A mortgage licence renewal date isn't the same across Canada — some provinces renew annually, British Columbia runs a two-year cycle, and Quebec tracks continuing education on its own 24-month reference period that doesn't line up with the certificate renewal itself.
This guide puts every licensing province's renewal cycle and key dates in one place, so a licensee — especially one holding more than one provincial licence — can build a single calendar instead of checking nine separate regulator pages.
Why don't renewal dates line up across provinces?
Each province sets its own licence year and renewal cadence independently — there's no shared national renewal calendar. Saskatchewan runs a July 1–June 30 licence year; Manitoba expires every registration on May 31 regardless of issue date; Nova Scotia renews annually by October 31; Quebec renews the certificate annually but tracks PDUs on a separate 24-month cycle. None of these dates were coordinated with each other.
What is each province's renewal cycle and key date?
| Province | Renewal cycle | Key date(s) |
|---|---|---|
| Ontario | Annual; CE required only in even years | CE deadline for the current cycle: March 31, 2026 |
| British Columbia | 2-year registration cycle | Legal Update course due before renewal; BCFSA recommends starting at least 8 weeks before expiry |
| Alberta | Annual (see linked article for the full renewal cycle) | — |
| Quebec | Annual certificate renewal; PDUs tracked on a separate 24-month reference period | Current PDU reference period: May 1, 2026 – April 30, 2028 |
| Saskatchewan | Licence year runs July 1 – June 30 | Annual return for the year ended May 31, due by June 30; CE by May 31 of even years |
| Manitoba | Annual | All registrations expire May 31 regardless of issue date |
| Nova Scotia | Annual | Renew by October 31 each year |
| New Brunswick | Annual | Fee due by March 31 each year |
| Newfoundland and Labrador | Annual, on a rolling basis | Annual filing due the last day of the month, 12 months from the licence's effective date |
Why do Ontario and Quebec each run two separate clocks?
Ontario's licence itself renews on its own schedule, but Conduct CE and Professional CE are only required in even-numbered renewal years — meaning an odd-year renewal and an even-year renewal aren't the same paperwork. Quebec separates the two even further: the certificate renews annually, but PDU compliance is tracked over its own rolling 24-month reference period (currently May 1, 2026 to April 30, 2028), independent of the certificate's own renewal date. Confusing the two clocks is an easy way to miss a deadline in either province.
See Quebec Mortgage Broker Continuing Obligations for that province's full detail, and a similar single-province deep dive exists for Ontario's renewal rules.
How does BC's two-year renewal cycle actually work?
British Columbia registrations run on a two-year cycle, with one Legal Update course required per cycle rather than every year. BCFSA recommends starting that course at least 8 weeks before the registration expiry date — a longer lead time than most provinces' single-year CE requirements need, simply because the course itself includes both a self-paced online component and a scheduled classroom session.
What do the Prairie and Atlantic provinces require?
Saskatchewan's licence year runs July 1 to June 30, with the annual return covering the year ended May 31 due by June 30, and continuing education due by May 31 in even years — three related but distinct dates inside one cycle. Manitoba is simpler on paper — every registration expires May 31 regardless of when it was issued — but that means a licensee registered in January still faces the same May 31 deadline as one registered the previous June. Nova Scotia and New Brunswick both run annual cycles with fixed dates (October 31 and March 31 respectively), while Newfoundland and Labrador's cycle is tied to each licence's own effective date rather than a single calendar date shared across all licensees.
How should you actually build your renewal calendar?
Start from your home province's cycle and date, add any CE/PDU deadline that runs on its own separate clock (Ontario, Quebec), and if you hold more than one provincial licence, track each one independently rather than assuming they align. See our Multi-Province Licensing Playbook if you're managing more than one province's cycle at once. Treadstone's Canadian Mortgage Underwriting Course is a good use of any lighter renewal-year stretch, and Treadstone's work with Canadian mortgage professionals keeps the file-processing side running while you handle renewals.