BRITISH COLUMBIA

Join a mortgage brokerage in Richmond

Richmond has the highest immigrant population share in Metro Vancouver, which changes the shape of almost every file.

Official sources: BC Financial Services Authority (BCFSA), Greater Vancouver REALTORS, Statistics Canada, 2021 Census of Population, City of Richmond

Part of our British Columbia network. See the British Columbia overview.

A.I.M.I. Collective Mortgage Group is licensed by BCFSA across British Columbia and works with brokers in Richmond. Richmond has the highest immigrant population share in Metro Vancouver, which changes the shape of almost every file.

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

Richmond in numbers

Local board

Greater Vancouver REALTORS

Prices

Benchmark composite, August 2026: $1,025,100, down 7.3% year over year. One of the few Metro Vancouver municipalities GVR reports as a single figure.

The highest newcomer concentration in the region

60.3% of Richmond residents are immigrants, per the City of Richmond citing the 2021 Census, and Richmond takes the fourth largest recent immigrant intake of Metro Vancouver's 17 municipalities.

Population

209,937 (2021 Census)

What a broker's book looks like in Richmond

Richmond files often start outside Canada. Income earned abroad, down payments wired from overseas, new permanent residents and borrowers with a short Canadian credit history are everyday cases, and each lender draws its lines differently on what it will accept.

Rules matter here too. The federal ban on home purchases by non Canadians, extended to 1 January 2027, and BC's own taxes on foreign buyers and vacant homes change who can buy and how a file has to be documented. A broker who knows those rules cold earns trust quickly.

Where the files come from

  • New permanent residents with limited Canadian credit history
  • Down payments and income sourced from abroad
  • Condo and townhome purchases near the Canada Line
  • Business owners with complex income across several companies

What changes when you join from Richmond

  • 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 British Columbia

BCFSA regulates mortgage brokering in British Columbia. From 13 October 2026 the Mortgage Services Act replaces the Mortgage Brokers Act, moving BC from registration to licensing with principal brokers accountable for their brokerages. The transition education deadline for existing registrants was 22 September 2026. Current as of 24 September 2026.

Common questions

What licence do I need to work as a mortgage broker in Richmond?
BCFSA licenses mortgage brokering in British Columbia. 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.
Do you have lenders who handle newcomer and non resident income?
Yes. Our brokers submit directly to 100+ lenders including B and alternative lenders that assess newcomer, foreign income and limited credit history files.
Can a Richmond broker help clients with income earned outside Canada?
Yes, within each lender's rules. Some lenders accept foreign income with translated documents and a larger down payment, others do not. Knowing the difference before submitting is what our Deal Desk is for.

Further reading

Thinking about a move in Richmond?

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 British Columbia

Other cities where our brokers work

Mortgage brokerage in British Columbia

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

Read the province guide

Guides for brokers in British Columbia

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.

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.

Mortgage broker course in BC: how it works in 2026

The BC mortgage broker course in 2026: UBC Sauder's Mortgage Services Licensing Course, $1,500 plus exam, 20 assignments, one exam, then BCFSA licensing.

How to become a mortgage broker in BC

Step by step to a BC mortgage broker licence under the Mortgage Services Act: the UBC Sauder course, the exam, sponsorship and the one year apply window.