Lender updates, market context and practical guidance from the A.I.M.I. Collective team.
The Mortgage Services Act took effect on 13 October 2026. What changes for BC brokers and brokerages, and a day one checklist for this week.
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The Bank of Canada has held at 2.25 percent all year, but five year bond yields jumped in September and sub 4 percent fixed rates are gone. What that means for the clients renewing with you before year end.
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Licence renewals in three provinces, CPP and RRSP numbers for the self employed, GST on commissions, FINTRAC reviews and the 2027 renewals already in your book. Everything worth doing before 31 December.
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Alberta has about 3,760 mortgage licensees, cheaper homes than BC or Ontario and a regulator that is rewriting its rules. What to compare before you move your licence, and how a RECA transfer actually works.
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A client the banks will not approve is not a single kind of file. How B lenders, mortgage investment corporations and private individual lenders differ on rate, speed, fees and risk, and how to choose between them.
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Around 1.15 million Canadian mortgages renew in 2026, many of them written at rates under 2 percent. Here is how brokers turn the renewal wave into funded files instead of watching the banks keep them.
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Two realtors, a financial planner and a lawyer who send you everything is a $15 million a year channel. Here is how brokers actually build it, week by week, without buying leads.
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BC brokers who move brokerages this fall are moving across a regulatory line. What changes when the Mortgage Services Act takes effect, and how to time a switch so nothing lapses.
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How mortgage licensing differs across BC, Alberta and Ontario: BCFSA's Mortgage Services Act transition and the September 22 2026 deadline, Alberta's associate and broker classes under RECA, and why Ontario's FSRA levels restrict lender access rather than seniority.
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What Ontario mortgage agents can and cannot do at Level 1 versus Level 2, the FSRA requirements to upgrade, and why the private lending restriction costs more business than most agents expect.
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Twelve direct questions every mortgage broker should ask before choosing a brokerage, covering commission, lender access, support, and culture.
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A plain language explanation of B lending and private lending in Canada: who uses it, how it differs from bank financing, and why it matters for mortgage brokers.
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A realistic 90 day plan for a newly licensed mortgage broker in BC, Alberta or Ontario building a client pipeline from zero, covering foundation, outreach, and habits that build a referral based business.
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The Mortgage Services Act introduces Personal Mortgage Corporations for BC brokers. What a PMC is, who qualifies, and the questions to settle with your accountant before October 13, 2026.
Read articleThe BCFSA transition deadline passed on 22 September. What happens if you missed it, and what to do before the Mortgage Services Act starts on 13 October.
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