The London Institute of Banking & Finance · RQF Level 2
IFS Level 2 Certificate in Personal Financial Planning (QCF)
You don’t just earn this. You learn to use it, one-to-one, on your own real work.
- LevelRQF Level 2
- Total credits14
- Guided learning79 hours
- Units in this qualification8
Awarded by The London Institute of Banking & Finance · on the Ofqual register
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See how this course maps onto your role
Ten quick questions, one per Future Fluency, asked against this qualification rather than a generic one.
About 5 minutes · No card · Nothing to commit to
What you’ll learn
What each unit actually teaches you to do
These are the units The London Institute of Banking & Finance registers against this qualification. It is a catalogue, not a syllabus. Which of them you take depends on the combination the qualification requires, and that is set by the awarding body rather than by us. Every unit here is regulated, and every one you earn is yours to keep.
Financial Planning for Later LifeReal unit · The London Institute of Banking & Finance
What you'll be able to do
- Understand the underlying issues and principles associated with decisions regarding pensions.
- Understand the key features of the main types of pension product.
- Understand the main state pension benefits.
- Understand health and care related needs and the associated financial products.
- Understand the sources and types of funding available for health and care related issues.
- Understand the financial issues associated with estate planning.
- Understand the products available for equity release.
Managing Personal Financial RiskReal unit · The London Institute of Banking & Finance
What you'll be able to do
- Understand the concept of insurance and its use as a method of managing risk.
- Understand the main types of insurance products and their key features.
- Understand the key issues that affect the cost of insurance.
- Know the key providers and other roles in the provision of insurance.
- Understand the key factors, and terminology associated with taking out insurance.
- Understand the key aspects of making an insurance claim.
Mortgages for ConsumersReal unit · The London Institute of Banking & Finance
What you'll be able to do
- Understand what is meant by the term mortgage.
- Understand the types and key features of mortgage products.
- Understand the inter-relationship of mortgage terms, conditions and repayment factors.
- Understand who the key providers and other players in the mortgage market are.
- Understand the fees and charges associated with applying for a mortgage.
- Understand the legal and eligibility issues associated with a mortgage.
- Understand the affordability and risk management of mortgage products.
- Understand the issues associated with managing a mortgage account.
Personal Borrowing and Debt ManagementReal unit · The London Institute of Banking & Finance
What you'll be able to do
- Understand the underlying issues and principles associated with the decision to borrow within personal financial planning.
- Understand the different types and key features of borrowing products.
- Understand the factors affecting the cost of borrowing.
- Understand who the key borrowing product providers are.
- Understand the sources of help, advice and consumer complaints in the borrowing market.
- Understand the legal and eligibility issues associated with borrowing products.
- Understand the issues and solutions associated with debt.
Personal Financial PlanningReal unit · The London Institute of Banking & Finance
What you'll be able to do
- Understand the concept of the personal life cycle.
- Understand the concept of financial planning.
- Understand the need to regularly review financial plans in line with the personal life cycle.
- Know the key features and behaviours associated with the preparation of a balanced personal budget within the context of financial planning.
- Understand the nature and type of professional services available to the individual to support financial planning and decision-making.
- Understand the rights and responsibilities within financial planning and the provisions for consumer protection.
- Understand the
Rights and Responsibilities in Personal FinanceReal unit · The London Institute of Banking & Finance
What you'll be able to do
- Understand the concept of regulation and how it operates in relation to financial services.
- Know the main features of the legislation and voluntary codes that influence personal finance relationships.
- Understand the key legal concepts that relate to personal finance.
- Understand the rights and the responsibilities of consumers and providers of personal financial services.
- Understand financial services complaints and compensation processes.
- Understand what constitutes socially responsible and ethical behaviour in relation to financial services.
Savings and InvestmentsReal unit · The London Institute of Banking & Finance
What you'll be able to do
- Understand the issues and principles affecting decisions about savings and investments.
- Understand the main factors that impact upon the return on savings and investments.
- Understand the main features of the basic types of savings and investment products.
- Know the role and function of key bodies in the savings and investment market.
- Understand the legal and eligibility issues associated with savings and investments.
Tax and BenefitsReal unit · The London Institute of Banking & Finance
What you'll be able to do
- Understand the main features of the taxation and benefits system in the UK.
- Understand the main features of personal income tax.
- Understand the documentation relating to income tax.
- Understand the main features of other, main forms of tax.
- Understand the main features of National Insurance.
- Understand the main features of state benefits.
- Understand the main sources of advice and information relating to tax and benefits.
The honest bit
You’ve started things before
Most courses were built for a room full of people who aren’t you. A cohort moves on whether or not your week allowed it, and by the third week the thing you’re behind on becomes the reason you stop opening it.
There’s no cohort here, and no timetable to fall behind. Before anything starts, Zavmo asks when you’re sharpest and how long you can realistically sit down for, then builds the sessions around those answers. A bad fortnight changes your pace. It doesn’t put you behind.
And you only pay once you start learning. Searching and planning are free, and you can cancel any time — so the cost of finding out is an afternoon, not a year.
Your passport
Every credit is a stamp you keep
Level 2 credits are regulated. They don’t vanish when a subscription ends or a website closes. They travel to any employer, and Zavmo keeps the map of what you’ve earned and what’s next.
Each stamp is a real unit registered against this qualification.
Who’d teach you this
The Evidence Evaluator
Assessor
Helps you show what you can actually do, gathering the evidence that proves it as you learn.
Meet all twelve tutorsWhere this connects
Where these credits take you
A qualification is never a dead end here. See the jobs its credits open, the national occupational standards its units map to, and the future skills they quietly build.
Where this can lead
Lead Product Manager (Mortgages)
Your journey here as a Lead Product Manager for Mortgages is just the beginning. We're committed to providing the opportunities and support for you to build a truly impactful and rewarding career, whether that's climbing the leadership ladder or becoming an unparalleled individual contributor.
See the whole journey →Skills it covers
What the job actually needs. These are the standards the units are built against, in the words employers and awarding bodies already use for the work itself.
How you’ll actually learn this
One-to-one, on your own real work
A qualification is usually something done to you: sit the class, sit the exam, hope it sticks. Here it’s the opposite. You learn it one-to-one with a companion, on your own real work, and you keep going until you can use it, not just recall it.
Applied to your work in any of these jobs
- Remember
- Understand
- Apply
- Analyse
- Evaluate
- Create
Built for IFS Level 2 Certificate in Personal Financial Planning (QCF)
8 units in this credential, in the order it lists them, awarded by The London Institute of Banking & Finance.
- Financial Planning for Later Life
- Managing Personal Financial Risk
- Mortgages for Consumers
- Personal Borrowing and Debt Management
- Personal Financial Planning
- Rights and Responsibilities in Personal Finance
and 2 more in the full unit list below.
One to one, not one to many
No two people run this the same way
A course is written once and handed to everyone. This is assembled around you, and keeps changing as it learns you. Five things it reads, and what each one changes.
- Your actual work Every unit is taught against a live piece of your own work, not a worked example from a textbook.
- What you already know The first conversation finds your starting point, so you skip what you can already do and spend the time on what you cannot.
- The conditions you learn under Not a learning-styles quiz. The evidence does not support those. The dimensions the research does back, read once and used to shape the plan.
- How far you got last time It picks up mid-thought. The tutor knows what you said, what you struggled with, and what it asked you to try.
- Which tutor suits the moment Twelve of them, each for a different kind of thinking. The one who walks you through a first idea is not the one who stress-tests it.
See how you learn, free. Eight questions, no sign-up. A directional taster; the diagnostic inside Zavmo goes deeper and keeps adapting.
Why it sticks
Most courses stop at remembering
There’s a well-known ladder of how deeply you learn something, called Bloom’s Taxonomy. Most courses get you up the first two rungs: you remember some facts, you pass a test, you forget it. Real skill lives at the top. Judging, deciding, creating. And this isn’t a generic ladder: every rung has a named Zavmo tutor who walks you up it.
- 6CreateThe Creative Catalyst
- 5EvaluateThe Evidence Evaluator
- 4AnalyseThe Analyst
- 3ApplyThe Coach
- 2UnderstandThe Connector
- 1RememberThe Builder
Where most courses leave you Where Zavmo takes you
The value
Why the companion is worth £70 a month
You’re not paying for the units. They’re regulated, and the same wherever you earn them. You’re paying for the one thing that decides whether you actually get there: a companion that makes them stick, on your real work.
That is one-to-one on this qualification, every day, on the work you already do, for £70 a month. Your first module is free, so you can see the teaching before you pay for any of it. Billed monthly, cancel any time and billing stops.
Earned on your own work, taught to the top.
Everything you just read, learned one-to-one on the job you already do. Your first module is free, so you can see the teaching before you pay for any of it.
Build my plan, freeNo card. See how this qualification maps onto your role and meet the tutors who’d teach it, free. The learning begins when you subscribe. It’s £70 a month, billed monthly. Cancel any time and billing stops.