For bankers & bank-channel advisors
Banker to broker. Keep your clients. Lose the ceiling.
You already do the hard part: you find the clients and you earn their trust. Inside a bank, the relationship belongs to the bank and your upside is capped. As an independent broker, the book is yours, the whole market is open, and what you earn is up to you.
Why brokers don’t go back
The bank gave you a desk. Independence gives you a business.
Everything that makes you good at this job (relationships, judgment, work ethic) pays you more when it’s yours.
The relationship is yours
At a bank, your clients are the bank’s clients. As a broker you build a book that follows you through every renewal, referral and repeat deal, for the life of your career.
A real shelf, not one shelf
Stop saying no when your one lender says no. One application, and a curated network of the best lenders — banks, credit unions, monolines, alternative and private — to place every file with.
Uncapped, lender-paid income
No salary band, no quota set by someone else. Standard residential deals are paid by the lender at closing, and you keep a real share of what you produce.
Build your own brand
Run your own team name and marketing under our brokerage; our agents have built names like The Morgan Team and Mortgages in the Capital.
Deskside deal support
In-house underwriting available, and a Principal Broker beside you. Tricky files get structured and placed instead of declined and forgotten.
Audit-ready, always
Compliance is handled with you, not dropped on you. FSRA #10575, Mortgage Centre Canada network.
The honest comparison
Same skills. A very different ceiling.
Inside a bank or bank channel
- The bank owns the client, and keeps them when you leave.
- One product shelf, one rate sheet. The answer is often just “no.”
- Salary plus a capped bonus, against targets set for you.
- The bank’s brand and the bank’s rules on how you sell.
- Self-employed, new-to-Canada and bruised-credit files fall outside the box.
- A ceiling you can see from your first day.
As a Capital broker
- The clients you serve become your book, for every renewal after.
- The best lenders in the market on your shelf; you almost always have a yes.
- Lender-paid and uncapped: you keep a real share of what you write.
- Your own name, team and marketing, under our brokerage.
- Alt and private lenders mean you can actually help the hard files.
- Grow as far as your book and your ambition will take you.
Switching, handled
You don’t have to jump without a net.
The reason most bankers stay put isn’t the upside; it’s the uncertainty of the move. We’ve brought experienced producers across before, and we plan the move with you.
Most people are licensed, onboarded and closing their first independent deals within a few weeks, at a pace that protects their existing obligations and their reputation.
How the switch works
Four steps, a few weeks.
A confidential chat
A private, no-pressure conversation about where you are and what you want. Nothing leaves the room.
Get licensed
We guide your FSRA mortgage agent licensing and E&O, and sponsor you under the brokerage.
Onboard your business
Set up your brand, your lender access, and your tools, with the Mortgage Centre network behind you.
Close, with support
Your first independent deals, with deskside underwriting and a Principal Broker on call.
Straight answers
What bankers ask us before they jump.
Do I need a different licence?+
Yes: to broker mortgages in Ontario you hold a FSRA licence under a brokerage. A Mortgage Agent Level 1 licence lets you place deals with financial institutions and other approved institutional lenders; Level 2 adds private and alternative lenders, and the Mortgage Broker licence sits above both. Coming from a bank channel you’ll usually start at Level 1 and move up with experience; we guide you through the course, the FSRA application, and E&O, and sponsor you under Capital Mortgages (FSRA #10575).
What happens to my current clients and pipeline?+
Going forward, the clients you serve become your own book, yours through every renewal and referral. We’ll help you plan the transition properly and within whatever obligations you have to your current employer. We never ask anyone to do anything that puts their reputation at risk; done right, your relationships come with you over time.
Is this commission-only? How do I actually get paid?+
For standard residential mortgages the lender pays a finder’s fee when the deal closes; the client pays nothing. You earn a real share of what you produce, with no cap and no quota set by someone else. We’re transparent about splits and what the brokerage provides for them; you’ll know the numbers before you move.
How long does the switch take?+
For most people, a few weeks: the timeline is usually driven by licensing. We move at a pace that protects your current role, and we have you set up to write business the moment you’re licensed and onboarded.
Will I be on my own out there?+
No. That’s the difference. You get access to in-house underwriting, a Principal Broker who keeps you audit-ready, marketing and brand support, and the full Mortgage Centre Canada lender network. We add a small number of experienced agents each year, by fit, so you’re supported, not lost in a roster.
I’m an established producer: is this even for me?+
Especially you. Our ownership team brings 30+ years each in Canadian lending and compliance, and we’re built for serious, referral-driven producers who’ve outgrown the big-box model. If you already run a real book, independence is where it finally pays you what it’s worth.
When you’re ready
Let’s have a conversation, just between us.
Tell us where you are and what you want your business to look like, and we’ll tell you honestly whether the move makes sense for you.
Your inquiry stays between you and our Principal Broker.