By Joe White, President & CEO, REMIC • Last updated: April 2026
Becoming a licensed mortgage agent in Ontario is one of the most accessible, rewarding career paths in Canadian financial services. You do not need a university degree, a finance background, or years of industry experience. What you need is the right FSRA-approved education, a sponsoring brokerage, and a clear understanding of the licensing process — and you can be licensed and earning within two to three months of deciding to start.
This guide walks you through every step: eligibility, education, costs, the licensing application, what your first year actually looks like, and how to decide whether mortgage brokering is the right career for you. It is current as of the 2026 licensing cycle and reflects the requirements set out by the Financial Services Regulatory Authority of Ontario (FSRA), the provincial regulator that licenses all mortgage agents and brokers in Ontario.
If you are already licensed in another province, see the section on the Ontario Equivalency pathway. If you are considering whether to get licensed as an agent or pursue real estate instead, the comparison at the end of this guide will help.
What this guide covers
- The three licence classes in Ontario (and which one you need)
- Who qualifies: FSRA eligibility requirements
- Step-by-step: how to become licensed
- Education: the Mortgage Agent Level 1 Course
- The licensing application through FSRA
- What it costs to become a mortgage agent
- How long the full process takes
- Choosing a sponsoring brokerage
- What mortgage agents actually earn
- What your first year looks like
- Is this the right career for you?
- Continuing education and licence renewal
- Upgrading to Level 2 and Broker
- If you are licensed in another province
- Frequently asked questions
The three licence classes in Ontario
Ontario has three licence classes under the Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA). Understanding which one applies to you now and which ones you might hold in the future is the foundation of planning your career.
Mortgage Agent Level 1
The entry-level licence. A Mortgage Agent Level 1 deals or trades in mortgages under the supervision of a licensed mortgage broker, working on behalf of a single licensed brokerage. Agent Level 1 licensees are authorized to arrange mortgages with financial institutions (banks, credit unions, trust companies) and lenders approved under the National Housing Act. This is the licence almost every new mortgage professional starts with.
Mortgage Agent Level 2
A licensed agent who has completed the FSRA-approved Private Mortgages Course. Level 2 agents can do everything a Level 1 agent does, plus arrange mortgages with private lenders, mortgage investment corporations (MICs), syndicates, and individual investors. If your career moves toward private lending or alternative financing — which is a major and growing segment of the Ontario market — you will eventually need Level 2.
Mortgage Broker
The most senior licence class. To become a broker, you must have held a Mortgage Agent Level 2 licence for at least 24 of the previous 36 months, and you must complete the FSRA-approved Mortgage Broker Course. Brokers can do everything a Level 2 agent does, plus supervise other agents and serve as the Principal Broker (the compliance-responsible individual) of a brokerage.
For the rest of this guide, when we say “mortgage agent” without qualification, we mean Level 1 — because that is where almost every career begins.
Who qualifies: FSRA eligibility requirements
FSRA sets clear eligibility criteria for mortgage agent licensing. To qualify for a Mortgage Agent Level 1 licence, you must:
- Be at least 18 years of age.
- Be a resident of Canada.
- Have a mailing address in Ontario that can receive registered mail (a P.O. box does not qualify).
- Be authorized by, and working for, a single licensed Ontario mortgage brokerage. You cannot work for more than one brokerage at a time.
- Have a valid email address on file with FSRA.
- Successfully complete an FSRA-approved Mortgage Agent Level 1 education program.
- Apply for your licence within two years of completing the approved course.
- Pass a criminal background check, conducted through FSRA’s approved vendor Triton Canada.
- Meet FSRA’s “suitability” requirements — this means being of good character, having disclosed any bankruptcies, criminal history, or prior regulatory issues, and not being engaged in any other occupation that would jeopardize your integrity as a mortgage agent.
You do not need to be a Canadian citizen — permanent residents and others legally resident in Canada qualify, provided they meet the other criteria. You do not need a university degree; while the Mortgage Agent Course recommends high school level English (or French) and math, there is no formal educational prerequisite.
Step-by-step: how to become a licensed mortgage agent in Ontario
The licensing process has six steps. Most people complete the full process in 8 to 14 weeks from the day they start the course to the day they receive their licence.
- Enrol in and complete an FSRA-approved Mortgage Agent Level 1 Course.
- Pass the course’s final exam (required for your certificate of completion).
- Find a sponsoring mortgage brokerage that will hire or authorize you.
- Complete a criminal background check through FSRA’s approved vendor, Triton.
- Submit your licence application through Licensing Link — initiated by your sponsoring brokerage’s Principal Broker.
- Receive your licence from FSRA and begin working as a licensed mortgage agent.
Each step has specific requirements we will cover in detail below. The critical sequencing point to understand: you must complete the course before you can apply for a licence, and you must have a sponsoring brokerage before your application can be submitted. You can search for a brokerage while you are still taking the course — and many students do.
Education: the Mortgage Agent Level 1 Course
FSRA authorizes several education providers to deliver the Mortgage Agent Level 1 Course. All approved courses follow the same curriculum and competency standards set by the Mortgage Broker Regulator’s Council of Canada (MBRCC), but providers differ in format, cost, instructor quality, textbook, and student support.
What the course covers
The Mortgage Agent Level 1 Course is designed to take approximately 40 to 47 hours to complete. The curriculum spans every critical aspect of the mortgage process in Ontario. REMIC’s course, based on the textbook Mortgage Brokering in Ontario — Agent Edition, covers 23 chapters including:
- Market overview and the Ontario mortgage industry
- Basic and advanced mortgage concepts
- Property ownership in Ontario
- Regulation and legislation (MBLAA, FSRA rules, standards of practice)
- The mortgage transaction, start to finish
- Insurance in the mortgage industry
- Calculating mortgage payments
- Client acquisition, first contact, and the initial consultation
- Application analysis — documents, ratios, credit, and the property
- Choosing the lender and submitting the application
- Borrower disclosure and closing the transaction
- Contract law, mortgage remedies, mortgage fraud, and ethics
Course formats available
Most students choose between three formats based on learning style and schedule:
- Online / self-paced. The most flexible option. You complete the course on your own schedule, with up to six months of access. Best for working professionals transitioning into mortgage or for self-motivated learners.
- Live webcast. A scheduled instructor-led course delivered online. Most providers offer multiple schedule options — full-time Monday-to-Friday, five Sundays, or weeknight evenings. Best for learners who want live interaction without the commute.
- In-class. A traditional five-day classroom course. Best for learners who benefit from face-to-face instruction and peer discussion.
The final exam
Every FSRA-approved course ends with a proctored final exam. Formats and pass marks are set by FSRA and are consistent across providers:
- Format: multiple choice, with case-study-based questions.
- Length: 3 hours.
- Questions: typically 50.
- Passing grade: 60%.
- Attempts: two (first free, rewrite available for a fee if you fail on the first attempt).
- Delivery: online proctored, or in-person where available.
If you pass the exam, you receive a certificate of completion. This certificate is valid for two years — you must apply for your mortgage agent licence within two years of passing the exam, or you will need to retake the course.
The licensing application through FSRA
Once you have completed the course and found a sponsoring brokerage, the licensing application itself is straightforward but involves several parties and specific steps.
The application process
All mortgage agent licence applications are submitted through FSRA’s online portal, Licensing Link. The Principal Broker of your sponsoring brokerage initiates the application — you cannot submit it yourself. Here is what happens:
- Your sponsoring brokerage’s Principal Broker logs into Licensing Link and starts your application.
- You receive an email with two links. The first directs you to Triton Canada to complete your mandatory criminal background check ($19.15 fee, valid for 90 days).
- After completing the background check, you return to the email and use the second link to complete your application on FSRA’s website.
- You provide personal information, employment history, disclosures regarding bankruptcies or prior regulatory matters, and confirm your eligibility.
- Your completed application returns to your sponsoring brokerage, where the Principal Broker reviews it and submits it to FSRA along with the licensing fee.
- FSRA reviews the application. Processing typically takes approximately 20 business days, though volumes can extend this — especially leading up to the March 31 renewal deadline.
What happens after you are licensed
Once FSRA approves your application, your licence becomes active and you are authorized to deal in mortgages in Ontario under the supervision of your sponsoring brokerage. Your licence will show on FSRA’s public registry, and it will expire on March 31 of the next even-numbered year (for example, a licence issued in 2026 expires March 31, 2028).
What it costs to become a mortgage agent in Ontario
One of the major advantages of mortgage agent licensing compared to other financial services careers is how accessible the cost is. Total out-of-pocket investment is typically under $1,500, and the bulk of that is course tuition — which is tax-deductible.
Cost breakdown (as of 2026)
| Cost | Amount (CAD) | Paid to |
| Mortgage Agent Level 1 Course tuition (online) | $338 – $385 | Course provider (e.g. REMIC) |
| Mortgage Agent Level 1 Course tuition (in-class) | $445 | Course provider |
| Criminal background check (Triton) | $19.15 | Triton Canada |
| FSRA new licence fee | $941 | FSRA (paid via brokerage) |
| Subtotal (approximate) | $1,300 – $1,420 |
Course tuition varies by provider. REMIC’s 2026 pricing ranges from $338 for the online self-paced course to $445 for the in-class version, and includes the printed textbook, online learning resources, and the final exam.
The FSRA licensing fee of $941 is prorated based on when in the fiscal year your application is submitted. FSRA’s fiscal year runs April 1 to March 31, so a licence issued partway through the year will be prorated accordingly.
Tax deductibility
Mortgage agent course tuition is eligible for tax credits in Canada. REMIC is certified by the Government of Canada as an approved educational institution, which means course fees qualify for:
- Tuition tax credit (standard non-refundable credit on federal and Ontario taxes).
- Canada Training Credit (CTC) — eligible Canadians between 26 and 65 can claim a 50% refund on qualifying tuition fees, up to their accumulated CTC limit. Check your CRA My Account for your personal CTC balance.
T2202A tax receipts are issued in February for the previous calendar year’s tuition. Work with your accountant or tax preparer to apply these credits correctly.
Costs brokerages may or may not cover
Some brokerages reimburse new agents for course tuition or the FSRA licensing fee once the agent is active and producing. Others do not. When you are interviewing sponsoring brokerages, this is a reasonable question to ask — along with errors and omissions insurance (which is the brokerage’s responsibility to carry), technology costs, desk fees, and commission splits.
How long the full process takes
From the moment you decide to start to the moment you are licensed, expect roughly 8 to 14 weeks. Here is a realistic timeline:
| Stage | Time required |
| Course completion (online, self-paced) | 1 to 12 weeks, depending on your pace |
| Course completion (in-class or webcast) | 1 to 5 weeks, fixed schedule |
| Final exam (scheduling + writing + grading) | 3 to 10 days |
| Finding and being hired by a sponsoring brokerage | 1 to 6 weeks (many students do this in parallel with course) |
| Criminal background check (Triton) | 1 to 5 business days |
| FSRA application processing | Approximately 20 business days |
The single biggest variable is how quickly you find a sponsoring brokerage. If you start searching for sponsorship while you are still in the course (rather than waiting until after you pass), you can compress the overall timeline significantly.
Choosing a sponsoring brokerage
FSRA requires every mortgage agent to be sponsored by — and working for — a single licensed mortgage brokerage. Your choice of sponsoring brokerage shapes your first year of practice as much as the course itself. Here is what to look at:
What to evaluate
- Commission split. New agents typically start with a 50/50 to 70/30 split in their favour; more experienced producers negotiate 85/15 or higher. Ask specifically how the split changes with production volume.
- Mentorship and training. Your first few deals are the hardest. A brokerage that invests in formal mentorship — pairing you with an experienced broker, providing deal-review sessions, or offering in-house training — is worth a lower split.
- Lead generation. Some brokerages provide leads to new agents; others expect you to build your own book. Understand which model applies before you sign.
- Lender access. Brokerages with broad lender rosters give you more options for your clients. Ask how many prime, alternative, and private lenders they have relationships with.
- Modern deal management platforms, CRM systems, and underwriting tools save massive amounts of time. Ask to see what you will actually use day-to-day.
- Compliance support. A strong Principal Broker who reviews your deals protects you from regulatory risk in your early years.
- Reputation and culture. Meet several agents at the brokerage before committing. Are they long-tenured? Do they speak well of the leadership?
Where to find a sponsoring brokerage
Most REMIC graduates find their sponsoring brokerage through one of these channels:
- The REMIC Job Bank — a free service connecting REMIC graduates with brokerages actively hiring.
- Direct outreach to brokerages in your area, either by phone or in person.
- Industry events — Mortgage Professionals Canada conferences, regional meetings, and brokerage open houses.
- Referrals from mortgage agents you already know.
- LinkedIn and job boards (Indeed, Workopolis) — though the quality of listings varies.
What mortgage agents actually earn
Mortgage agent income is variable and commission-based, which means the honest answer to “what do mortgage agents make?” is “it depends heavily on how much work you put in.” What is fair to say is that the income potential is substantial, with no ceiling for strong producers — while first-year income is often modest as agents build their pipeline.
How commissions work
On a standard residential mortgage closed with an A-lender (bank, credit union, or monoline), the lender pays a finder’s fee to the brokerage, typically between 65 and 120 basis points of the mortgage amount depending on the lender and the mortgage term. So on a $500,000 five-year fixed mortgage paying 100 basis points, the brokerage earns $5,000.
That finder’s fee is then split between the brokerage and the agent according to your commission split agreement. On a 70/30 split favouring the agent, the agent earns $3,500 on that deal — before any taxes, HST, or desk fees.
Private mortgages and alternative lending deals typically pay higher commissions to compensate for the additional complexity and risk, but also require more work per deal and a Level 2 licence.
Realistic income ranges
Based on Canadian industry data and REMIC’s direct experience with thousands of graduates:
- First-year agents who commit full-time and build consistently typically earn between $30,000 and $75,000.
- Established agents with 3–5 years of experience and a solid referral base commonly earn between $75,000 and $150,000.
- Top producers — the agents running their own teams, dominating a local market, or specializing in high-volume niches — earn $250,000 to well over $500,000 per year.
- Part-time agents (those combining mortgage work with another career) earn substantially less and often take longer to build a sustainable book.
The honest truth about mortgage agent income is that it rewards consistency, referral-building, and client service. It is not a get-rich-quick career — but for people willing to build a business over 2 to 5 years, it offers income ceilings most salaried careers never reach.
What your first year as a mortgage agent looks like
Knowing what to expect in your first 12 months helps you set realistic goals and avoid the discouragement that causes some new agents to leave the industry before they have given it a fair chance.
Months 1–3: Foundation
You are licensed. You have joined a brokerage. Now the real learning begins. This is when you are shadowing experienced agents, learning the brokerage’s submission processes, getting familiar with lender guidelines, and starting to reach out to your own network to let people know what you do. Most agents do not close a deal in their first month, and some take 60 to 90 days to close their first. That is normal.
Months 4–6: Building the pipeline
You are starting to get enough at-bats that deals begin closing. You are refining your process — how you consult with clients, how you submit to lenders, how you communicate with realtors and lawyers. By month six, a committed full-time agent typically has 2–5 closed deals and a pipeline of several more in process.
Months 7–12: Momentum
Referrals from your first closed deals start coming back. Realtor relationships you built in months 1–6 start producing. If you have been consistent in your marketing — whether that is social media content, client events, or simply persistent follow-up with past clients — this is when compounding starts to show. Many agents who had modest first six months find their income accelerates meaningfully in months 7–12.
What distinguishes agents who succeed
- They treat it as a business from day one, not a job. They track leads, follow up systematically, and invest in their skills.
- They build a personal brand. In 2026, this means being visible and credible on the platforms where Canadian homeowners actually look for financial advice — LinkedIn, Instagram, YouTube, and increasingly, AI search.
- They are disciplined about continuing education. FSRA requires CE; the best agents go well beyond it.
- They choose their brokerage carefully and are willing to move if the fit is wrong.
REMIC’s Finfluence Formula — a free starter course on building an online presence as a mortgage or insurance professional — is specifically designed for this stage of the career. remic.ca/formula/
Is mortgage brokering the right career for you?
After 30 years in mortgage education, I will tell you honestly: mortgage brokering is not for everyone. Here is who tends to thrive in this career, and who tends to struggle.
You are likely to thrive if:
- You are comfortable with commission-based income and willing to ride out a slower first 6–12 months.
- You are willing to build a client base through relationship and referral work — this is fundamentally a trust business.
- You enjoy financial problem-solving. Every client is a puzzle: income, credit, property, goals.
- You have patience. Deals take weeks; careers take years.
- You are coachable — willing to learn from mentors, adapt your approach, and improve continuously.
You are likely to struggle if:
- You need a consistent salary from day one and cannot weather income volatility in the early months.
- You are uncomfortable with sales or networking. Every successful mortgage agent is, to some extent, running a sales-and-marketing operation.
- You want a career where the rules never change. Canadian mortgage rules — stress tests, qualifying rates, insurance guidelines, FSRA rules — change regularly, and you need to keep up.
- You are unwilling to do the compliance and paperwork well. Sloppy agents lose their licence; diligent ones build lasting careers.
The good news: these are all traits you can develop, and the education and support you get in your first year will help you build them. The decision that matters most is whether you are genuinely interested in the work — because the people who build great careers in this industry are, without exception, people who find the work itself satisfying.
Continuing education and licence renewal
Once licensed, you must renew your licence every two years, by March 31 of every even-numbered year (2026, 2028, 2030, and so on). Renewal is initiated by your brokerage’s Principal Broker through Licensing Link and requires you to have completed FSRA’s continuing education (CE) requirements for the preceding two-year cycle.
The 2026 CE requirement
FSRA substantially updated the CE framework for the 2024–2026 cycle, and these new requirements apply starting with the March 31, 2026 renewal. For Mortgage Agent Level 1 licensees, the requirement is now made up of two components:
- Conduct CE: A mandatory 5-hour Conduct course covering ethics, fraud, suitability, and cybersecurity. This must be taken from an FSRA-accredited provider, and the provider reports completion directly to FSRA on your behalf.
- Professional / Technical CE: 10 additional hours of professional development covering technical mortgage brokering topics. You choose the courses, but they must address FSRA-eligible topics. You are responsible for keeping your completion records for four years in case of audit.
Total requirement: 15 hours of CE every two years, with the mandatory Conduct course plus 10 hours of agent-selected professional development. Missing the CE deadline means your licence will expire on March 31 — and reinstating an expired licence is more difficult and expensive than renewing on time.
Upgrading to Level 2 and Broker
Your Mortgage Agent Level 1 licence is the starting point, not the destination. Most successful mortgage professionals upgrade over time to access more of the market.
Upgrading to Mortgage Agent Level 2
To upgrade from Level 1 to Level 2, you must complete an FSRA-approved Private Mortgages Course. There is no minimum experience requirement — you can take the course any time after receiving your Level 1 licence. Once you complete the course and pass the exam, your brokerage initiates the upgrade application through Licensing Link. There is no upgrade fee if you are upgrading within an existing licence term.
Most agents upgrade to Level 2 within their first 1–2 years in the industry, as soon as they encounter client scenarios that require private lending options. Level 2 is particularly valuable if your market includes self-employed borrowers, credit-challenged borrowers, investment property financing, or any scenario that A-lenders will not fund.
Upgrading to Mortgage Broker
To become a licensed Mortgage Broker, you must:
- Have held a Mortgage Agent Level 2 licence for at least 24 of the last 36 months.
- Successfully complete an FSRA-approved Mortgage Broker Course.
- Meet all other licensing requirements (suitability, good character, etc.).
- Have your brokerage initiate your upgrade application through Licensing Link.
There is no fee to upgrade from Level 2 to Broker if you already hold an active Level 2 licence. The Broker licence is typically pursued by agents planning to supervise others, open their own brokerage, or serve as a Principal Broker.
If you are already licensed in another province
Mortgage licensing in Canada is provincial, which means a licence from British Columbia, Alberta, Manitoba, or any other province does not automatically allow you to practice in Ontario. However, if you hold an active licence in another province, you can fast-track into Ontario through FSRA’s Ontario Equivalency pathway.
The Ontario Mortgage Licensing Equivalency Course covers the Ontario-specific elements — MBLAA, FSRA rules, standards of practice, and the provincial regulatory framework — that differ from other jurisdictions. The course is approximately 2 hours, followed by a 30-minute exam of 20 multiple-choice questions requiring a 70% passing grade.
Once you pass, you can apply for an Ontario mortgage licence in the appropriate class (Level 1, Level 2, or Broker), with your out-of-province experience recognized toward the time-in-role requirements.
Frequently asked questions
Do I need a university degree to become a mortgage agent in Ontario?
No. There is no degree requirement. FSRA recommends a high school level of English (or French) and math proficiency, but no formal educational credentials are required to enrol in the course or to hold a mortgage agent licence.
How old do I need to be?
18 years of age, and you must be a resident of Canada with an Ontario mailing address.
Can I get licensed with a criminal record?
It depends on the nature and timing of the offence. FSRA evaluates suitability on a case-by-case basis. Minor offences from the distant past may not disqualify you; serious offences, fraud, or offences related to financial services typically will. Disclose everything truthfully on your application — failure to disclose is worse than the offence itself. If you are uncertain, consult a regulatory lawyer before applying.
Can I get licensed with bad credit or a past bankruptcy?
Yes, in many cases. FSRA requires disclosure of past bankruptcies, consumer proposals, or significant credit issues, and evaluates suitability holistically. A past bankruptcy is not an automatic disqualification, particularly if it was years ago and you have demonstrated financial responsibility since.
Do I need to pay for errors and omissions (E&O) insurance?
No. FSRA requires brokerages to carry E&O insurance that covers all their licensed agents. You should not have to personally purchase E&O insurance, though you should confirm coverage details with your sponsoring brokerage.
How hard is the mortgage agent exam?
The exam is challenging but passable for students who commit to the coursework. The passing grade is 60%, and REMIC’s students pass at a rate of approximately 94%. The exam uses case-study-based multiple choice questions that test understanding, not just memorization — so working through the practice exams and assignments is important preparation.
What happens if I fail the exam?
You are entitled to one rewrite, typically for a fee. If you fail the rewrite, FSRA requires you to re-enrol in the course and pay full tuition again. Most students who fail the first attempt pass the rewrite, particularly if they use the exam review report to identify and study the specific topics they missed.
Can I work for more than one brokerage?
No. FSRA rules require that a licensed mortgage agent work for only one brokerage at a time. You can change brokerages (this is called a transfer), but you cannot be sponsored by multiple brokerages simultaneously.
How long is my course certificate valid?
Two years. You must apply for your mortgage agent licence within two years of successfully completing the approved course. After two years, the certificate expires and you must retake the course to qualify for licensing.
Is there a difference between an agent and a broker’s earning potential?
In practice, experienced agents can earn as much as or more than many brokers on a per-deal basis — the broker designation is primarily about authority (ability to supervise others, serve as Principal Broker) and access to private lending channels. Many top producers in Ontario hold Broker or Level 2 licences; many also remain Level 1 agents indefinitely and earn substantial incomes.
Is mortgage brokering recession-proof?
No career is recession-proof, but mortgage brokering has proven resilient through multiple Canadian economic cycles. Transaction volumes vary — rising rates tend to reduce purchase activity but increase refinance and renewal demand, and falling rates tend to stimulate purchases. Experienced agents diversify their business across purchase, refinance, renewal, and investment-property work to smooth out market cycles.
Can I do this part-time while keeping my current job?
Yes, but with caveats. FSRA requires that you hold yourself out as a mortgage agent in the name in which you are licensed, and that any other occupation you pursue does not jeopardize your integrity, independence, or competence as a mortgage agent. Part-time agents do exist, but most successful mortgage careers require full-time commitment to build a sustainable client base.
Can I become a mortgage agent if I am new to Canada?
Yes, provided you are a legal resident of Canada with an Ontario mailing address, and you meet the other FSRA eligibility requirements. Many successful Ontario mortgage agents built their careers after immigrating to Canada — often serving clients in their own cultural and linguistic communities, where their language skills and cultural understanding are significant competitive advantages.
Ready to get started?
REMIC has trained more mortgage agents in Canada than any other education provider — more than 90,000 students and counting. Our Mortgage Agent Level 1 Course is FSRA-approved, available online, in live webcast format, and in-class at our North York campus, with new cohorts starting every week.
If you are ready to begin, enrol in the Mortgage Agent Course. If you have questions about whether this is the right career for you, or which format fits your schedule, our team is available by phone, email, or live chat — and we are happy to help you think through the decision with no pressure.
Explore course options: remic.ca/mortgage-agent-course/
Questions? Call 877-447-3642 or email support@remic.ca
About the author
Joe White is the President and CEO of REMIC, Canada’s largest mortgage and insurance education company. He has spent more than 30 years in Canadian mortgage education, is an inductee of the Canadian Mortgage Hall of Fame, and is the author of Mortgage Brokering in Ontario — the textbook used by tens of thousands of Canadian mortgage professionals, now in its 16th edition. REMIC received the Industry Service Provider of the Year award at the 2024 Canadian Mortgage Awards.