FNS40815 Certificate IV in Finance and Mortgage Broking

Supersededtraining.gov.au: supersededNonEquivalent

The currency period for FNS40815 ended on 31 January 2021 — 5 years ago. It names one replacement below, with the equivalence it declares for each.

Transition clockOpen for new enrolmentsClosing to new enrolments soonClosed to new enrolments

For an RTO registered by ASQA, new enrolments are not permitted today, unless ASQA has approved otherwise — for your organisation, for a class of RTOs, or for all RTOs. The one-year point this rule counts from — one year from the date the replacement was included on the National Register — fell earlier, on 2 February 2022. That date is arithmetic, not a day on which this instrument prohibited anything: s 14(1)(a)(i) of the National Vocational Education and Training Regulator (Compliance Standards for NVR Registered Training Organisations and Fit and Proper Person Requirements) Instrument 2025 (F2025L00355) commenced on 1 July 2025 and imposes nothing before then. RTOs registered by VRQA in Victoria or by the TAC in Western Australia are not covered by it.

Learners already enrolled have no fixed deadline: they complete the product and are issued their AQF certification, or transfer to the replacement, in a timely manner (ASQA guidance, read live 25 August 2026).

A second obligation follows from the same fact: under s 7(2)(c) of the same instrument, advertising may refer to a superseded product only while it is on scope and new enrolments are permitted. For an RTO registered by ASQA, new enrolments in this product are not permitted today, so a course page advertising it is not permitted either — and if ASQA approves a later enrolment date, that moves with it.

Sector-wide: the item 14 cut-off, measured across every live scope · the repealed 12-month rule

For an ASQA-registered RTO that does not already hold it, adding the replacement to scope is a change-of-scope application to ASQA, with a fee set by law: A$200 application fee + A$1,100 assessment fee per application (up to 5 VET courses and 50 units of competency). RTOs registered by a state regulator, and ASQA delegates, sit under other arrangements. Source: NVR Fees Determination 2026, F2026L00814, from 1 July 2026 · read 5 September 2026.

Product type
Qualification
Training package
FNS — Financial Services Training Package
Currency period ends
31 January 2021
Latest release
Release 2 · 22 April 2015 · 2 releases in all
Supersedes
FNS40811
Superseded by
FNS40820 not equivalent

Where the register points next

Each step below is one supersession training.gov.au publishes between two products. The label on the rail is the equivalence the register declares for that step — not our reading of it.

  1. FNS40815Superseded — not equivalentCertificate IV in Finance and Mortgage Broking
  2. not equivalent
  3. FNS40820Superseded — equivalentCertificate IV in Finance and Mortgage Broking
  4. equivalent
  5. FNS40821CurrentCertificate IV in Finance and Mortgage Broking

What the register says changed

These are the mapping notes training.gov.au attaches to each supersession, quoted as the register writes them. They are the only public record of what actually changed between two versions.

  • FNS40811FNS40815equivalent24 March 2015

    Updated to meet Standards for Training Packages.

  • FNS40815FNS40820not equivalent1 February 2021

    The register records this supersession but attaches no note on what changed.

Official documents on the register

What training.gov.au lists for FNS40815 and for its training package FNS (release 8.2), with the name and date the register publishes for each file. We link them; we have not read them, and nothing on this page is taken from their contents.

Is FNS40815 on your scope?

This page is the register's record of one product. What it cannot tell you is whether FNS40815 sits on your own scope today, or what else on that scope has moved without anyone noticing. Enter your RTO number and we read every product on your live scope against training.gov.au and tell you which ones are superseded and which replacements the register flags not equivalent.

Public code, nothing else. We read your live scope from training.gov.au and answer here — we keep neither the code nor the answer; what remains is the two-minute abuse counter described on our privacy page.

Whether a supersession requires anything of you, and what, sits with you and your regulator. This page maps what the register records; it does not make that judgement. If the difference between an equivalent and a non-equivalent replacement is the question, we wrote it up in equivalent vs not equivalent.

What FNS40815 is made of

training.gov.au lists 15 units for FNS40815: 8 core and 7 elective. The register does not publish a completion rule in units for this product, so we do not state one. How many of the electives are required is in the packaging rules on training.gov.au.

Core units 8 listed

CodeUnitIn this product
BSBITU306Design and produce business documentsnot current
FNSCRD301Process applications for creditnot current
FNSFMB401Prepare loan application on behalf of finance or mortgage broking clientsnot current
FNSFMB402Identify client needs for broking servicesnot current
FNSFMB403Present broking options to clientnot current
FNSFMK505Comply with financial services regulation and industry codes of practicenot current
FNSINC401Apply principles of professional practice to work in the financial services industrynot current
FNSINC402Develop and maintain in-depth knowledge of products and services used by an organisation or sectornot current

Elective units 7 listed

CodeUnitIn this product
BSBCUS301Deliver and monitor a service to customersnot current
BSBWOR501Manage personal work priorities and professional developmentnot current
FNSASIC301Establish client relationship and analyse needsnot current
FNSASIC302Develop, present and negotiate client solutionsnot current
FNSCUS501Develop and nurture relationships with clients, other professionals and third party referrersnot current
FNSFMB501Settle applications and loan arrangements in the finance and mortgage broking industrynot current
FNSSAM403Prospect for new clientsnot current

Core and elective are the register's own flags on the unit grid of the release read here. "Not current" means training.gov.au no longer recommends that unit for use inside this product — it does not say anything about the product itself.

Source: this product on training.gov.au, Australia's national training register — or go straight to the units it requires. The rule itself is item 14 of F2025L00355, and ASQA publishes the extensions it has granted. Read on 14 October 2026 UTC. Every code, title, date, status and equivalence flag on this page is the register's; nothing here is estimated or inferred, and where the register publishes nothing we say so.

Every FNS training product on the register · Search all training products

Take this with you — one email with this page's clock as the register states it today. Nothing scheduled after it.

No account, no card. Your address gets this one email — no list, no marketing. Cutoff alerts only ever come from a watch you start yourself — the box just records your yes now — and every alert has a one-click stop.

Is FNS40815 still on your scope? Type your RTO code and get the free breakdown — every superseded product on your live scope, and whether the register flags each replacement equivalent.

No account, no card. We never ask for anything about your learners. Your address gets this one report — no list, no marketing — and the scope watch only if you tick the box, with one click to stop it.