Trust REAA’s world-class Certificate 4 in Finance and Mortgage Broking courses.
This course is online self-paced, the time it takes you to complete the course is up to you as you can do as much or as little as you want at a pace that suits you within the maximum timeframe.
The FNS40821 Certificate IV in Finance and Mortgage Broking is an entry-level qualification for people looking to start a career in the Australian mortgage and finance broking industry.
This nationally recognised mortgage broker course is also suitable for people already working in financial services who want to gain formal qualifications.
Study online at your own pace with Real Estate Academy Australia (REAA). Our flexible learning platform allows you to complete your training around your work and personal commitments.
The FNS40821 Certificate IV in Finance and Mortgage Broking includes 12 units of competency covering essential knowledge and practical skills for the mortgage broking industry.
Throughout the course, you’ll learn about:
You’ll develop the knowledge needed to understand mortgage products, assist clients and work within Australia’s regulated finance industry.
REAA delivers the FNS40821 Certificate IV in Finance and Mortgage Broking through a flexible online learning platform, allowing you to study at your own pace and access your learning materials around your work and personal commitments.
Your course includes:
100% online and self-paced – Study from anywhere in Australia and progress through your course at a time that suits you.
12 units of competency – Complete all required units to achieve the FNS40821 Certificate IV in Finance and Mortgage Broking.
Knowledge assessments – Complete written questions to demonstrate your understanding of finance and mortgage broking concepts, legislation and compliance requirements.
Practical assessments – Complete practical activities and role plays to demonstrate your skills in mortgage broking scenarios.
Online learning resources – Access your course materials and assessment activities through the REAA student portal.
Trainer support – Contact REAA trainers through the student portal whenever you need assistance.
You must achieve a satisfactory result in all 12 units of competency to successfully complete the qualification.
REAA specialises in flexible online training for the real estate and finance industries.
With our FNS40821 Certificate IV in Finance and Mortgage Broking course, you can:
Whether you’re entering the mortgage broking industry or formalising your existing experience, REAA offers a flexible pathway towards your qualification.
To complete REAA’s mortgage and finance broking course, you will need:
Once you enrol into the course with REAA, you will receive a confirmation, receipt and also an email with your login details (keep an eye on your spam folder just in case). If you still have questions or need further information, please contact REAA via live chat or email info@reaa.com.au
Note: ALL students are required to obtain a UNIQUE STUDENT IDENTIFIER (USI). Your qualification cannot be issued if you have not provided us with your USI. For more information, or to apply for your USI, visit www.usi.gov.au.
REAA recommends allowing approximately 8–10 hours per unit of competency (12 units in total). These estimates are based on previous student completion times and may vary depending on your experience and individual circumstances.
You have 6 months from enrolment to complete the Certificate IV in Finance and Mortgage Broking. The course includes practical skills assessment tasks, knowledge questions and video role plays.
The Certificate IV in Finance and Mortgage Broking is designed to meet the educational requirements for working in the finance and mortgage broking industry. It is suitable for people entering the industry as well as those already working in the sector who wish to gain a formal qualification.
Once you have successfully completed and submitted all your assessments, REAA’s assessing team will review and mark your work.
Standard grading takes up to 10 business days from completion of your course.
Once you have achieved a Satisfactory result in all 12 units of competency, REAA will issue your FNS40821 Certificate IV in Finance and Mortgage Broking qualification within 1–2 business days.
Your qualification will be issued once all required assessment and account verification requirements have been met.
Yes, completing the role plays is a mandatory component of the course. They are required to demonstrate your competence as outlined in the units of competency. The role plays are designed to simulate real-world client interactions in the finance and mortgage broking industry and are essential for being deemed competent in the course.
These activities are intended to prepare you for professional conversations you will routinely encounter as a mortgage broker or finance professional. If you’re unable to complete the role plays in person with someone, you may perform them via video platforms like Zoom. You can complete the role plays with a friend, family member, or alternatively, purchase one-on-one assisted role play sessions through the REAA website. Please check our website for options.
Please don't hesitate to reach out to our support team if you have any questions or require further assistance.
Zhao Zhang12 November 2026Trustindex verifies that the original source of the review is Google.
Great learning experience would recommend to anyone who wants to enter the industry
Joanne Emery12 November 2026Trustindex verifies that the original source of the review is Google.
I have just completed my annual CPD real estate courses with REAA. I’m so glad I chose them. The courses were easy to do, not too time consuming and very informative and inter-active. I’ll definitely be using them for all my future CPD courses. Highly recommended.
Mark Mccallum10 November 2026Trustindex verifies that the original source of the review is Google.
Super efficient and simple to use - Completed 100% online at your own pace with support only a message away when needed. Thanks Real Estate Academy 🙏
Lucy Oldfield19 October 2026Trustindex verifies that the original source of the review is Google.
Good company, very nice workers there & provides help
Brooke Marsh14 October 2026Trustindex verifies that the original source of the review is Google.
Really happy with the quality of this course and timely manner in which my course was signed off on. Really good trainers and help line.
Becky Mcgrath8 October 2026Trustindex verifies that the original source of the review is Google.
Such a wonderful experience! The team are incredibly helpful, supportive and approachable. Everything is explained clearly, and assistance is always available when needed. They really make the whole process feel less overwhelming and are genuinely committed to helping you succeed. Highly recommend!
Jacob Mcfarlane8 October 2026Trustindex verifies that the original source of the review is Google.
Good Course, Found the assessors feedback great and help me back on the right track.
Kimberly Dinh7 October 2026Trustindex verifies that the original source of the review is Google.
Great training institute. My course was about to expire before I submitted all my assessments but they kindly extended it free of charge giving me enough time to wait for it to be graded. Helpful trainers and very fast response times.
Courtney Warburton6 October 2026Trustindex verifies that the original source of the review is Google.
Absolutely loved doing my real estate course along with help of the amazing trainers finally completed it thank you so much and bonus is it's all online thank you again reaa
Victoria Babkov22 September 2026Trustindex verifies that the original source of the review is Google.
amazing experience
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