FNS40821 is the nationally recognised Certificate IV in Finance and Mortgage Broking. It prepares you for work as a finance broker. It has been the current version on the national register since 2022, when it replaced FNS40820. Employers posted about 220 finance broker jobs in June 2026, down 9% on a year earlier.
The signals behind the Certificate IV in Finance and Mortgage Broking are mixed, and both sides are worth weighing. Employment is projected to grow through 2035 and enrolments are rising. Job ads in June 2026 were down 9% on a year earlier and the official shortage list does not rate its occupations in shortage. These are official statistics, not a promise about your result.
Employers are posting fewer finance broker jobs than a year ago. About 220 finance broker jobs were advertised online in June 2026, down 9% on a year earlier. Over the last 12 months there were about 3,000 job ads, while 13,160 people were training in the qualification nationally (2025). Ads show the market. Enrolments show the pipeline. Neither is a job promise.
Australia's official shortage list rates commodities traders, finance brokers, insurance brokers and financial brokers necs as not in shortage. The 2025 Occupation Shortage List rates Commodities Trader, Finance Broker, Insurance Broker and Financial Brokers nec as not in shortage.
Finance broker jobs are projected to grow. Jobs and Skills Australia projections put these occupations at 50,642 workers in May 2025, 53,684 by May 2030 (up 6%) and 57,048 by May 2035 (up 12.6%).
Certificate IV in Finance and Mortgage Broking graduates do about as well as is typical at Certificate IV level. In the 2025 NCVER Student Outcomes survey, 89.9% were employed or in further study after training. The typical Certificate IV result is 89.9%, across 71 qualifications. Median income after training was $62,400, against $63,400 typical. 87.9% were satisfied with the training, against 87.8% typical. Income here is the survey median about six months after training. It includes part-time work, so it is not the full-time award rate.
Enrolments in the Certificate IV in Finance and Mortgage Broking are growing. Across Australia, 11,175 people enrolled in 2024. In 2025 it was 13,160, up 17.8% in a year. National data for FNS40821 starts in 2022.
The register and the national framework set some of this. Providers set the rest.
State funding for FNS40821 is being verified against official program lists.
Eligibility and student contributions vary by program and provider. The official state listing is the source of truth. In a subsidised place the government pays most of the tuition and you pay a co-contribution set by the program and provider.
The Certificate IV in Finance and Mortgage Broking is 12 units: 7 core, plus 5 electives chosen from 20 options on the register.
No Get Course partner currently lists this qualification. Check the national register for organisations approved to deliver it, and remember that approval to deliver is a regulatory fact, not a recommendation. You can browse live courses from our partners and enquire today.
Browse coursesGet Course maps FNS40821 to its occupations using the register’s own outcome wording, shown with ANZSCO codes (here, 2221) so the mapping can be checked. Job advertisement counts come from the Jobs and Skills Australia Internet Vacancy Index and count online ads, not vacancies filled. Enrolment counts come from NCVER Total VET Activity and count people in training, not completions. Outcome benchmarks marked “typical” are medians computed by Get Course across all Certificate IVs in the same NCVER collection; they are derived figures, not official NCVER benchmarks. Funding rows appear only after verification against the official state program list. Source vintages: register training.gov.au, synced 16 September 2026; Occupation Shortage List 2025 assessment; NCVER Total VET Activity 2025 collection; Jobs and Skills Australia Internet Vacancy Index latest month June 2026; employment projections May 2025 to May 2035 release; NCVER Student Outcomes survey 2025 survey; register synced 18 Sept 2026. Page last updated 19 Sept 2026.