START YOUR MORTGAGE CAREER
Get licensed
in Alberta or BC.
Choose your province for a simple guide to getting your first mortgage licence. To work in both Alberta and BC, you need approval from both regulators.
NEW MORTGAGE ASSOCIATES
Alberta
Regulator: Real Estate Council of Alberta (RECA)
Check your eligibility
Create a myRECA account and get RECA’s eligibility approval. You must be 18+, a Canadian citizen or permanent resident, and meet its high-school and English requirements.
Take the courses and pass the exams
Complete Fundamentals of Mortgage Brokerage, then Practice of Mortgage Brokerage, with a RECA-recognized provider. Pass both exams. Check RECA’s education page for its private-lending requirements too.
Courses and education requirementsComplete your background check
After your courses, request your criminal record check through myRECA. Follow any extra checks RECA asks for.
RECA’s background-check guide (PDF)Choose an Alberta brokerage
Join a licensed Alberta mortgage brokerage. Its broker starts your licence application in myRECA.
Finish your application
Complete your part in myRECA, have your broker review it, and pay the licensing fees. Start practising once your licence is issued.
NEW MORTGAGE BROKERS
British Columbia
Regulator: BC Financial Services Authority (BCFSA)
Check the entry requirements
You must be at least 19 and meet BCFSA’s suitability requirements. You’ll also need to meet the English-language requirement before writing the licensing exam.
BCFSA’s suitability requirementsTake UBC’s course and pass the exam
Complete the Mortgage Services Licensing Course through UBC Sauder and pass the exam. This is the course for new applicants under BC’s current rules.
BCFSA’s education requirementsGet your documents ready
Arrange the required certified criminal record check. Gather your photo ID, education details, five years of employment history, and work-status documents if needed.
Choose a BC brokerage
Agree to join a licensed BC mortgage brokerage. Get its licence details and your principal broker’s name for the application.
Apply through IRIS
Submit your application and fee through BCFSA’s IRIS portal. Your principal broker confirms it, then BCFSA reviews it. Wait for approval before practising.
ADDING ANOTHER PROVINCE
Already licensed?
Ask the regulator about labour mobility before paying for new courses. Your existing licence may qualify you for a shorter route; BC still requires the applicable interprovincial exam for eligible applicants. You need a separate application and approval in each province.
Checked October 15, 2026. BC steps reflect the Mortgage Services Act rules in effect from October 13, 2026. Check the regulator links for full requirements, current fees, and application deadlines.
DLC MORTGAGE FORCE
Thinking about becoming a broker?
Talk to Sunny or Dustin about joining Mortgage Force. Our 20+ hours of live office onboarding and daytime phone support from team leads help you put your learning into practice. Office onboarding is separate from the regulator’s licensing courses.