Key takeaways
- →A Quebec mortgage broker's combined certificate cost is $418 a year — a $116 base fee for the certificate itself plus a $302 mortgage-brokerage-specific addition — before any exam or training fees.
- →AMF exam and administrative fees range from $48 to $181 depending on which stage of the process you're paying for — eligibility exams, sector-registration exams, and result reviews are all billed separately.
- →Training costs for the two mandatory MBQP modules (F-116, F-611) aren't published by the AMF itself — each recognized provider sets its own price, so confirm the current rate directly with the provider you choose.
- →These are 2026 figures, effective January 1 and indexed 2.4% under the AMF's annual fee adjustment — confirm the live schedule directly with the AMF before budgeting.
Ask what it costs to become a mortgage broker in Quebec and the honest answer has several line items, not one number. The AMF charges a base certificate fee plus a separate mortgage-brokerage-specific addition, on top of per-exam fees that vary by stage, and a probationary certificate fee along the way.
This breaks down the AMF's current published 2026 fee schedule (effective January 1, indexed 2.4%) into what the certificate itself costs, what the exams and related administrative steps cost, what the probationary stage adds, and what isn't published — namely, training tuition, which the AMF leaves to individual providers to price. See Mortgage Licence Fees Across Canada for how Quebec's structure compares to other provinces.
01 · What does the AMF charge for the certificate itself?
The AMF's base fee “for the issuance or renewal of a representative's certificate for each sector or sector class in which a representative is authorized to act” is $116. On top of that, “a representative authorized to act in the sector of mortgage brokerage” must pay “an additional fee for the issuance of his certificate and an additional annual fee for its renewal” of $302.
Combined, that's $418 a year ($116 + $302) for the certificate alone — the base fee that applies across AMF-regulated sectors plus the mortgage-brokerage-specific addition, renewed annually.
02 · What do the AMF exams and related administrative steps cost?
| Item | Fee |
|---|---|
| File examination of a candidate | $48 |
| File examination of a representative | $49 |
| Application for recognition of equivalence of minimum qualifications | $48 |
| Examinations prescribed by the AMF to determine eligibility | $88 |
| Examinations prescribed by the AMF to register for the examinations in each sector | $181 |
| Application to review examination results | $54 |
| Postpone an examination prescribed by the AMF | $88 |
That $48–$181 range covers different stages — eligibility screening, sector-exam registration, and administrative reviews are each their own line item rather than being bundled into one exam fee.
03 · What do the probationary period and training add to the cost?
- →Issuance of a probationary certificate: $38
- →Issuance of a training attestation: $38
- →Application to analyze the qualifications of a supervisor: $48
- →Reprinting of a certificate: $54
- →Official attestation of the issuance of a certificate or of registration: $108
Training tuition itself isn't set by the AMF: The AMF doesn't publish a fixed price for the F-116 and F-611 training modules — each recognized provider (see our training programs breakdown) sets its own tuition. Confirm the current rate directly with whichever provider you choose rather than assuming a single figure applies across the board.
04 · What's the realistic total cost of getting licensed in Quebec?
Stack the pieces and the shape of the cost becomes clear: training tuition (provider-set, not published by the AMF), exam fees in the $48–$181 range per exam stage, a $38 probationary certificate fee, and the $418 combined annual certificate cost once licensed. None of these figures are trivial individually, and the AMF adjusts its full fee schedule periodically — 2.4% for 2026 — so treat this as a snapshot to confirm against the AMF's live schedule before budgeting a specific number.
Once licensed, brokers looking to build underwriting skill alongside their book can look at Treadstone's Canadian Mortgage Underwriting Course, and see how Treadstone works with Canadian mortgage professionals to keep processing costs predictable after licensing.
The licensing costs are only the start
After certification, the real cost question is capacity.
Treadstone's fulfillment associates give newly certified Quebec brokers a predictable per-file or retainer cost for processing and underwriting support — instead of the fixed overhead of a full-time hire.
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.