You file a change of employment with BCFSA and the new brokerage confirms it. Your registration is yours; the brokerage you are attached to is the part that changes.
In British Columbia a submortgage broker is registered to work for a brokerage, so moving is a change of employment filed with the BC Financial Services Authority rather than a fresh registration. You keep your registration and your education; what changes is the brokerage named against it.
The filing goes to BCFSA and the incoming brokerage confirms the engagement, which in practice means their licensing administrator runs it with you. Your outgoing brokerage has its own notification obligation. None of it requires you to requalify.
Note the moving target. The Mortgage Services Act takes effect on 13 October 2026 and changes registration categories and some processes in BC, so confirm the current requirement with BCFSA rather than relying on how a colleague did it last year. Our guide on what changes for BC brokers covers the shift.
The part that costs brokers money is never the form. It is giving notice before the live files are mapped, or waiting until the registration lands before starting lender registrations under the new brokerage. Run those in parallel and a move costs a few days of administration and no files.
A transfer here is planned around your pipeline, not ours. We map every live file with you, run the licence transfer and the lender registrations in parallel, and line up the first hard file for the Deal Desk so your first week is a funded file rather than a form. Clients you originate are yours, including the renewal and the referral, and that is written down.
The full sequence, province by province.
Transfer your mortgage licence to a new brokerageThe eight reasons mortgage brokers switch brokerages, what each one costs, and the questions that tell you whether the next brokerage has fixed it.
Six things that decide whether a new mortgage agent funds files in year one: training, a mentor, lender status, underwriting support and a 90 day plan.
Ten brand names, three parent companies. Who owns what in Canada's mortgage brokerage networks and how that changes the way you read a recruiting pitch.
Bring your questions to a discovery call and a broker owner will answer them directly.