A candidate must score at least 60% to pass each examination prescribed by the AMF. A candidate is considered to have failed an examination if he or she fails to comply with the instructions given during the examination session. However, a failure may be cancelled by the AMF where warranted by exceptional circumstances.

In the mortgage brokerage sector, an examination is valid for a period of two years from the date the candidate passed the first examination.

Rules in effect until September 14, 2025

A candidate who fails an examination is entitled to rewrite that examination three times, provided that the training required as minimum qualifications is valid. The validity period of this training is two years from the date it is successfully completed.

A candidate who fails one or more examinations four times must repeat the career entry process in order to become a mortgage broker. The candidate must successfully repeat the training required as minimum qualifications before reregistering to attempt the examinations. Once that training has been successfully completed, the candidate may write a first examination and three supplemental examinations, if necessary.

However, if a candidate who is repeating the career entry process registers for the first examination after September 15, 2025, the new rules in effect as of that date apply.

Rules in effect as of September 15, 2025

A candidate who fails an initial examination is entitled to rewrite that examination three times, provided that the training required as minimum qualifications is valid. A candidate who fails the third supplemental examination must wait for a period of one year as of the date of the failed attempt before reregistering for the initial examination. The candidate must also successfully repeat the training required as minimum qualifications, even if the training required as minimum qualifications is still valid.