Last reviewed: 9 October 2026
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Ontario’s mortgage agent and broker continuing education requirement, explained
Our guide to checking a Canadian mortgage broker’s license covers how to confirm status. What has to happen behind the scenes to keep that status active in Ontario is its own, fairly detailed requirement.
Licences renew annually; continuing education is a separate requirement
Ontario Regulation 409/07 defines the “annual licensing cycle” as the one-year period that begins on April 1 and ends on March 31 of the following year, and provides that a mortgage broker’s or agent’s licence expires at the end of the licensing cycle (sections 1 and 8.1(2)).[1] A licence may be renewed for an individual who, among other requirements, has completed the approved continuing education requirement, if any (section 9(1)).[1] Unlike the US SAFE Act’s annual CE requirement, FSRA’s 2026 guidance says CE is required for renewals in even years: 2026, 2028, 2030 and so on.[3] The hours and dates are as stated in FSRA’s guidance; confirm the current requirement on FSRA’s site.
Two separate components, not one combined requirement
| Component | Hours | What FSRA’s 2026 guidance says about reporting |
|---|---|---|
| Conduct CE course | 5 hours for agents; 7 hours for brokers.[3] | For the 2024-2026 CE cycle the guidance names three FSRA-accredited providers (the Canadian Mortgage Brokers Association, Mortgage Professionals Canada and the Real Estate and Mortgage Institute of Canada). If you complete the course, the provider informs FSRA directly and you do not report completion.[3] |
| Professional CE (technical knowledge) | 10 hours for all agents and brokers.[3] | Courses must relate to the technical aspects of mortgage brokering and may include seminars, webinars and industry conferences. You must document the hours, and FSRA may ask to see your records: course name, provider, number of hours and date of completion. Records are kept for the four years leading up to the current renewal cycle; for CE completed for March 31, 2026, until March 31, 2030.[3] |
FSRA’s guidance for the 2026 renewal says that if CE requirements are not met on time the licence will not be renewed, and the person cannot work as an agent or broker until all CE requirements are completed and the licence is reinstated.[3] Confirm the current renewal steps on FSRA’s site.
What to actually check, and what this does and doesn’t tell you
An active license on FSRA’s public register is the status to check; you don’t need to verify coursework yourself. What it doesn’t tell you is anything about disclosure practices, such as whether a broker has disclosed a lender relationship in writing; see conflict-of-interest disclosure requirements in Canada. For another province’s cycle, see Alberta’s annual RECA renewal.
Correction (9 October 2026): this page, its description and its Library card originally said Ontario mortgage agents and brokers renew on a two-year cycle, with renewal due by March 31 of every even-numbered year. That was wrong: under O. Reg. 409/07 the licensing cycle is one year (April 1 to March 31) and a licence expires at the end of the cycle, so licences renew annually. The sentence on the continuing education period running two years was removed, because the regulation does not set that period and FSRA sets it. See the updates log.
Update (9 October 2026): the CE hours, reporting and record-keeping details on this page were re-checked against FSRA’s 2026 renewal guidance (reference 3). Statements about how a renewal application is initiated, a February opening date for renewals, and carry-over of extra CE hours were removed because that guidance does not state them.