This qualification reflects the role of individuals working in finance and mortgage broking. Individuals in these roles apply theoretical and technical knowledge and skills to work autonomously and exercise judgement in completing routine activities relating to mortgage and finance broking.


This qualification is nationally recognised under the Australian Qualifications Framework (AQF).


Domestic fee-for-service students over the age of 18, who are working or want to work in the Finance and Mortgage Broking area or completed Certificate III qualification within Financial Services training package or similar qualification.

Learners with experience in the relevant industry or education can apply for Recognition of Prior Learning (RPL) and Credit Transfer. Please refer to ‘RECOGNITION OF PRIOR LEARNING AND CREDIT TRANSFER’ section or contact Trinity Institute of Business Studies.


Qualification Package Entry Requirements

No Specific entry requirements are for this course according to qualification package.

Trinity Institute of Business Studies admission requirements

In addition to Qualification Package entry requirements, TIBS has the following admission requirements for all students:

  • Applicant must be of the age 18 years or over at the time of the scheduled course commencement.
  • Entry into this course requires successful completion of an Australian Year 12 qualification or equivalent.
  • Applicants are required to have successfully completed a Language, Literacy and Numeracy (LLN) test and Pre-Training Review before training commencement. ACSF level 3 is required in reading, writing, learning, oral communication, and numeracy. The student may be exempted from LLN test if student has already completed an Australian Qualification of Certificate IV or higher level prior to enrolment.

Required Australian Core Skills Framework (ACSF) level

ACSF level 3 is required in reading, writing, learning, numeracy and oral communication.


Work functions in the occupational areas where this qualification may be used are subject to regulatory requirements. Relevant regulatory authorities should be consulted to confirm those requirements before applying the qualification.


Training Pathway

Further training pathways from this qualification include, but are not limited to, higher education in same field, e.g., FNS50322 – Diploma of Finance and Mortgage Broking Management.

Employment Pathway

Occupational titles may include:

  • Mortgage administration assistant
  • Lending officer
  • Loan underwriter
  • Client service officer
  • Finance broking practice manager

Please refer to the following source for Pathway and employment outcomes and Job Pathways Charts illustrating potential career pathways within that industry.



The program takes place in a classroom environment with access to a simulated environment where required.

The participants in each program group will be provided with detailed learning resources (along with online access) to support the learning and assessment activities. These resources will include learning, assessment and other reference material relevant to the unit of competency being delivered.


This course is offered over 6 months including holidays, given that no credit transfer or RPL is achieved. Students need to gain competency in 12 units (7 core units and 5 elective units) to successfully complete this course.


The underlying principle of Nationally Recognised Training is that a learner does not have to repeat training and assessment that has already been undertaken.

Trinity Institute of Business Studies has a Recognition of Prior Learning (RPL) and Credit Transfer Policies and Procedures and can be found at Trinity Institute of Business Studies ’s website, which outlines in detail a process to be followed for granting recognition and credit transfer. This is supported through the RPL guidelines for this qualification which focus specifically on all units.

Learners are encouraged to apply for RPL prior to or immediately after formal enrolment but prior to the facilitated delivery of units to ensure that they do not miss any training opportunities offered should they be unsuccessful in the RPL process. 

Credit Transfer relates to the recognition of learning achieved through formal education and training, and involves assessing a previously completed course or units to see if it provides equivalent learning or competency outcomes to those required within the current course of study. Learners must provide transcripts of results and/or statements of attainment for credit transfer to be assessed. 

Where a learner is successful in the RPL or Credit Transfer (CT) application, the units to be undertaken and course duration will be adjusted accordingly.

Where RPL is granted, learners do not have to participate in further training and assessment for skills and knowledge that they already possess.


  • Tuition Fee: AUD XXX
  • Material Fee: AUD XXX
  • Application/Registration Fee: AUD XXX (Non-refundable)
  • RPL Fee: AUD XXX per unit

Note: Students will be provided the option of Easy Monthly Instalments. Students are advised contact the Institute in relation to the updated and recent fees for the course. Course fee is subject to change.

Terms and Conditions:

  • Trinity Institute of Business Studies does not accept fee amount more than $1500 in advance as fee payment.
  • Trinity Institute of Business Studies will strive to maintain highly competitive fair and reasonable fee structures.
  • Trinity Institute of Business Studies adjusts its fees and charges from time to time. Changes to fees will be fairly and equitably applied, advertised and clearly indicate the date from which the change will take effect.
  • Trinity Institute of Business Studies provides details of course fees in all course information.
  • Trinity Institute of Business Studies will ensure these fees are applied and communicated to clients prior to enrolment.
  • In accordance with the Standards for RTOs 2015, Trinity Institute of Business Studies adopts the following to protect fees paid in advance:
    • Flexible payment arrangements/ options will accommodate individual circumstances. This can be in form of monthly instalments.
    • Fees must be paid in full before certification will be issued.
    • Acceptable payment options can be made via credit card, direct debit, and EFT remittance to accommodate the diverse financial situations of clients.


As per package rules, 12 units must be completed. These include 7 core units and 5 elective units.

Core Units

BSBPEF501         Manage personal and professional development

FNSCUS511        Develop and maintain professional relationships in financial services industry

FNSFMB411        Prepare loan applications on behalf of clients

FNSFMB412        Identify client needs and present broking options

FNSFMK515        Comply with financial services regulation and industry codes of practice

FNSINC411          Conduct work according to professional practices in the financial services industry

FNSINC412          Apply and maintain knowledge of financial products and services

Elective Units

BSBPEF402         Develop personal work priorities

BSBTEC302         Design and produce spreadsheets

FNSASIC311       Establish client relationship and analyse needs

FNSSAM413        Identify and provide initial information to potential new clients

BSBTEC301         Design and produce business documents


Please contact Trinity Institute of Business Studies for the intake dates.


Each unit is delivered and assessed as a standalone unit. Assessment comprises written assignments, activities and projects. Students are required to attend training and assessment activities as scheduled.

Assessment is structured throughout the course. If students are unable to achieve competency, additional support is provided through mentoring and access to re-assessment as outlined in our policies and procedures. Assessment requires achievement across all tasks to demonstrate competence and may include:

  • Knowledge Questions
  • Demonstration
  • Role-play
  • Project / Project Portfolio
  • Case studies



This program takes place in a classroom environment with access to a simulated environment where required. Practical learning and assessment take place in a simulated environment. The simulated facilities are equipped with all the required equipment.

Students will be provided with access to the following resources, including online portal access, required to complete the qualification successfully upon enrolment:

  • Units’ Notes
  • Student Workbooks and Resources
  • PowerPoint Slides and Handouts
  • Computers with Office Suite and appropriate software



Upon successful completion of this course, students will receive a nationally recognised FNS40821 – Certificate IV in Finance and Mortgage Broking. Students who do not complete all units may be eligible for a Statement of Attainment for partial completion of the FNS40821 – Certificate IV in Finance and Mortgage Broking.