 18 months. You must complete each module within six months.

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.

Meet your trainers

Industry experts and thought leaders.
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.

Since 2012, I have followed my passion to train and help new entrants to the finance and business sectors.

What makes me jump out of bed each morning?

I’m passionate about helping businesses become successful! Let’s do this!

Josh Wilson
"Limitations live only in our minds. But if we use our imaginations, our possibilities become limitless."
– Jamie Paolinetti

I am a qualified financial planner with tertiary and vocational qualifications in financial planning and law. I’ve had 17 years of experience in the financial planning and wealth management industry. I have worked as a financial planner for a large Australian bank and boutique wealth management firm for over 10 years, and prior to that, as a fund accountant for a London-based asset manager.

What makes me jump out of bed each morning?

I am usually woken up by my three children first! I get excited to see my heirloom tomatoes growing strongly in spring. I love cooking at home on the weekend, hanging out in the park with my wife and three children, and I’m a mad (suffering) Carlton supporter.

Cynthia Shannon
"If you look at what you have in life, you’ll always have more. If you look at what you don’t have in
life, you’ll never have enough."
– Oprah Winfrey

I hold a Bachelor of Economics (Monash) and a Master of Commerce (Hons) (Uni Melbourne). I’ve lectured at the AGSM, University of Melbourne, RMIT University and Whittier College in California over a period of 35 years. I’ve taught accounting and finance in Australia, Hong Kong, Singapore and Malaysia, and financial planning in Australia and Singapore. I have worked for BBL Funds Management Ltd, a specialist index fund manager, providing training and education support to financial planners. To top that all off, I’ve also held a Certified Financial Planning (CFP) designation while practising as a financial planner.

I am currently the Head of Teaching and Learning at Monarch Institute. As a trainer, I hold a Certificate IV in Training and Assessment. I have written a chapter for an Australian text book titled Personal Finance, first published by John Wiley and Sons in 2001. My other publications include written course materials for the RMIT Master of Finance and Monarch Institute.

Any questions? Ask away!

Please complete the details below. Your dedicated course consultant will be in touch with you shortly.
  • *Required Fields
  • This field is for validation purposes and should be left unchanged.

Finance and mortgage broking education.
For the real world.

Get in touch

Certificate IV in Finance and Mortgage Broking


  • Get the background knowledge you need to provide great advice
  • Become an accredited member of the Finance Brokers Association of Australia (FBAA)
  • Fit your study around your work and family life
Click to expand
DurationUp to 18 months
How it worksStudy online. With a difference.
Career opportunitiesFinance and mortgage broker
Course topicsThree modules
Units12 units of competency | Nationally recognised
Course trainersIndustry experts and thought leaders.

FNS50315 Diploma of Finance and Mortgage Broking Management. | University courses

Entry requirements

No formal prerequisites | RPL available | Some equipment needed

AssessmentsMultiple small assessments | No exams
Start dateImmediately, or whenever you’re ready.
Get in touch about enrolling
Payment Options There are two ways you can pay for your course...
How we rank
  • Would recommend
    to a friend
  • Are satisfied
    with the training
  • Are happy with