FNS40815 Certificate IV in Finance and Mortgage Broking

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Course Description

The Certificate IV in Finance and Mortgage Broking (FNS40815) is a practical qualification that focuses on real job-skills in each of the 12 units completed by students. Early in the course students learn how to process credit applications and prepare loan applications on behalf of clients. Students graduate with a broad knowledge of the legislation and professional work practices governing the Financial Services industry.

The Certificate IV in Finance and Mortgage Broking (FNS40815) is a nationally recognised training qualification and part of the official Financial Services Training Package.

Recognition of Prior Learning

The skills and knowledge that you bring to your studies through previous education or employment experience may be credited towards specific units in this course, which can help to shorten your course duration. Please enquire with a course provider to find out more.

Average Course Fee


Average Duration

6 months

Online providers

On-campus providers

Nationally Recognised Training

Suitable For

This course is ideal for people who have the following knowledge, skills or abilities:

Critical Thinking

Evaluating the benefits and costs of different solutions for a problem.

Customer and Personal Service

Such as understanding customer needs, providing good quality service, and measuring customer satisfaction.

Economics and Accounting

Economics and accounting, the financial markets, banking and checking and reporting of financial data.


Arithmetic, algebra, geometry, calculus, or statistics.


71.8% of people gained improved employment status after studying this course.

This course can help you get a job as:

Job TitleAvg Salary
Financial Assistant$1,150 weekly pay
Mortgage Broker$1,340 weekly pay
Credit Officer$1,250 weekly pay
Loan Officer$1,150 weekly pay

This course can help you progress to:

Job TitleAvg Salary
Bank Manager$2,400 weekly pay


You will be required to complete a number of units of competencey for this qualifiation. Example units have been provided below but may vary for each provider.

Design and produce business documents

This unit describes the skills and knowledge required to design and produce various business documents and publications. It includes selecting and using a range of functions on a variety of computer applications. It applies to individuals who possess fundamental skills in computer operations and keyboarding. They may exercise discretion and judgement using appropriate theoretical knowledge of document design and production to provide technical advice and support to a team.

Process applications for credit

This unit describes the skills and knowledge required to apply product knowledge and advisory skills to identify, confirm and process applications for credit prior to assessment in accordance with organisational and legislative requirements. It applies to individuals who occupy entry level positions and work cooperatively in a team environment under the supervision of managers or team leaders.

Prepare loan application on behalf of finance or mortgage broking clients

This unit describes the skills and knowledge required to prepare a client loan application to a relevant lender, and present and process the loan using appropriate channels. Assistance with loan settlement may also apply. It applies to individuals who use analytical and organisational skills to complete administrative requirements and use interpersonal skills to work effectively with a range of clients and personnel.

Identify client needs for broking services

This unit describes the skills and knowledge required to determine clients’ finance broking requirements and explain capabilities, legal and compliance related issues so clients are aware of their rights. It applies to individuals who are skilled at building relationships and who use specialised knowledge and analytical skills to provide advice and a range of services for clients.

Present broking options to client

This unit describes the skills and knowledge required to collect information, conduct relevant research and develop and present broking options to clients. It applies to individuals who use analytical skills and effective communication and negotiation skills to clearly present financial information to a range of individuals with varying needs.

Enquire now for a full list of subjects

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Government Funding

Each state provides its own Government funding initiatives. Here is a list of funding initiatives that are available for this course.

VIC Skills First

Skills First allows eligible VIC students to enrol in subsidised qualifications from Certificate I through to an Advanced Diploma.



Course Providers

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Government Funding
On Campus