Key takeaways
- →You can't register for the AMF's mortgage brokerage examinations without first completing AMF-recognized compulsory training based on the PQCH curriculum.
- →The AMF's own site refers to this step as “examinations” — plural — covering the competencies a courtier hypothécaire needs to advise clients soundly.
- →Exam fees, formats, and scheduling are set and updated by the AMF directly, not by training providers — always confirm current details on the AMF's own exams page rather than a course provider's marketing page.
- →Passing the examinations moves a candidate into the probationary period, not directly into practice — there's still a supervised step ahead.
Prospective courtiers hypothécaires often go looking for a specific pass mark, fee, or number of questions the way they might for a real estate or insurance exam elsewhere. The AMF doesn't structure its public information that way for mortgage brokerage — it structures it as a sequence, and directs candidates to its own pages for the operational details that change over time.
That's the right instinct to follow here too: understand the sequence and the prerequisite, then go to the regulator's current page for the numbers that matter on exam day.
01 · What must you complete before you're eligible to write the AMF exams?
Eligibility starts with AMF-recognized compulsory training, delivered by third-party providers against the Programme de qualification en courtage hypothécaire (PQCH) curriculum. The AMF does not run the training itself — it recognizes providers and sets the curriculum requirements they must meet.
Because training is delivered by recognized providers rather than the regulator, the practical differences between programs — format, pacing, cost — can vary. See our guide on choosing a mortgage licensing course for how to compare them before enrolling.
02 · What do the AMF's mortgage brokerage exams actually test?
In the AMF's own words, the examinations exist so “the future professional possesses all necessary competencies to provide sound advice to clients.” That points to the exam's subject matter without dictating a fixed set of numbers: brokerage rules, professional conduct, and the mortgage products a courtier hypothécaire will be advising on.
For current exam fees, sitting format, and pass requirements, go directly to the AMF's exams page rather than a secondary source — these are administrative details the regulator can and does update.
Studying for the AMF exams
Build the business you'll need once you pass.
While you're preparing for certification, start planning how you'll process files efficiently once you're practising. Treadstone's fulfillment support helps Quebec courtiers hypothécaires scale without hiring in-house.
03 · What happens once you pass the AMF examinations?
Passing moves a candidate into the probationary period, not directly into independent practice. That's a supervised phase working under a probationary certificate, with the candidate's activities covered by an employer's professional liability insurance and the Financial Services Compensation Fund.
See our fuller walk-through of how to become a mortgage broker in Quebec for how the probationary period leads into the representative's certificate application.
04 · How do you choose an AMF-recognized training provider?
Compare providers on format (online vs. in-class), how current their material is against AMF requirements, and whether the training is structured to actually prepare candidates for the AMF's examinations — not just to satisfy a minimum-hours checkbox.
- →Confirm the provider's training is currently AMF-recognized before enrolling, not just recognized historically.
- →Ask how recently the curriculum was updated against the PQCH standard.
- →Check whether the provider offers exam-prep support specifically, separate from the base course.
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.