How to Become a Mortgage Broker in Quebec (2026)

Quebec runs the most structured route into mortgage brokering in Canada, and the only one with a formal supervised probationary period. You qualify through the Mortgage Brokerage Qualification Program, sit examinations at the Collège des professions financières, then sit the Autorité des marchés financiers examinations and obtain an AMF certificate. The probation rules change on 14 September 2026. Confirm current requirements with the AMF.

The short answer

Complete the two mandatory courses of the Mortgage Brokerage Qualification Program (MBQP) and pass the examinations at the Collège des professions financières — this is a prerequisite for admission to the AMF examinations. Pass those, obtain your AMF mortgage brokerage certificate, and complete the supervised probationary period. Quebec's path takes longer than Ontario's or Alberta's, and it is deliberately so.

The path, step by step

• 1. Complete the MBQP courses. Two mandatory training courses, including the MBQ101 Mortgage Brokering in Quebec programme.
• 2. Pass the Collège des professions financières examinations. These are the gateway — you cannot be admitted to the AMF examinations without them.
• 3. Pass the AMF examinations.
• 4. Obtain your AMF mortgage brokerage certificate, which is what authorises you to practise.
• 5. Complete the supervised probationary period, attached to a firm.
• 6. Maintain the certificate through the AMF's compulsory professional development requirements.

The probation change on 14 September 2026

This is the detail worth knowing if you are planning your entry. From 14 September 2026 the probationary period changes materially:

• The current minimum of 28 hours per week is removed, and replaced by a cap of 40 hours per week.
• The period requires a minimum of 336 hours, to be completed within 24 weeks.

In practice this is a flexibility gain. Under the old rule a fixed weekly minimum made it difficult to complete probation alongside other commitments; a total-hours requirement inside a 24-week window is far easier to schedule around a job or family. If you have been putting off Quebec licensing because of the weekly commitment, the arithmetic just changed in your favour.

Coming from another province

The AMF has a specific route for representatives already certified in another Canadian province or territory, operating under labour-mobility principles. Quebec also has its own compulsory professional development regime, so recognition of your licence is not the same as exemption from ongoing obligations. Start at the AMF's page for representatives from another province, and see transferring your licence between provinces.

What makes the Quebec market different

• Language. French is not optional in most of the province. Service in French is both a legal and a commercial reality, and it is the single largest barrier to out-of-province agents.
• Different transaction mechanics. Quebec uses the civil law system; notaries play a role that lawyers play elsewhere, and the "welcome tax" (droits de mutation) works differently from land transfer tax in the common-law provinces.
• Distinct lender landscape. Desjardins has a market position in Quebec with no equivalent elsewhere in Canada, and provincially-focused lenders matter more than they do in Ontario or BC.
• Regulatory culture. The AMF regulates across financial sectors, and the compliance expectation is correspondingly formal.

Choosing a firm in Quebec

Because Quebec's probation attaches you to a firm during your formative months, the choice matters even more than elsewhere — you are not just picking a brokerage, you are picking who supervises your entry into the profession. Ask who will actually supervise you, how many probationers they take at once, and what happens after the 336 hours are complete.

The general framework still applies: see questions to ask before joining a brokerage and what brokerage support actually means.

A note on where we operate

Mortgage Squad Advisors is licensed by FSRA in Ontario (Brokerage #13737). We are not certified with the AMF and cannot take on a Quebec probationer today. This guide exists because the Quebec path is poorly documented in English and the September change is not yet widely known. We are expanding — tell us confidentially if you would like to hear from us when that changes.

Frequently asked questions

Who regulates mortgage brokers in Quebec?

The Autorité des marchés financiers (AMF). Mortgage brokerage moved under the AMF's oversight, and an AMF mortgage brokerage certificate is required to practise.

What is the MBQP?

The Mortgage Brokerage Qualification Program — the two mandatory training courses you must complete, with examinations at the Collège des professions financières, before you can be admitted to the AMF examinations.

What is changing about Quebec's probationary period?

From 14 September 2026 the 28-hour weekly minimum is removed and replaced by a 40-hour weekly cap, with a minimum of 336 hours to be completed within 24 weeks. It is a flexibility change rather than a reduction in total supervision.

Do I need to speak French to be a mortgage broker in Quebec?

There is no language test in the licensing path itself, but serving clients in French is a practical necessity across most of the province and a legal expectation in client communications. Treat it as a requirement of the job rather than of the licence.

Can an Ontario-licensed agent work in Quebec?

Not on an Ontario licence. The AMF has a route for representatives certified elsewhere in Canada — apply through that, and expect Quebec-specific requirements to remain.

Quebec's rules change in September, so verify against the AMF before acting — including on this guide. Licensing in Ontario instead? See how to become a mortgage agent in Ontario, or talk to us.