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A courtier hypothécaire is the title for a licensed mortgage broker in Quebec, regulated by the Autorité des marchés financiers (AMF).
Quebec's Autorité des marchés financiers licenses and oversees courtiers hypothécaires, distinct from FSRA, BCFSA, or RECA in the other provinces. Individuals must hold the appropriate AMF certification before advising on or arranging mortgage financing in the province.
Quebec also operates under a civil-law framework, using the term “hypothèque” (hypothec) rather than the common-law “mortgage” used elsewhere in Canada. A courtier hypothécaire performs the same client-facing work as a mortgage broker in the rest of Canada — sourcing lenders and packaging deals — within that distinct regulatory and legal structure.
Regulated by the AMF: Quebec's Autorité des marchés financiers licenses and oversees courtiers hypothécaires, distinct from FSRA, BCFSA, or RECA in the other provinces.
Operates under Quebec's civil law framework: Quebec uses the civil-law term “hypothèque” (hypothec) rather than the common-law “mortgage,” reflecting the province's distinct legal system for real property security.
Same core function, different framework: a courtier hypothécaire performs the same client-facing work as a mortgage broker elsewhere in Canada — sourcing lenders and packaging deals — within Quebec's distinct regulatory and legal structure.
Licensing required: individuals must hold the appropriate AMF certification before advising on or arranging mortgage financing in Quebec.
Definitions reflect Canadian federal and provincial rules as of the “Updated” date above. Not advice for any specific file.
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