ONTARIO

Join a mortgage brokerage in Toronto

Toronto is the largest brokerage market in Canada and the one changing fastest, with pre construction volume down almost two thirds from its peak.

A.I.M.I. Collective Mortgage Group is licensed by FSRA across Ontario and works with brokers in Toronto. Toronto is the largest brokerage market in Canada and the one changing fastest, with pre construction volume down almost two thirds from its peak.

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

Toronto in numbers

Local board

Toronto Regional Real Estate Board

Prices

City of Toronto average across all home types, July 2026: $1,010,836. The GTA wide average was $993,410 in August 2026, down 2.7% year over year, with the MLS HPI composite down 4.5%.

A pre construction pipeline in retreat

Urbanation put the GTHA pre construction pipeline at 48,710 units in Q2 2026, down 37% year over year and down 62% from the 2022 peak of roughly 127,000, with a record 5,001 completed unsold developer units. Toronto's 90+ day mortgage delinquency was 0.29% in Q4 2025, up 45% year over year.

Population

2,794,356 (2021 Census)

What changes when you join from Toronto

  • 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 3 September 2026.

Common questions

What licence do I need to work as a mortgage broker in Toronto?
FSRA licenses mortgage brokering in Ontario. We sponsor 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 I need an Ontario licence to join?
Yes. Ontario mortgage agents and brokers are licensed by FSRA, and we sponsor licensed agents and brokers rather than train unlicensed applicants from scratch.

Thinking about a move in Toronto?

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