Mortgage CRM for Alberta brokers: Two licence classes, no land transfer tax, and a private-lending course every licensee owes
A mortgage CRM for Alberta works under RECA, which licenses mortgage associates and brokers under the Real Estate Act — and it should not quote a land transfer tax, because Alberta does not have one. Alberta's market moves with the energy cycle and sees heavy interprovincial migration, so lead volume is unusually spiky and self-employed income files are common.
Orientation, not legal or licensing advice. Rules change — confirm current requirements with RECA. Checked against official sources September 2026.
What should a mortgage CRM in Alberta keep track of?
Which licensees are associates and which are brokers, how close each associate is to the two-years-in-five experience bar for a broker licence, whether everyone has completed RECA's mandatory private-lending re-licensing education, and closing-cost figures that use Land Titles registration fees rather than a transfer tax. Mortgage360 keeps licence class and course completion on the agent record.
- Regulator: the Real Estate Council of Alberta (RECA).
- Governing law: Real Estate Act.
- Mortgage associate.
- Mortgage broker.
- Land Titles registration fees, not a transfer tax.
Who licenses mortgage professionals in Alberta
RECA issues two classes of mortgage licence. Pre-licensing education is delivered through the Alberta Mortgage Brokers Association, and an associate has to be hired by a licensed brokerage to be licensed.
- Mortgage associate — Requires the Mortgage Associates Program — Fundamentals of Mortgage Brokerage and Practice of Mortgage Brokerage — and a licensed brokerage to work for.
- Mortgage broker — Requires at least two years as a mortgage associate within the last five, plus the Mortgage Broker Program and exam.
The Alberta compliance calendar
Beyond pre-licensing, RECA has added mandatory re-licensing education for everyone who holds a mortgage licence.
- Since May 2025, all mortgage licensees must complete the Mandatory Re-Licensing Education on Private Lending.
- Confirm current re-licensing deadlines and any further courses with RECA.
- We could not find a record-retention period for Alberta mortgage brokerages on a primary source — confirm with RECA. FINTRAC's five-year minimum applies regardless.
Land Titles registration fees, not a transfer tax
Alberta has no land transfer tax. Buyers pay Alberta Land Titles registration fees on the transfer of land and on the mortgage, each scaled to value.
- Closing costs: All-in estimate; check registration fees against the official schedule.
- Self-employed affordability: For the self-employed income files common in Alberta.
- The Alberta rates board is a preview with sample rates, not live lender quotes.
What the CRM keeps on the record for Alberta
None of this needs a separate compliance spreadsheet. The dates and statuses above sit on the agent, office and deal records they belong to, and the funded book carries its maturity dates forward for renewals.
- Licence class — associate or broker — and licence date on each agent record.
- Private-lending re-licensing completion tracked per licensee.
- Shareable closing-cost estimates for buyers moving from provinces that do charge a transfer tax.
- Self-employed income documents collected against the application, not scattered across email.
A 30-minute walkthrough using your own deal flow — not a canned demo file.
Frequently asked
Who regulates mortgage brokers in Alberta?
RECA issues two classes of mortgage licence. Pre-licensing education is delivered through the Alberta Mortgage Brokers Association, and an associate has to be hired by a licensed brokerage to be licensed. Treat this as orientation, not legal or licensing advice, and confirm current requirements with RECA.
What licence do you need to arrange mortgages in Alberta?
Mortgage associate: Requires the Mortgage Associates Program — Fundamentals of Mortgage Brokerage and Practice of Mortgage Brokerage — and a licensed brokerage to work for. Mortgage broker: Requires at least two years as a mortgage associate within the last five, plus the Mortgage Broker Program and exam.
Does Alberta have a land transfer tax?
Alberta has no land transfer tax. Buyers pay Alberta Land Titles registration fees on the transfer of land and on the mortgage, each scaled to value. The closing-cost calculator gives an all-in estimate; check the exact fees against the official schedule linked below.
How long do Alberta mortgage records have to be kept?
We could not find a record-retention period for Alberta mortgage brokerages on a primary source — confirm with RECA. FINTRAC's five-year minimum applies regardless. Separately, FINTRAC has required mortgage brokers to keep identity and transaction records for at least five years since its mortgage-sector obligations took effect on October 11, 2024.
Official sources for Alberta
Every licensing and record-keeping statement on this page comes from these pages. Where none of them stated a rule, the page says to confirm with RECA instead of guessing.
- RECA — pre-licensing and re-licensing education
- Government of Alberta — register a land title document
- FINTRAC — obligations for mortgage administrators, brokers and lenders
Calculators for Alberta
- Closing costs — All-in estimate; check registration fees against the official schedule.
- Self-employed affordability — For the self-employed income files common in Alberta.
- Alberta rates board — preview, sample rates
Keep reading
Contacts, deals, renewals and the model behind them.
How the Canadian platforms compare.
Regulator and licensing notes for all ten provinces.
All-in closing estimate for Alberta.
Preview with sample rates.
Identity, records, retention and audit packs.
See your Alberta pipeline in Mortgage360
Thirty minutes with your own deal flow. If it is not a fit we will tell you.