You already know how to fund a mortgage. What changes is who you can fund it with, how you are paid and whose licence you work under.
Written by A.I.M.I. Collective Mortgage Group, Brokerage editorial team
Published September 2026 · Last reviewed 11 September 2026
Bank mobile mortgage specialists are the largest pool of future brokers in the country and the least written about. You carry the client skills, the underwriting instinct and often a book of past clients. What you do not carry is a licence, because inside a bank you work under the bank's exemption. Here is what actually changes when you move.
You need a provincial licence before you can arrange a mortgage for anyone. See our step by step guides for BC, Alberta and Ontario. The course can be done while you are still employed.
Salary plus bonus becomes commission on funded volume. The upside is uncapped, the first months are lean. Our income guide shows the math.
One product shelf becomes A, B and private lenders. Files you used to decline become files you place, and clients you lost to rate become clients you keep.
Your past clients are the fastest route to volume, but most bank contracts carry non solicitation clauses. Read yours before you resign, not after.
Bank employment agreements commonly restrict contacting former clients for a period after you leave. Get the clause in front of a lawyer before you make a plan that depends on your old book.
Answer four quick questions and we will email you the three guides that fit where you are today.
Take the licensing course while employed. Secure your brokerage while the course is finishing, since the licence application in every province runs through a sponsoring brokerage. Resign once the licence is issued, so the gap between your last bank pay and your first funded file is as short as possible. A.I.M.I. Collective onboards brokers once they are licensed, so book the call as your exam date approaches. Bring your renewal calendar with you in your head, because clients whose terms end in the next twelve months are the ones you can help first.
The conversation is confidential and nothing is said to your employer. Clients you originate as a broker are yours, including the renewal and the referral. The client list you built at the bank stays at the bank, and we will not ask you for it. What we carry is the licensing paperwork, the lender registrations and the first hard files while you learn where they go.
Salary, bonus, pension and benefits against commission, split, book value and expenses: the honest economics of moving from the bank to a brokerage.
Non solicit clauses, privacy law and the client list that cannot leave with you: what a banker turned broker can and cannot do with existing relationships.
Nine steps from the bank to a brokered book: licence, brokerage, orientation, plan, network, first file, book, specialty, scale, and the support at each.
Commercial bankers are closer to a commercial brokerage book than any new broker: the clients, the analysis and the language are there. What changes.
A.I.M.I. Collective has onboarded brokers from the major banks and credit unions in all three provinces. Book a call and we will map the licensing, the timing and the first ninety days.