Most new agents leave the industry inside two years, and the brokerage they picked is usually the reason. Here is what to check before you sign.
Written by A.I.M.I. Collective Mortgage Group, Brokerage editorial team
Published September 2026 · Last reviewed 5 October 2026
A new mortgage agent does not fail because the licence was hard. They fail because the first six months had no structure: no one to call at 9pm with a file, no lender status behind their submissions, no admin to take the paperwork off them. The best mortgage brokerage for a new agent is the one that closes those gaps, and it is easy to test for.
Pick a brokerage on six things before the split: weekly training, a named mentor, top tier lender status on your files, an underwriting desk for hard files, admin support and a written first 90 days plan. A first funded deal commonly takes two to four months from licence, and the right support shortens that.
Ask what happens every week, not what happened at onboarding. A.I.M.I. Collective runs weekly lender training with the people who actually underwrite the files.
One person whose job includes your first twenty files. Not a group chat. We pair every new broker with a mentor one on one.
Your file sits in the same queue as the brokerage's top producers. Ask whether new agents submit under the brokerage's top tier status. Ours do.
When you hit a file you cannot place, someone structures it with you instead of it dying. Our Deal Desk does this for a share of the commission.
Compliance, payroll and deal processing handled by head office so your time goes to clients.
A written plan for pipeline, referral partners and the first funded file. If a brokerage cannot show you one, it does not have one.
New agents get sold on the split. In year one the split matters less than whether the brokerage gets your first ten files funded. Read our guide to commission splits before you compare offers on that number alone.
Book a confidential call. We will walk you through compensation, lender access and support, with every fee in writing.
200+ brokers across British Columbia, Alberta and Ontario, offices in Surrey and Kitchener, and a founding team that includes brokers ranked in the CMP Top 75 in Canada. New brokers get the same lender panel, the same status and the same Deal Desk as everyone else, plus weekly training and a mentor. Our new brokers page covers the onboarding path, our first 90 days post is the plan, and our commission split guide explains the number recruiters lead with.
Compare us on net, not on split, and ask for the full cost list in writing before you sign anywhere, including here. The broker portal, compliance review, marketing support and payroll processing are included. BrokerDam is a separate paid product at a member rate rather than a bundled CRM. Compensation is top tier and competitive, set against your volume, and we put the number in writing on the call rather than on a web page.
Still comparing listings? Read how mortgage agent jobs in Canada really work, from commission to sponsorship.
Ten brand names, three parent companies. Who owns what in Canada's mortgage brokerage networks and how that changes the way you read a recruiting pitch.
Most recruiting pitches compete on one number. A framework for comparing brokerages on what lands in your account after fees, royalties and lender status.
A recruiting conversation tells you what a brokerage wants to say. Fifteen questions on splits, fees, status, support and exit terms tell you the rest.
What a commission split really means: finder's fees, volume bonuses, splits from 70/30 to 95/5, desk fees, royalties and why the net beats the headline.
Book a call and we will show you the training calendar, the mentor model and what your first 90 days look like at A.I.M.I. Collective.