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Description

Responsible Mortgage Lending: Assessing Affordability, Advising and Documenting

Meeting your information and advisory duties at every stage of a mortgage application

  • 1.5 days — 10.5 h
  • In-person or virtual
  • Intermediate
  • Up to 6 participants

A home loan commits the borrower for many years and commits the lender to a disciplined method: information provided at the right time, a serious affordability assessment, explanations adapted to the client, and a clear record of every exchange. Across branch networks, the gap usually shows up on evidence: the advice was given, but nothing proves it.

This guided self-study programme follows the life of a file: onboarding, analysis of the client's situation, comparison of offers, issuing the offer and post-completion follow-up. It builds on existing lending practice, with particular emphasis on formalisation and on sensitive situations such as refinancing or debt consolidation.

Learning objectives

  • Position the duties of the lender and the intermediary at each stage of the file
  • Assess borrower affordability on the basis of verified information
  • Deliver complete and understandable pre-contractual information
  • Formulate advice tailored to the client's situation
  • Record exchanges and build a file that stands up to scrutiny

What makes this programme different

The programme follows a complete file from first contact through to loan release
Sensitive situations such as debt consolidation and mortgage protection cover are addressed separately
Checkpoints with the trainer validate learning between sequences

Programme

1The mortgage distribution framework

Positioning the rules and the players

  • Scope of application and transactions concerned
  • Respective roles of the lender and the intermediary
  • Competence and integrity requirements
  • Remuneration and prevention of conflicts of interest

2Analysing the borrower's situation

Verify before you propose

  • Gathering information on income and commitments
  • Verification of declared items and supporting documents expected
  • Assessing repayment capacity over the full term
  • Taking the project and the down payment into account
  • Specific cases involving irregular income

3Information, advice and the offer

Saying what must be said at the right time

  • General information and the personalised information sheet
  • Explanations adapted to the client's level of understanding
  • Comparing offers and security arrangements
  • Mortgage protection cover and choice of policy
  • Reflection periods and acceptance of the offer

4Sensitive situations and evidence

Documenting what protects you

  • Refinancing and debt consolidation
  • Clients in difficulty and renegotiation
  • Complaints and dispute handling
  • Building and retaining the client file
  • Internal controls and points of vigilance

Who is it for

Relationship managers · personal banking advisers · mortgage brokers and finance intermediaries.

Prerequisites

Be active in the distribution or intermediation of mortgage finance.

Dates & locations

36 scheduled dates between November 2026 and December 2027. Seats are confirmed in the order enquiries are received.

November 2026

December 2026

January 2027

February 2027

March 2027

April 2027

May 2027

June 2027

September 2027

October 2027

November 2027

December 2027

None of these dates suit you? We open additional sessions on request, and any programme can be run privately for your team.

Practical details

Before the programme
Online positioning questionnaire. Your development objectives are shared with the trainer, who tailors the practical case studies to your context.
Teaching methods
Theoretical input, workshops and practical case studies. Digital course materials and method sheets provided.
Assessment
Multiple-choice tests and role-play exercises. Assessment of learning at the start and end of the programme, with immediate and 60-day follow-up evaluations.
After the programme
One year of access to the e-learning platform. Self-assessment of the skills acquired and a 30-day follow-up session with your trainer.
How to register
Registration online or on the basis of a quotation.
Lead time
11 working days after confirmation of registration.
Accessibility
Accessible to people of determination. Contact our accessibility coordinator to design a suitable solution: contact@mpf-academy.ae
Start dates
Rolling intake: in addition to the scheduled sessions, this programme can start on request.