FSRA Continuing Education · Ontario · 2026–2028
Mortgage CE for Agents & Brokers
Your next CE deadline is March 31, 2028. REMIC's 100% online, self-paced CE opens the moment FSRA confirms approved providers. Join the list and we'll tell you first.
- Conduct CE + 10 Professional hours
- Short video lessons
- Instant certificate
- 20,000+ students trained since 1996
FSRA requirements
How many CE hours do you need?
For the 2026–2028 cycle, FSRA has confirmed the hours below. The detailed topic requirements haven't been published yet; we'll update this page as soon as they are.
Mortgage Agent, Level 1 or 2
5 hrs Conduct CE + 10 hrs Professional CE = 15 hours
Mortgage Broker
7 hrs Conduct CE + 10 hrs Professional CE = 17 hours
Deadline
Complete all CE before you renew your licence.
Where things stand
What happens next
Hours and deadline
15 hours for agents, 17 for brokers, due March 31, 2028.
Approved providers and topics
FSRA is finalizing the approved-provider list and the detailed CE requirements.
REMIC registration opens
Our courses go live as soon as FSRA confirms approval. People on the list hear first.
Be first in line
Get notified when CE registration opens
Leave your details and we'll email you the day REMIC's 2026–2028 Conduct and Professional CE opens.
- One email when registration opens
- Early access before the rush to the March 31, 2028 deadline
- No spam. Unsubscribe anytime
Planned options
Three ways to complete your CE
All three will include the mandatory Conduct CE. The difference is how you earn your 10 Professional hours.
Complete Renewal Bundle
Conduct CE + two Professional courses
- The full requirement in one checkout
- Topics every licensee must know
- Bundle pricing at launch
Practice-Focused Bundle
Conduct CE + courses built around real client files
- Suitability, ethics and complaints, fraud and risk
- Interactive video scenarios
- For agents who work with clients every day
Career-Builder CE
Underwriting or Commercial, from $298
- Learn a skill that wins you more deals
- Live clinics with an instructor
- Start now and get ahead of the deadline
Planned courses
What you'll learn
Each course combines a downloadable PDF manual with short video lessons (about 3 to 5 minutes each), so you can study in small blocks.
Conduct CE
- Business ethics: codes of conduct, conflicts of interest, disclosure
- Mortgage fraud: red flags, reporting, client remediation
- Suitability: regulator expectations, private lending, exit strategies
- Cybersecurity: breach response and reporting
Anti-Money Laundering for the Mortgage Industry
- FINTRAC obligations, record-keeping and reporting
- Recognizing suspicious transactions in mortgage files
- Client due diligence and preventative procedures
Cybersecurity: Threats & How to Protect Your Business
- Phishing, ransomware and data breaches
- Protecting client data on every device
- What to do, and who to notify, after a breach
Suitability & Documentation
- Building a file that proves the recommendation was suitable
- Interactive video scenario: "You Representing?"
- Spotting the warning signs before they become complaints
Professional Ethics & Complaint Resolution
- Handling client complaints the way the regulator expects
- Interactive video scenario: "Who Said What?"
- Discussion: a file under review
Fraud Prevention & Risk Identification
- Today's fraud schemes, including digital identity fraud
- Interactive video scenario: "Digital 'Master of Puppets'?"
- Discussion: is it really a clean application?
Course hours, final topics and prices will be confirmed once FSRA publishes the 2026–2028 requirements and approves providers.
Open now
Get ahead: programs you can start today
Build real skills now, well before the deadline. We'll confirm how each program counts toward your 2026–2028 Professional CE as soon as FSRA publishes the requirements.
| Program | What you'll be able to do | Price | |
|---|---|---|---|
| Underwriting the Borrower Residential Mortgage Underwriting, Part 1 |
Read a file the way a lender does: credit, income, self-employed add-backs, GDS/TDS, gift funds, spousal buyouts. Includes 14 interactive tools. | $298 | Details |
| Underwriting the Property and Deal Residential Mortgage Underwriting, Part 2 |
Appraisals, condos and status certificates, rural and rental properties, new-to-Canada and first-time buyer programs, refinances, construction, bridge and private mortgages. Includes 14 interactive tools. | $348 | Details |
| Underwriting in Practice Residential Mortgage Underwriting, Part 3 |
Documentation standards, fraud and AML red flags, privacy, declines and appeals, default management, mortgage insurance and working with brokers. Includes interactive tools and a case simulation. | $398 | Details |
| Residential Mortgage Underwriting, Full Program Parts 1 to 3 · 44 chapters |
Borrower, property and deal structure, then underwriting in practice. Weekly live clinics and 3 case simulations. | $498 save $546 |
Details |
| Commercial Mortgage Brokering | Income properties, multi-family and construction: NOI, DSCR, CMHC MLI Select, term sheets. Includes a broker toolkit and marketing playbook. | $498 | Details |
How it will work
From sign-up to certificate
Get notified
Join the list and we'll email you the day registration opens.
Register
Instant access to your courses at learn.remic.ca.
Study
Interactive exercises. Stop and start whenever you like.
Certificate
Complete the course and download your certificate.
Your instructor
Joe White, Founder of REMIC
With more than 30 years in the mortgage industry as a National Sales Director, VP of Sales and principal broker, Joe developed Ontario's first mortgage broker education program. He has authored industry manuals used by more than 20 colleges, and was inducted into the Canadian Mortgage Hall of Fame in 2019.
FAQ
Common questions
When is the CE deadline for this cycle?
March 31, 2028. Mortgage agents (Level 1 and 2) need 15 hours and brokers need 17 hours, completed before you renew your licence.
Why can't I register yet?
FSRA hasn't yet finalized the list of approved CE providers or published the detailed CE requirements for the 2026–2028 cycle. REMIC's courses open for registration as soon as FSRA confirms approval. Join the notification list to hear first.
How many hours do I need?
Mortgage agents need 5 hours of Conduct CE and 10 hours of Professional CE. Mortgage brokers need 7 hours of Conduct CE and 10 hours of Professional CE.
What's the difference between Conduct CE and Professional CE?
Conduct CE is mandatory and must come from an FSRA-approved provider. Professional CE makes up the other 10 hours. We'll update this answer when FSRA publishes the detailed requirements for this cycle.
Can I start anything now?
Yes. Our Residential Mortgage Underwriting and Commercial Mortgage Brokering programs are open now. We'll confirm how they count toward your 2026–2028 Professional CE once FSRA publishes the requirements.
Will the courses be online and self-paced?
Yes. All REMIC CE courses are fully online and self-paced, so you can complete them on your own schedule.
Will I receive a certificate?
Yes. After you pass each course's final quiz and complete a short feedback form, you can download your certificate.