ONTARIO

Join a mortgage brokerage in Brampton

Brampton has the highest mortgage delinquency rate of any major market in Canada, which means renewal and alternative lending volume brokers elsewhere never see.

Official sources: Financial Services Regulatory Authority of Ontario (FSRA), Toronto Regional Real Estate Board, Statistics Canada, 2021 Census of Population, Equifax Canada market pulse

Part of our Ontario network. See the Ontario overview.

A.I.M.I. Collective Mortgage Group is licensed by FSRA across Ontario and works with brokers in Brampton. Brampton has the highest mortgage delinquency rate of any major market in Canada, which means renewal and alternative lending volume brokers elsewhere never see.

If you are looking at mortgage broker jobs in Brampton, weighing up becoming a mortgage broker in Brampton, or thinking about switching brokerages, this page covers what the local market looks like and what changes when you move.

Brampton in numbers

Local board

Toronto Regional Real Estate Board

Prices

Average across all home types, July 2026: $886,606.

The highest mortgage delinquency rate in Canada

Brampton recorded a 0.60% 90+ day mortgage delinquency rate in Q4 2025 per Equifax Canada, against a 0.24% national average, 0.29% in Toronto and 0.16% in Ottawa Gatineau. It was 0.06% in Q4 2019. 52.9% of residents are immigrants.

Population

656,480 (2021 Census)

What a broker's book looks like in Brampton

Brampton carries the highest mortgage delinquency rate of any major Canadian market, and that shapes the work. Renewals under pressure, refinances to consolidate debt and alternative lending for borrowers who no longer fit a bank make up a large share of broker volume.

It is also a multigenerational, newcomer heavy city. Families pooling several incomes to buy one home, self employed drivers and logistics operators, and down payments assembled from family all need a broker who can structure a file carefully.

Where the files come from

Renewals and refinances under payment pressure
Alternative and private lending for borrowers outside bank rules
Multigenerational purchases with several co borrowers
Self employed transport and logistics income

What changes when you join from Brampton

Direct submission to 100+ A, B, private and alternative lenders under Dominion Lending Centres
Top tier lender status on every file from day one, with a split that reflects your volume
Deal Desk underwriting support on commercial, B and alternative files in exchange for a commission split
Compliance, payroll and deal processing handled, plus a broker portal built for the work
Weekly lender training, one on one mentorship and private lending matchmaking events

Licensing in Ontario

FSRA regulates mortgage brokering in Ontario. Licences renew annually and expire on 31 March, and continuing education runs on a two year cycle falling in even numbered years, split into Conduct CE and Professional CE. FSRA will not renew a licence without it. Current as of 24 September 2026.

Common questions

What licence do I need to work as a mortgage broker in Brampton?

FSRA licenses mortgage brokering in Ontario. We onboard licensed agents and brokers; we do not put unlicensed applicants through initial licensing.

Do I keep my own clients and my own brand?

Yes. Your book is yours and you keep your personal brand and website. We add co branded marketing systems, video production support and campaign templates on top.

Is there support for renewals and files that no longer qualify?

Yes. Our Deal Desk takes B, alternative and commercial files for a commission split, and we run private lending matchmaking events that put brokers in front of lenders directly.

Is there support for Brampton files that no longer qualify with a bank?

Yes. You get direct access to B, private and alternative lenders and our Deal Desk to structure the file, including short term solutions while a client rebuilds credit.

Thinking about a move in Brampton?

A discovery call is a conversation about your book, your pipeline and what the numbers would look like. No obligation either way.

Book a discovery call

In Ontario

Other cities where our brokers work

Mortgage brokerage in Ontario

Licensing, lender access and how A.I.M.I. Collective supports brokers across the province.

Read the province guide