Each Office Independently Owned and Operated • Independent Expert Mortgage Advice • Save Time with One-Stop Shopping • Access to Best Mortgage Rates • Free No Obligation Consultations • Available Evenings & Weekends About BC Mortgage Brokers & Sub Mortgage Brokers  BC Mortgage Brokers and Sub Mortgage Brokers work for the client and not the lender. Mortgage Brokers are independent mortgage specialist who have access to several lenders and a vast variety of mortgage products for their clients. Unlike Bank Mortgage Agents who are not required to complete educational requirements or to be licensed to administer mortgages a Licensed BC Mortgage Broker and/or a Licensed BC Sub Mortgage Broker is required to pass the Brokers Licensing Courses administered through the Sauder School of Business at the University of British Columbia. After completion of the Licensing Course the broker must register with the British Columbia’s Financial Institutions Commission (FICOM) and are required to follow the British Columbia’s Mortgage Brokers Act, pass annual licensing courses and to adhere to all regulations set forth by FICOM. The primary difference between a Mortgage Broker and a Sub Mortgage Broker is that the Mortgage Broker holds the Broker’s License and is able to employ Sub-Mortgage Brokers. A Sub Mortgage Broker cannot operate unless they are registered under a Mortgage Broker, commonly call the Brokerage Office. FICOM regulations do not allow Sub Mortgage Brokers to call themselves Mortgage Brokers which at times can cause confusion among the general public. Sub Mortgage Brokers commonly call themselves Mortgage Consultant, Mortgage Expert, Mortgage Specialist and Mortgage Professional.