COVID-19 UPDATE: All in-class courses are LIVE Webinars. Exams are available online and in-person. Our office locations are closed to the public. Support is available by phone or by live chat between 9 am and 5 pm. Full and future updates available here at Coronavirus Update Page.

COVID-19 UPDATE as of : All in-class courses are LIVE Webcasts. Exams are available online and in-person. Our office locations remain closed to the public. For more information, contact Support by phone at 877.447.3642 or by live chat between 9 am and 5 pm. Full and future updates available here at Coronavirus Update Page.

Your new career starts here!

REMIC is the #1 provider of the Ontario Mortgage Agent Course, with over 30 thousand students enrolled in the last 10 years!

Join over 30,000 REMIC students!

Check our 5-Star Google rating and reviews to see what real REMIC graduates are saying
Based on 948 reviews
REMIC offers very good material for a good price, I had no problem going trough the material, it was very easy to learn on my own peace, I totally recommend using REMIC course if you want to become a mortgage agent plus they offer a job bank for free IF you are a graduate student.
luis mtz
luis mtz
15:38 04 Dec 21
Excellent interaction with Instructor and participants on Zoom. Course covers a lot of material. There are a lot of concepts to understand but the course runs at a good pace.
Suzanne Keen
Suzanne Keen
21:13 30 Nov 21
The Team at REMIC:As a new registrant for the Mortgage Agent Licensing course starting on November 14, 2021, I found the Career Launch presentation by Cain Daniel (REMIC's Vice President) on November 10th to be very informative and inspiring prior to starting my course in few days. Bravo to Cain for sharing his thoughts and knowledge. Greatly Appreciated!In my opinion, REMIC is an efficient and organized company with excellent support for student learning. To support my claim, I registered for my course the afternoon of Friday, November 5, 2021 and my learning materials were delivered to my residence before 8am on Monday, November 8th.Honestly, with the pandemic restrictions on businesses, I did not think the materials will arrive before my course. Way to go, REMIC!Sincerely,Moses Pratt, M.Ed.Ottawa, Ontario, Canada.November 10, 2021.
Moses Pratt
Moses Pratt
16:51 10 Nov 21
Joseph is very friendly and knowledgeable and makes the material interesting. He's also a great drawer.
Jess Hanley
Jess Hanley
01:05 05 Nov 21
Very relevant information for the licensing exam.Excellent Tutors!
Tinu Olasimbo
Tinu Olasimbo
16:06 20 Oct 21
The course material is really well put and easy to navigate. The support provided (workshop, website, instructor help) allowed me to have a complete understanding of what the course material and the mortgage industry is all about.I highly recommend REMIC for everybody looking to take the course and becoming an agent.
Jude St-FLeur
Jude St-FLeur
15:12 13 Oct 21
Took their courses and had a great experience. I loved the convenience of learning from home on my own time and the guidance and tools that Remic continues provide after the exam with seminars, info sessions and job banks available. Thanks Remic for getting me off on the right foot in a new career!
Kailynn Maltese
Kailynn Maltese
15:12 13 Oct 21
The course material was detailed and is written in a way that is easy to understand. The instructor is very knowledgeable and always there to help! I definitely recommend if you want to go into the mortgage industry.
Nasima A
Nasima A
13:00 09 Oct 21
Kevin Is the amazing instructor. Highly Recommend 👍👍👍
Sandip Patil
Sandip Patil
03:14 07 Oct 21
Highly recommend REMIC, the course material was very detailed and the practice exam very practical to the actual exam.
Annie Naitram
Annie Naitram
15:15 05 Oct 21
Amazing instructor Kevin Rallings, I have learned a lot from you. Thanks for your efforts.
Sanaz Reshadat
Sanaz Reshadat
13:56 01 Oct 21
Highly recommend this course for anyone who is interested in starting their own business. My instructor is Kevin Rallings, I highly recommend this instructor, comes with years of experience and knowledge.
Irene Jankowski
Irene Jankowski
19:12 27 Sep 21
i am new here but as am going through from really like it very easy and best for student who want to join especially teacher Mr kevin is too good and at the best of his knowledge.
saqib zaheer
saqib zaheer
20:05 22 Sep 21
Very Informative in the MORTGAGE Industry and positive and fulfilling webinars.
Shantel Clarke
Shantel Clarke
16:07 21 Sep 21
Great Course material with relevant practice test and exams reviews! For me this course comes highly recommended.
Gail Solomon-Paul
Gail Solomon-Paul
18:13 20 Sep 21
Thank you, REMIC for helping taking the Mortgage Agent course, and providing the information I needed to know to get started in the mortgage industry.
Bernard Clarke
Bernard Clarke
15:02 15 Sep 21
The REMIC Mortgage course is very informative. I would recommend anyone who wants to know about mortgages do this course, even if you don't want to be an Agent.
Tara Singh
Tara Singh
17:56 14 Sep 21
This course is very informative and I learned so much. The resources and material they provide you with really prepare you to become a mortgage agent.
Sylvia Osei
Sylvia Osei
20:26 03 Sep 21
Thanks to Kevin Ralling. He is an awesome Instructor. I am not from Commerce background. But I really enjoyed doing this course. He makes the concepts so easy and interesting. It makes the course so easy. Definitely will recommend it to others.
Rupinder Kaur
Rupinder Kaur
20:13 01 Sep 21
If you are going to go get a Mortgage License REMIC is the ONLY way to go... They will give you all the tools to succeed, the rest is on u! Strongly recommend REMIC!! Kevin is a fantastic professor!!
20:24 31 Aug 21
Markland Smith
Markland Smith
20:17 30 Aug 21
Great course! Definitely the right first step to head into the mortgage industry. Simple and easy online learning with tons of information to help you learn.
javed rasheed
javed rasheed
19:46 27 Aug 21
Stephen was not only great at teaching and explaining but he read us perfectly and was able to tell what we needed to work. On. Best Webinar I have attended!!!!!
Suzanne Zachariah
Suzanne Zachariah
19:44 26 Aug 21
Excellent Webinar. Instructor Rosemary was awesome. Very knowledgable.
Rick Gandhi
Rick Gandhi
19:54 07 Aug 21
Nice and extensive knowledge with Extremely good instructors on Live webinars. Recommended for all those who wish to take this course.
Naeem Maqbool
Naeem Maqbool
19:53 07 Aug 21

Career FAQs

There are 3 steps to get mortgage agent licensed in Ontario:

1. Pass The Course - the mortgage agent course can be done in as little as 5 days for as little as $338.

2. Get Hired - you must join a mortgage brokerage first before you can get licensed.

3. Complete the FSRA Application - the FSRA (formerly FSCO) licensed mortgage brokerage applies to FSRA for your mortgage agent license.

More info here

The mortgage agent course can be completed from start to finish in as little as 5 days, but you have up to 6 months.

Typically there are many brokerages that are seeking new agent in Ontario. We recommend using the FREE REMIC Job Bank where there are dozens of brokerages looking for new agents.

Mortgage agents are typically paid a commission by the lender (via their brokerage) after the mortgage is funded.  The fee or commission amount is based on a number of basis points (bps), or “beeps” as they’re commonly referred to in the brokerage industry.  See more here.

Mortgage Agent Course Overview

Complete the Ontario Mortgage Agent Course (RMAC) for licensing in-class, by live webcast or completely online in as little as 5 days or take up to 6 months

Course Overview

Mortgage Agent Course Overview

Course Summary:
Course Length: 47 hours (estimated)
Course Delivery: In-class, live webcast, online or mixed mode (in-class and online)
Final Examination: 3 hours (in-person, when reinstated or online proctored)
Enrolment Period: one week up to 6 months

Topics Covered:
REMIC’s mortgage agent course is based on the textbook ‘Mortgage Brokering in Ontario – Agent Edition' written by REMIC founder Joseph White. The textbook is comprised of 23 different chapters, that touch on all the aspects that are included in the mortgage process.

For a detailed breakdown of the type of information that is in the course, you can click here to view the full table of contents.

In-class Course


REMIC offers 3 different types of in-class registration (courses) designed to meet the varying needs of our students who prefer the in-class experience. All courses run from 10AM - 4PM and all modes include:

  • A hard copy of the mortgage agent textbook
  • Immediate full online access including a exam preparation guide and practice exams
  • The exam and a rewrite if neccessary (fees may apply)

Monday to Friday

  • Perfect if want to complete the course quickly and can committ a full week
  • 5 days in-class in a row Monday - Friday
  • the exam is written on Friday

2 Saturdays

  • Perfect for you if you want "face time" with your instructor but you can't commit to a full week
  • 1st Saturday in-class, 6 days online, 2nd Saturday in-class
  • the exam is written on the second Saturday

5 Sundays

  • Perfect if you want 5 full days in-class but can't commit 5 consecutive days
  • 5 consecutive Sundays in-class
  • the exam is written on the last Sunday

Live Webcast Course


REMIC offers 3 different types of live webcast registration (courses) designed to meet the varying needs of our students who prefer the live-class experience. All courses run from 10AM - 4PM and all modes include:

  • A hard copy of the mortgage agent textbook
  • Immediate full online access including a exam preparation guide and practice exams
  • Exams ARE AVAILABLE ONLINE DURING COVID-19 UNTIL FURTHER NOTICE - AFTER COVID-19 restrictions are lifted exams will be available every Monday and Friday in Toronto or at any College or University of your choice

Live webcast courses are perfect for you if you prefer the live course experience but do not want to attend a physical in-class setting. During the web class you will be able to ask questions and get immediate response from the instructor.

Online Course


The online course is best suited for those students who are able to work on their own, enjoy or need to be able to work at their own pace and have a minimum level of self-motivation. This version of the course offers the flexibility to meet even the most demanding schedules.

REMIC offers 2 different types of online courses. Online registration with a hard copy of the textbook for $365 and online registration with an e-textbook (pdf) only for $338.

Each version includes:

  • Dedicated online instrcutor
  • Immediate online access including a pdf soft copy of the textbook
  • Online quizzes, discussions, assignments, video tutorials and the exam prep guide and practice exam
  • Finish the course from within 1 week or take up to 6 months
  • Exams ARE AVAILABLE ONLINE DURING COVID-19 UNTIL FURTHER NOTICE - AFTER COVID-19 restrictions are lifted exams will be available every Monday and Friday in Toronto or at any College or University of your choice

Course FAQ

FAQ Topics- Click on a topic to see the available questions

FAQ Questions - Click on a question to see the answerTax Deductions


Online assignments


Job Placement

Registration / Paying for a course


Online course

In-Class Courses

FAQ Answers
Do I get a T2202A? T2202A forms are issued to students who have paid $100.00 or more in eligible fees for qualifying courses beginning and ending in a particular calendar year.

Is this course tax deductible?In depth questions regarding the use of the T2202A form in the tax preparation process should be directed to Revenue Canada. Tax guides are available from any Revenue Canada office or a Post Office. Revenue Canada also publishes a booklet called "Students & Income Tax" - Government form P105(E).

When do you issue the T2202A? Official receipts for income tax purposes covering tuition fees paid for qualifying courses taken during the preceding calendar year are available in late February. In accordance with Revenue Canada regulations, official receipts (T2202A Forms) are only issued for tuition fees totalling $100.00 or more. Materials and administrative fees are not eligible for tax deduction.

How long is the final exam? You have 3 hours to complete the exam.

How many questions are on the final exam? The final exam consists of 50 multiple choice questions, many based on case studies that are designed to test your knowledge and understanding of the course material as required by the Financial Services Regulatory Authority of Ontario (FSRA).

Where can I write my final exam? Exams can now be completed fully online. If you are doing the course online and within the GTA, REMIC hosts examinations at our head office training facility every week at Sheppard and Victoria Park. If you are doing the course online and are outside the GTA, you can choose to write your examination at any College or University test centre of your choice. If you are doing an in-class course, you would write the examination on the last day of the course. REMIC offers courses at both our Toronto and Mississauga location.

When will I get my grade / know if I passed? If writing in person in the GTA you will have access to your final mark online the same day as you wrote your examination. If writing at a College or University we will typically advise you within 24 hours as we request that the College or University fax your exam to us immediately as well as courier your original exam to us. If writing online your results is typically available within 3 business days.

When do I get my certificate if I pass? Once you have been notified that you have passed the course you will be required to log in to the online section of the course and complete our feedback. You will then be able to print your certificate of completion and save it electronically.

What do I have to bring to the exam? You must bring your photo ID (either a driver’s license or valid passport) and one additional piece of valid identification, , a pen or pencil and your calculator. No other aids are allowed during the exam.

Do I have to do the online assignments and discussions? No, however they are designed to help you understand the material and will greatly increase your chances of passing the final exam. While your final grade is based solely on the final exam, it is strongly recommended that you complete all assigned tasks in the course.

Is this course recognized by the regulator / Financial Services Regulatory Authority (FSRA)?Yes, the REMIC Mortgage Agent Course (RMAC) is approved by FSRA and meets the educational requirements to obtain a mortgage agent license in Ontario.

How do I apply for my license once I'm finished the course? Once you have passed the course you must then be hired by a licensed mortgage brokerage that will initiate the licensing process on your behalf. This is a Financial Services Regulatory Authority (FSRA) requirement.

Do I have to take continuing education to maintain my license? Yes, there is a mandatory course that you will need to take before you are able to renew your license. In 2012 it was the Mortgage Broker Re-Licensing Education 2012 course, which was a 5 hour course. We provided it online for $30 and in-class for $50.

Do I have to begin the course on a specific date? If taking RMAC online you have the flexibility to begin your course at any date, and you may complete it within as little as one week or up to 6 months - the choice is yours. If taking the in-class course you must begin and end the course on set dates.

How much time should I devote to the course each day? This depends on your learning skills. While some take longer others learn and understand the material more quickly. The course is designed to be completed in 47 hours, which includes online exercises, tutorials, assignments, tests, and reading. We suggest that you set aside at least this amount of time to complete the course.

How do I receive my textbook? You will receive an online login immediately following your registration that gives you access to an electronic version of the textbook, whether you are doing the course in-class or online. This way you can get started in the course right away! REMIC will also ship you a hard copy of the textbook within 2 business days.

What is the cost of the course? The cost of the course ranges from $338 to $365 (printed textbook) and includes, online delivery, the examination and a free rewrite if needed.

How can I pay for the course? Through REMIC's secure shopping cart you can pay by credit card or using your PayPal account.> In person at 2175 Sheppard Avenue East, Suite 213 where you can pay by debit card, Visa, Mastercard or cash.

Who teaches the course? Only qualified, experienced industry experts are used to teach the course, which was developed by veteran industry expert and REMIC President, Joseph J. White who is also the author of the textbook.

How does job placement work? Once you have passed the course you will have the option to create a free account in the REMIC Shark Bank. The Shark Bank allows you to view job postings from brokerages across Ontario. Like a typical job bank, mortgage brokerages will also have access to your resume and cover letter (should you include them), allowing them to contact you directly and setup an interview. REMIC will provide you information and resources that will assist you in the interview process; understanding the procedures and knowing the right questions are vital when choosing a brokerage to join as a mortgage agent. This is a completely free service for all previous REMIC RMAC students.

What if I fail the exam? If you fail the exam you can arrange a rewrite exam at the next available exam date. If you fail the rewrite you must re-enroll in the course, paying the full tuition. This is a FSRA requirement.

Do I need to be internet or "tech savvy" to take the online course? No, the course is designed for those with basic computing skills, however the course contains rich, interactive content designed to engage you.

What if I disagree with my exam grade? REMIC gives you acces to an Exam Review Report that details the section and topics from the textbook that you missed. If you fail the exam you may request to review it at a time convenient to both yourself and REMIC (due to current restrictions the exam review is not available at this time). Please refer to our Policies and Procedures Manual for additional information.

Do I have access to a "live" person in the online course? Of course! Your Professor, an industry professional, is there to help, Monday to Friday during regular business hours.

Am I on my own in the online course? No, we are here to help! Your online course has a dedicated Professor who will interact with you, answering your questions and helping you along the way, when you need it. In addition, you are able to communicate with your fellow students in the course via chat message and open discussions.

Are there any prerequisites to taking the course? No, the course is available to anyone, however it is recommended that you have at least a high school education with equivalent English or French language and math skills.

When can I drop the course and get a refund? Can I transfer or get an extension? A student who wishes to withdraw from RMAC may do so by completing the request to withdrawal form and submitting it to REMIC. Please click here to open the Student Academic Policy which includes the withdrawal form. Upon receipt the request will be processed based on the following schedule: After registration but before the examination AND within 30 days of registration: 100% refund MINUS a $150 withdrawal fee. During or after the examination or after 30 days after registration: No credit and No refund.

Can I transfer my enollment to another user? Yes, during your enrollment you can withdraw and transfer the course to someone else. There is a $100 fee to do this.

What is the pass/fail rate? REMIC does not publicize these statistics as they have no impact on your individual results and in publicizing these types of statistics a student may put more or less work into the course than required based on his or her perception. Students may defer the exam indefinitely if he or she feels unprepared for the exam. There is no cost for this privilege.

I'm not prepared for the exam. What can I do? You can request to defer the exam without cost or penalty, as long as the course is completed within 6 months of initial registration. This option is available to both online and in-class students. As REMIC hosts open examinations every week, when you are ready you can book yourself in and write the exam.

Can I work at my own pace? Yes. You can complete the course in as little as one week or take up to 6 months - the choice is yours.

What is the difference between an agent and a broker? A broker and agent both ‘broker’ mortgages, however a broker may also hire agents and be the principal broker of a brokerage (equivalent to the Chief Compliance Officer). A broker does not necessarily earn more on a mortgage transaction than an agent. In addition, a broker must have been a licensed agent for at least two years, take and pass the broker course for licensing, and be approved by FSRA to upgrade his or her license from an agent to a broker.

Once registered, how long does it take before I get access to the online course? Whether you register for an in-class or online course you will have immediate access to the online information. This includes a soft copy of the textbook, audio-backed video tutorials, assignments, discussions, a case study and a full exam prep guide and practice exam. REMIC will also ship you a hard copy of the textbook within 2 business days. All registrations are subject to REMIC’s acceptance policy. Any students not accepted will have their registration fee fully refunded.

Is this course offered in house at brokerage's offices? REMIC offers the REMIC Mortgage Agent Course (RMAC) in house to several brokerages, based on the brokerage meeting certain quality control and professional standards. The course is taught by a REMIC Professor and standard exam security is employed regardless of the location of the course. There is no difference in the course cost, content and/or exam, regardless of where it is delivered. The cost of the course is $345. A brokerage may charge an additional fee to the student for additional services it provides before or after the course, however the REMIC charge is $345 and REMIC does not charge nor does it receive any additional fees.

How long is the course valid/good for? The course is valid for 2 years from the time you pass your exam. If you do not obtain a mortgage agent license within this time you must retake the course.

How do I register for the mortgage agent licensing course? Registration is easy. Simply go to and follow the instructions using our secure online payment system. You can also register in person at our head office training facility at 2175 Sheppard Ave East Suite 213, North York, ON, M2J1W8 (Business hours are Mon-Fri, 9AM - 5PM). We accept Visa, Mastercard, debit, cash or certified cheque.

Registration Options

All Course Options include
Immediate access       6 month enrollment       Dedicated instructor       Full version of Course Textbook as a PDF       Registration bonuses

Online self-paced


If you're self-motivated

  • Online self-study at your own pace
  • E-book or hard textbook
  • Completely flexible schedule
More Info

1 Week FastTrack


Fast! 1 week Monday to Friday

  • 5-days, Mon-Fri, Intensive Live Webcasts
  • 10 am to 4 pm (9:30 as of Jan 1, 2022)
  • E-book + Hard Copy Textbook couriered to you
Check Dates

1 Week Mixed Mode


You're self-motivated & want in class instruction

  • 2 Saturday webcasts w/6 days online
  • 25% teaching, 75% self-study
  • E-book + Hard Copy Textbook couriered to you
Check Dates

5 Week Normal Track


If you want more time to study

  • 5 Sunday Live Webcasts w/7 days in between
  • 10 am to 4 pm (9:30 as of Jan 1, 2022)
  • E-book + Hard Copy Textbook couriered to you
Check Dates

[NEW!] Weeknights over 4 weeks


If your days are full

  • Tues, Wed, Thurs for 4 weeks
  • 6:30 pm to 9:00 pm
  • E-book + Hard Copy Textbook couriered to you
Check Dates

Is this the Right Career for you?

Take REMIC's 2 minute career quiz to help figure out if a career as a mortgage agent is right for you!


Our Mission

To support entrepreneurs and careers in financial services.


Founded in 2008 by Joseph J. White, author of the textbook used by both the REMIC and Seneca College courses for agent licensing, and numerous sales resources, the Real Estate and Mortgage Institute of Canada is the Institute dedicated to the mortgage brokerage industry and the life insurance industry. Mr. White founded the Institute to meet the needs of financial services professionals by focusing solely on the mortgage brokerage industry. In 2016 REMIC expanded its educational offerings to include the life insurance agent course, called the HLLQP.

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