FOER Mock Paper 1 — Fundamentals of Equity ReleaseEasier
The free FOER starter mock: 50 standalone questions on lifetime mortgages, home reversion, the Equity Release Council and later-life suitability. 60 minutes, pass 35/50.
This whole paper is free — no sign-up. Start below when you're ready. Or unlock all papers — £29.99.
Ready when you are
The timer starts when you press the button. You can still finish after it runs out — it is there to mimic exam pressure, not to lock you out.
Answer options are shuffled on every attempt. Your progress is saved as you go, so a refresh won't lose it.
About FOER Mock Paper 1
This is mock paper 1 of 5 for FOER, the Fundamentals of Equity Release unit of CeRER. The 5 papers in this unit run easier → harder so you can build up to exam standard rather than being thrown in at the deep end. This one sits in the easier tier: the wording is clean and the wrong answers are less subtle than the ones the examiner writes, so it is the right place to find out what you actually know.
It is free to sit in full, with no account and no card, and every question is published on this page with its answer and explanation. Questions are original, written against the current CeRER syllabus, and cover the material the way the examiner tests it — precise recall where recall is tested, and judgement where the paper wants judgement.
Format, timing and pass mark
FOER Mock Paper 1 follows the live FOER format: 50 standalone questions, in 60 minutes — about 72 seconds a question. Pass mark 35/50 (70%), as in the real assessment. There is no negative marking, so answer everything.
What this paper tests
The 50 questions in FOER Mock Paper 1 break down across 8 topic areas:
- Equity Release Council8 questions
- Lifetime mortgages7 questions
- Benefits & tax6 questions
- Consumers & suitability6 questions
- Definitions & regulation6 questions
- Features, risks & calculations6 questions
- Home reversion6 questions
- Alternatives5 questions
Reviewing rather than sitting it?
Every question in this paper is published with its answer and a written explanation on a separate page — deliberately not on this one, so the answers are not sitting under the paper while you are taking it.
All 50 questions & answers →Scored under 70%? Revise these next
A near miss is almost always a calculation you cannot do under time pressure, a definition you half-know, or a rule you have never read in the examiner's words. Start with the topic areas above where you dropped marks, then:
- →Drill the calculations on the CeMAP formula sheet — LTV, income multiples, SDLT, APRC, ERCs and rental cover, each worked through.
- →Nail the terminology in the CeMAP glossary — a surprising share of wrong answers are a term you nearly knew.
- →Re-read the syllabus coverage on the FOER exam guide, then sit the next paper in the ramp.
The other FOER mock papers
5 timed mocks for this unit, running easier → harder. Sitting the whole ramp is what moves a borderline score to a comfortable pass.