Mortgage CRM for Quebec brokers: AMF certificates, a responsible officer, and files that work in French
A mortgage CRM for Quebec works under the AMF, which has supervised mortgage brokerage since May 1, 2020 — brokers are certificate-holding representatives, firms register with the AMF, and client files regularly need to work in French. Quebec runs on its own civil-law framework and French-language requirements, so client-facing documents and communications frequently need to work in both languages.
Orientation, not legal or licensing advice. Rules change — confirm current requirements with the AMF. Checked against official sources September 2026.
What should a mortgage CRM in Quebec keep track of?
Each representative's AMF certificate and professional-development standing in the current 24-month reference period, which firm they practise through, who the firm's responsible officer is, and client communication in French as well as English. Mortgage360 keeps certificate and CE status on the representative's record.
- Regulator: the Autorité des marchés financiers (AMF).
- Governing law: Act respecting the distribution of financial products and services.
- Mortgage broker certificate.
- Registered firm.
- Responsible officer.
- Transfer duties — the welcome tax.
Who licenses mortgage professionals in Quebec
Supervision of mortgage brokerage moved from the OACIQ to the AMF on May 1, 2020. Since then brokers have been representatives holding an AMF certificate in the mortgage brokerage sector, governed by the Act respecting the distribution of financial products and services.
- Mortgage broker certificate — Issued by the AMF after recognized training in the sector and the AMF's exams.
- Registered firm — Only a firm registered with the AMF in the mortgage brokerage sector may receive remuneration contingent on a loan secured by immovable hypothec.
- Responsible officer — Oversees the conduct of the firm's representatives and their compliance with the Distribution Act.
The Quebec compliance calendar
Professional development is compulsory to keep the right to practise, and it is measured over fixed reference periods rather than per licence renewal.
- Reference periods run 24 months; the current one runs May 1, 2026 to April 30, 2028.
- Credits must come from AMF-recognized training activities.
- A representative who falls short can have their right to practise suspended in that sector.
- We have not reproduced a retention period for Quebec firms — confirm the current record-keeping rules with the AMF. FINTRAC's five-year minimum applies regardless.
Transfer duties — the welcome tax
Quebec's transfer duties are collected by the municipality from the buyer at progressive rates on the property's value, and billed after the sale rather than paid at closing. Montreal applies its own higher brackets.
- The Quebec transfer-tax calculator runs the figure for a specific price.
- Desjardins payment calculator: Independent payment estimate at sample rates.
- The Quebec rates board is a preview with sample rates, not live lender quotes.
What the CRM keeps on the record for Quebec
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.
- AMF certificate and professional-development status on each representative's record.
- Notes on each file recording who reviewed it, for the responsible officer's oversight.
- Client-facing communication templates that can run in French and English.
- Welcome-tax estimates a client can see before the municipal bill arrives.
A 30-minute walkthrough using your own deal flow — not a canned demo file.
Frequently asked
Who regulates mortgage brokers in Quebec?
Supervision of mortgage brokerage moved from the OACIQ to the AMF on May 1, 2020. Since then brokers have been representatives holding an AMF certificate in the mortgage brokerage sector, governed by the Act respecting the distribution of financial products and services. Treat this as orientation, not legal or licensing advice, and confirm current requirements with the AMF.
What licence do you need to arrange mortgages in Quebec?
Mortgage broker certificate: Issued by the AMF after recognized training in the sector and the AMF's exams. Registered firm: Only a firm registered with the AMF in the mortgage brokerage sector may receive remuneration contingent on a loan secured by immovable hypothec. Responsible officer: Oversees the conduct of the firm's representatives and their compliance with the Distribution Act.
What transfer tax does a buyer pay in Quebec?
Quebec's transfer duties are collected by the municipality from the buyer at progressive rates on the property's value, and billed after the sale rather than paid at closing. Montreal applies its own higher brackets. Our Quebec calculator runs the figure so you can share it with a client.
How long do Quebec mortgage records have to be kept?
We have not reproduced a retention period for Quebec firms — confirm the current record-keeping rules with the AMF. 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 Quebec
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 the AMF instead of guessing.
- AMF — mortgage brokerage professional development
- AMF — mortgage brokerage compulsory training
- AMF — mortgage brokerage supervision transferred to the AMF
- Gouvernement du Québec — droits sur les mutations immobilières
- FINTRAC — obligations for mortgage administrators, brokers and lenders
Calculators for Quebec
- Transfer duties — the welcome tax
- Desjardins payment calculator — Independent payment estimate at sample rates.
- Quebec 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.
Transfer duties — the welcome tax
Preview with sample rates.
Identity, records, retention and audit packs.
See your Quebec pipeline in Mortgage360
Thirty minutes with your own deal flow. If it is not a fit we will tell you.