You'll need to contact your payroll department, or HMRC as you're employed. There could be a variety of reasons and you won't find the answer on KZfaq because this is a personal situation with unique circumstances. I'd speak to payroll, they may be taxing you because you earn more than £12,570

Add a zero to the end of the number my friend

Yes just like your CeMAP 1 and 2 exams - at home = calculator on screen; you might get given a cheap calculator in a test centre

@@PaulArcher thank you so much for your reply. I’ve been really confused about this as I didn’t even realise there was an on-screen calculator with Cemap 1 and 2. 👍

Our published book is posted first class to your home address. We haven't issued PDFs for a few years now as we experienced a pandemic of online sharing on social; our digital version is viewable online and via an app on your phone/tablet; it doesn't print

Hi Dylan. your question is too big to answer on here so I'm going to do a 5 minute piece on it in my live stream tomorrow lunchtime, so be sure to listen up and watch the recording

@@PaulArcher I saw your answer on the live stream. Thank you so much for covering this. I’m now gearing up to take CeMap3 and in your 17 top tips you state to revise calculations beforehand. When I was doing CeMap2 I was asked to remove a blank sheet of paper from my desk as well as a biro and calculator. Will I be allowed these items in the CeMap 3 exam in order to work things out and to jot down key words etc?

@@DylanLloyd-qc3py No, they are paper averse! You get a whiteboard on screen to do your calculations so practise with Microsoft Whiteboard on your PC before you arraive

Back on now. As I run a full time business, I struggle to respond to people's questions in a timely manner

@@PaulArcher hi paul you dont have to respond to all. Sometimes we like to discuss between ourselves. But thanks

Thank you for your intensive criticism my friend, you owe some suggestions to improve please. what do you suggest

@@PaulArcher wow that was quick…just to be honest everything is great, your content is great. Its just has an enemy thats the microphone headset….plus thanks to this video i realized i dont want a headset where the microphone is on the side of my mouth. Voice travels ahead, so id have a microphone thats close to the mouth. Secondly, it seems like you burst into energy and the message got better when you started joking….and it was a nowhere near that when you spoke in one tone initially. I think you packaged that well with humor and extra tips with those acronyms.

Glad it was helpful

Check the date on KZfaq. Our Bootcamp videos are 23/24 at www.archercourses.com

@@PaulArcher No need anymore - passed Cemap 3 yesterday. Self employement mortgage advisor here I come! work in my own time! Can you do a vidoe on self-employed mortgage advisors.

We have a series of videos called "How to be a Successful Mortgage Adviser" recorded recently - over at www.archercourses.com and its free@@mrretired2715

@@PaulArcher nice paul thanks. Will check

You are welcome!

Thank you - I'll get them checked but they seem to be ok from here and KZfaq does a brilliant job of verifying them before they're displayed

@@PaulArcher they stop, cutout. Its not my end as i never see this occur on other ones you see. Cheers

Yes really big changes, much more in line with the industry norm

@@PaulArcher are you planning to revamp your training?

Here I think kzfaq.info3zAsihKJltk?feature=share

Thank you my friend :-)

Dont listen to that idiot. He watches youtube to watch and listen to people on how they breath. Imagine him having dinner with someone and him telling them how to breath if he doesn’t like the way they breath. What an odd bod. Anyway to the relevant point, Can i ask do you have a further or full video on these.

Interesting synopsis my friend

It is because everyone who quotes a figure comes with a bias - they want you to either train to be an adviser with them or join them as an Appointed Rep. Or both! As a self-employed person, you depend entirely on the number of clients you can secure and the fees you earn from each client. You'll be splitting any fees and commissions by riding on the back of an existing firm with clients. So it's very difficult to say how much you would earn. Employed positions at estate agencies are fairly low - circa £25 - £30K plus bonus. More at banks/building societies, but they're increasingly not taking the advice risk anymore, choosing to make their money from the lending risk and investing heavily in AI to sell their products to consumers directly. So almost impossible to give you an average figure as the majority of advisers are sudo self-employed now

Yeah that makes a lot of sense. I only hear of the brokers making 100k+ which is tempting me to make a career change (I'm an accountant). I do agree that AI could be a huge problem for mortage advisers and real estate agents particularly. I have a lot of friends in sales making good good money and I'm very hungry. I'm in the research phase and there's not a lot out there so thank god for your channel :)@@PaulArcher

Interestingly, IFAs earn a whole lot more and are mostly employed. Look at retraining in that sector. Alternatively, specialist brokers are another area to look at - bridging, development finance etc@@ChronicleStannis

Okay I'll research the IFA path. Bridging and development might also be a good one since I'm planning on doing my own properties in a few years. Thanks :)@@PaulArcher

Brilliant story and it proves self talk can be limiting to performance.

Hi Anonymous, You've nailed this one. Always read the case study for the client's identified needs and apply these in your product choice.

@@PaulArcher Thanks for the clarification Paul.

Its probably my sense of humour

Edinburgh is lovely - look at Stockbridge and New Town and you can then say hello to my daughter who lives there

@@PaulArcher oh great, thank you! I will :D

How would you like me to help you

Glad it helped

Hi Jack - i did one of these a short while ago - search through KZfaq archives or head to www.archercourses.com - it may be on free preview

Best to start as a mortgage adviser. Work up the ranks by doing admin, then support as a paraplanner then adviser

Nope