New Brunswick · FCNB

Mortgage CRM for New Brunswick brokers: A three-month CE clock for new licensees, and clients in two languages

A mortgage CRM for New Brunswick works under FCNB and the 2014 Mortgage Brokers Act — associates and brokers authorized by a licensed brokerage, continuing education that FCNB sets course by course, and clients who may want the conversation in French. New Brunswick is officially bilingual, so a meaningful share of files need client communication in French as well as English.

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Orientation, not legal or licensing advice. Rules change — confirm current requirements with FCNB. Checked against official sources September 2026.

Pipeline

New lead12

Moncton enquiry

Pre-approval

Web form

In review8

Docs received

Purchase

Ready

Submitted5

Saint John refinance

Awaiting lender

Funded31

Renewal set

120-day alert

The short answer

What should a mortgage CRM in New Brunswick keep track of?

Which licensees are associates and which are brokers, whether each has completed the continuing-education course FCNB currently requires — and, for anyone newly licensed, whether they finished it within three months — plus client communication in either official language. Mortgage360 keeps licence and CE status on the agent record.

Regulator: the Financial and Consumer Services Commission (FCNB).
Governing law: Mortgage Brokers Act, S.N.B. 2014, c. 41, with Rules MB-001 and MB-002.
Mortgage associate.
Mortgage broker.
Mortgage brokerage / administrator.
New Brunswick land transfer tax.

3 months

New-licensee CE

From the licence issue date.

24 of 36

Months to broker

As a licensed associate.

MB-001

Governing rule

Licensing and ongoing obligations.

Official languages

English and French.

Licensing · FCNB

Who licenses mortgage professionals in New Brunswick

The Mortgage Brokers Act and Rules MB-001 (licensing and ongoing obligations) and MB-002 (fees) regulate brokerages, brokers, associates and administrators. Every associate and broker must be authorized by a brokerage licensed in New Brunswick.

Mortgage associate — Brokers mortgages on behalf of a licensed brokerage.
Mortgage broker — Can supervise associates. Requires 24 months as a licensed associate in the preceding 36, plus the approved broker course and exam.
Mortgage brokerage / administrator — Firm licences, held separately from the individuals.

Education, renewals and records

The New Brunswick compliance calendar

FCNB does not run a fixed CE cycle; it approves a course when one is required and notifies licensees.

For 2026, FCNB made a New Brunswick Continuing Education Course mandatory for all brokers and associates, delivered by Mortgage Professionals Canada.
Anyone licensed before January 21, 2026 had to complete it by March 31, 2026.
Anyone licensed on or after January 21, 2026 must complete it within three months of their licence being issued.
Rule MB-001 sets brokerages' ongoing obligations; we have not reproduced a retention period — confirm with FCNB. FINTRAC's five-year minimum applies regardless.

What the buyer pays at closing

New Brunswick land transfer tax

New Brunswick charges a real property transfer tax on the greater of the purchase price and the assessed value, filed with a Land Transfer Tax Return when the deed is registered.

The New Brunswick transfer-tax calculator runs the figure for a specific price.
Closing costs: Legal, inspection and adjustments alongside the transfer tax.
The New Brunswick rates board is a preview with sample rates, not live lender quotes.

In Mortgage360

What the CRM keeps on the record for New Brunswick

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.

CE completion per licensee, including the three-month window for anyone newly licensed.
Licence type — associate or broker — and licence date on each agent record.
Client-facing communication that can run in French and English.
Maturity dates carried from funding for renewal campaigns.

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Questions

Frequently asked

Who regulates mortgage brokers in New Brunswick?

What licence do you need to arrange mortgages in New Brunswick?

Mortgage associate: Brokers mortgages on behalf of a licensed brokerage. Mortgage broker: Can supervise associates. Requires 24 months as a licensed associate in the preceding 36, plus the approved broker course and exam. Mortgage brokerage / administrator: Firm licences, held separately from the individuals.

What transfer tax does a buyer pay in New Brunswick?

New Brunswick charges a real property transfer tax on the greater of the purchase price and the assessed value, filed with a Land Transfer Tax Return when the deed is registered. Our New Brunswick calculator runs the figure so you can share it with a client.

How long do New Brunswick mortgage records have to be kept?

Rule MB-001 sets brokerages' ongoing obligations; we have not reproduced a retention period — confirm with FCNB. 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 New Brunswick

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 FCNB instead of guessing.