Key takeaways
- →A new Mortgage Associate/Broker licence and registration costs $575 total ($475 licensing plus $100 to the Assurance Fund); renewal costs $525 total ($475 plus $50).
- →A new Mortgage Brokerage licence costs $800 total ($450 licensing plus a non-refundable $350 application review fee); renewal costs $450.
- →Other RECA fees apply depending on situation: a $350 eligibility fee, a $235 pre-licensing exam fee, a $100 occupational certificate fee, a $65 prep exam fee, and more.
- →A temporary reduced fee of $275 per individual licence class applied only from July 1 to September 30, 2026, as a transitional 2025-2026 provision — it is not the standing 2026-2027 fee.
RECA publishes its Alberta mortgage licensing fees directly, and they break down by licence type and by situation — new licence versus renewal versus reinstatement, plus a handful of situational fees that only apply in specific cases.
This piece lays out the current published 2026-2027 fee schedule for both mortgage associates/brokers and mortgage brokerages, and flags a temporary reduced fee that applied only for a few months in 2026 so it isn't mistaken for the standing rate.
01 · What does RECA charge for a new mortgage licence?
| Licence type | Fee |
|---|---|
| Mortgage Associate/Broker — new licence & registration | $575.00 total ($475 licensing + $100 Assurance Fund) |
| Mortgage Brokerage — new licence | $800.00 total ($450 licensing + $350 application review) |
For a mortgage brokerage, the $350 application review portion is non-refundable and applies specifically to new brokerage applicants.
02 · What does renewal cost each cycle?
| Item | Fee |
|---|---|
| Mortgage Associate/Broker — registration renewal | $525.00 total ($475 licensing + $50 Assurance Fund) |
| Mortgage Brokerage — licence renewal | $450.00 |
| Mortgage Brokerage — amendment | $350.00 |
| Mortgage Associate/Broker — reinstatement | $525.00 |
| Mortgage Associate/Broker — reinstatement (same licence year) | $100.00 |
Reinstatement at the full $525 rate applies to individuals registering with a brokerage within 36 months of their last registration who have not been registered since October 1, 2026.
03 · What other fees might apply along the way?
- →Eligibility Fee (suitability/eligibility review, for both Alberta and non-Alberta residents): $350.00.
- →Pre-Licensing Examination Fee: $235.00.
- →Occupational Certificate (Licensing History): $100.00.
- →Prep Exam Fee: $65.00.
- →Brokerage Name Change Fee: $50.00.
- →NSF Fee: $30.00.
Licensing fees are non-refundable once an authorization is issued; other refunds carry a 2.5% administrative fee.
The licence fee is one line. Capacity is the bigger cost.
Turn a new Alberta licence into producing files, faster.
Treadstone helps newly licensed Alberta mortgage associates and brokers build capacity without a first hire, turning licensing cost into producing files sooner.
04 · Was there a reduced Alberta mortgage licensing fee recently?
Yes, but it was time-limited: a temporary reduced fee of $275 per individual licence class (with any applicable REIX premium reduced to $100) applied from July 1 to September 30, 2026, for anyone not registered in the current licensing year. That was a transitional provision tied to the 2025-2026 fee year, not the standing 2026-2027 fee — new applicants should plan around the full fees in the tables above.
For the education requirements behind these fees, see RECA's Mortgage Education Program. Once licensed, see how Treadstone works with Canadian mortgage professionals to build capacity without a first hire, and see Treadstone's Canadian Mortgage Underwriting Course waitlist for the next skill investment.
Frequently asked questions
This article is general information to help you scale — not a substitute for tailored advice on your specific business, licensing, or compliance obligations. All figures are illustrative examples for planning purposes; actual costs vary by province, market, and brokerage.