ONTARIO

Join a mortgage brokerage in Kitchener

Kitchener is our Ontario home, and the centre of the strongest small tech market in North America.

Official sources: Financial Services Regulatory Authority of Ontario (FSRA), Cornerstone Association of REALTORS, Statistics Canada, 2021 Census of Population, CBRE Scoring Tech Talent 2025

Part of our Ontario network. See the Ontario overview.

A.I.M.I. Collective Mortgage Group is based in Kitchener and licensed by FSRA across Ontario. Kitchener is our Ontario home, and the centre of the strongest small tech market in North America.

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

Kitchener in numbers

Local board

Cornerstone Association of REALTORS, Waterloo Region

Prices

MLS HPI composite benchmark, July 2026: $633,300. The board publishes a combined Kitchener Waterloo benchmark rather than a Kitchener only figure.

A tech income base

Waterloo Region ranks first among North America's small tech markets and seventh overall, with 11.7% of the workforce in tech roles and 58.2% growth between 2021 and 2024, per CBRE's Scoring Tech Talent 2025. Stock compensation and variable income show up on a lot of files here.

Population

256,885 (2021 Census)

What a broker's book looks like in Kitchener

Kitchener is home to our Ontario office, and its files reflect a tech economy. Restricted stock units, signing bonuses and variable pay show up constantly, and every lender treats them differently. A broker who knows which lenders count vested stock and which ignore it wins these clients.

The region also pulls buyers from the GTA who want more house for the money, and a steady stream of newcomers drawn by the tech sector and the universities. Both bring down payments from outside the usual pattern: equity from a GTA sale, or funds from abroad.

Where the files come from

  • Tech salaries with stock compensation and variable pay
  • Buyers moving from the GTA with equity from a sale
  • Newcomers working in tech and at the universities
  • Investor purchases near Conestoga and the Waterloo campuses

What changes when you join from Kitchener

  • 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 Kitchener?
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 the A.I.M.I. Collective office in Kitchener?
Yes. Kitchener is our Ontario office, alongside our head office in Surrey, British Columbia.
Where is the A.I.M.I. Collective Ontario office?
In Kitchener, in the Waterloo Region. Our Ontario team is led from here by Principal Mortgage Broker Tracy Valko, with brokers across Ontario working remotely.

Further reading

Thinking about a move in Kitchener?

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

Guides for brokers in Ontario

How to become a Level 2 mortgage agent in Ontario

Upgrade from Level 1 to Level 2 in Ontario: 12 months licensed, the Private Mortgages Course, no FSRA fee, and what Level 2 lets you do.

How to check a mortgage broker or agent licence in Ontario, BC and Alberta

Look up any mortgage agent or broker licence in Ontario, BC or Alberta. Direct links to each free regulator search and what to check before you sign.

The Ontario mortgage market in 2026: what it means for brokers

GTA sales, prices, new condo and low rise sales, renewals and closing gaps in 2026, and how Ontario mortgage brokers are adjusting their books.

Mortgage broker courses compared: BC, Alberta and Ontario

The mortgage broker course in BC, Alberta and Ontario side by side: cost, hours, exams, the step after the course and whether a licence transfers.