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Licensing & régulatory information

We provide mortgage brokerage services in British Columbia only. The details below reflect our current BC registration.

Mortgage brokerage in Canada is a provincially regulated activity. To take a borrower file, the brokerage itself must hold a licence with the applicable provincial regulator, and the individual broker handling the file must be individually licensed in that province. Our current brokerage service area is British Columbia only:

  • British Columbia — British Columbia Financial Services Authority (BCFSA). Brokerage licence X301089.

Per individual broker, the BCFSA directory shows the broker's name, current licence status, and any restrictions. Our broker directory links to the public record for each named broker.

Insurance.As required by BCFSA, we carry Errors & Omissions (E&O) insurance covering our brokerage and our individual brokers. Trust-account protections apply to client funds in our custody. Specific carrier details and policy limits are available on request.

Provincial scope: British Columbia only. Alberta brokerage operations ceased September 21, 2026. We no longer accept new Alberta mortgage brokerage business. Historical records and support for past files remain available. For historical Alberta regulatory matters, consult the RECA public resources.

Kelowna Mortgage Office

Kelowna, BC

Regulator: BC Financial Services Authority

Brokerage licence: X301089

Verify with regulator →File a complaint →

Surrey Advisory Studio

Surrey, BC

Regulator: BC Financial Services Authority

Brokerage licence: X301089

Verify with regulator →File a complaint →

Frequently asked questions

How do I verify a broker is licensed?

BCFSA maintains a public licensee directory. Our broker directory links to each broker's public record on the regulator's site.

What is a brokerage licence vs an individual broker licence?

The brokerage licence authorises the firm to operate in the province. Each individual broker working on a file must also hold their own current licence in that province. Both layers of licence appear in the regulator's directory.

Where can I file a complaint?

Start with us (see complaints process). If we can't resolve it, you can escalate directly to BCFSA using the links in the office cards above.

Licensing page reviewed: Content reviewed by the Pragmatic Mortgage Lending broker team on . Licensing, compensation, privacy, and complaint information should be verified against the relevant provincial regulator and written mortgage disclosure before you commit.