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Certificate IV · national qualification

Certificate IV in Finance and Mortgage Broking

This qualification is for people who want to work as a mortgage or finance broker, helping clients work out what they need and then find a loan that fits.

Compare 6 providers
How long it takes
4 months
full time at TAFE NSW
What it costs
From $1,980
Subsidised at TAFE NSW, full fee up to $7,710
How you can study
Online or on campus
Taught by
6 providers
Every state and territory

Is this course right for you?

What the Certificate IV in Finance and Mortgage Broking asks of you, and what you might want to check first.

It helps to have

  • an interest in helping people with their finances and loans
  • clear communication skills for explaining options to clients
  • a careful approach to rules and regulations
  • good organisational skills for preparing loan applications

Before you start

The qualification has no set entry requirements, but each provider can add its own.

Where this course can take you

The study that can follow this course.

If you study further

Pay is the median for everyone in the job, and “In demand” means the job is on the national shortage list. Pay marked as an estimate is our own analysis, not a published figure.

What it costs

Subsidised place

From $1,980

at TAFE NSW. Whether you get a subsidised place depends on your state, residency, age and earlier study.

Paying the full fee

$2,889 to $7,710

across the TAFEs listed below. Private providers set their own fees.

  • TAFE NSWNSW

    Subsidised
    $1,980
    Concession
    $240
    Full fee
    $7,710
    How long
    4 months

  • Holmesglen InstituteSA

    Full fee
    $2,889

Fees as each TAFE shows them on its website, read 20 September 2026. Private providers set their own fees.

Where you can study this course

There are 6 places you can study this course. When you compare them, check they teach it the way you want to study, how far you'd be from a campus, what it will cost you and what past students say about the teaching and support. They're listed by how often people search for them, and none of them pays to be here or to move up.

What you’ll learn

12 units: 7 that everyone takes and 5 you choose.

  • Interviewing clients about their needs
  • Preparing and lodging loan applications
  • Comparing loans and lenders
  • Credit law and industry codes
  • Building client and referral relationships
  • Financial products and services
See all 7 core units

Core units

Everyone completes these. Select a unit to see what it covers.

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Questions to ask before you enrol

Providers run this course differently, so the answers change from one to the next.

  1. When is the next intake, and how many are there each year?
  2. What is the total cost, including materials, checks and any placement costs?
  3. Can I study part time or online, and how does that change the length?
  4. Do the units count towards a higher qualification if I go on to study further?

Questions people ask

Who is this qualification for?

It is for people who want to work as a mortgage or finance broker, helping clients work out what they need and find a loan that fits. You learn to interview clients, compare loans and lenders, prepare and lodge applications, and explain options.

Do I need experience or other qualifications first?

The qualification itself has no entry requirements, so no prior finance experience or qualification is needed. Individual providers can set their own conditions, so check with the provider you choose. Most brokers work under a credit licence held by an aggregator or employer, so it pays to check current requirements before you commit.

Is a licence, registration or check required to work in this area?

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.

Related courses

The national training register, training.gov.au. TAFE course pages, read 20 September 2026. Google reviews. Pay and shortage status from Jobs and Skills Australia.