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Canadian Securities Institute, Moody's Analytics Training & Certification Services

Personal Lending and Mortgages (PLM)

Gain recognition as an expert in credit and mortgage lending.

One of the best ways to advance a career in the financial services industry is to focus on a high-demand area and build the skills to serve it. The key to excelling in today's competitive lending market is to go beyond basic knowledge to provide credit and mortgage advice at an expert level. Financial service professionals who can provide insightful service and resolve complex problems will stand out with clients. And those who consistently submit thorough and accurate credit and mortgage applications to the underwriter will quickly gain credibility with their employers.

Increase trust with clients and boost confidence.

The Personal Lending and Mortgages course provides comprehensive coverage of consumer credit and both standard and advanced mortgages. The course addresses a full range of critical issues related to loan and complex mortgage products. It prepares professionals to answer sophisticated questions from demanding clients and to clear up common misunderstandings. Those who complete the course will be able to increase client trust and boost business by demonstrating a level of expertise that sets them apart from their peers.


Professionals will learn to develop comprehensive credit and mortgage applications. Upon completion, they will have the skills to:

  • Prepare for and conduct client interviews
  • Conduct credit investigations and assessments
  • Calculate the cost of borrowing for clients
  • Recommend consumer credit and mortgage products including creditor insurance
  • Explain how to minimize the risk of credit and mortgage default
  • Distinguish among various types of mortgage loans
  • Determine the stipulations of land title and registration
  • Complete mortgage disbursement and documentation requirements
  • Explain to clients the risks involved in complex mortgages
  • Identify all required documentation necessary to execute complex transactions
  • Fully answer client questions on advanced mortgage topics

Who should enrol?

The Personal Lending and Mortgages course will benefit financial services professionals involved in loan and mortgage-related services. Potential applicants include financial planners, mortgages specialists, account managers, financial service managers, bank and lending managers, mortgage brokers, small business bankers, and realtors. It may also serve as a refresher course with extended learning for experienced mortgage advisors who are not used to working with advanced mortgages.

The following topics will be covered in the course:

  • Conduct credit investigations and assessments
  • Calculate the cost of borrowing for clients
  • Recommend consumer credit and mortgage products including creditor insurance
  • Identify how to minimize credit default situations and mortgage default
  • Understand lending in changing economic climates
  • Distinguish various types of mortgage loans
  • Determine the stipulations of land title and registration
  • Complete mortgage disbursement and documentation requirements
  • Portable and Assumption
  • Equity Mortgage
  • Investment Properties
  • Rural Mortgages
  • Construction Mortgage
  • Newcomers to Canada Mortgage

This course has an online test (not proctored) component which students must pass. This includes testing of all material covered within the course. The test questions are randomly generated and the mark is documented in the student record and archived in the student profile per attempt. Please note: Only the 1st passing grade will be downloaded to your file.

Approximate Hours of Study**
Hours of Study 35 - 40 hours

** In order to provide some guidance to course participants as to the length of time it will take to be sufficiently prepared to write the final examination, CSI has prepared this estimate of the number of hours an average participant could possibly expect to spend studying for a course. Please note that these are only recommended hours of study developed based on research and our course content, however, this does not mean that some students with exceptional backgrounds would not take less time than recommended or that students with no background at all in finance or economics would not take longer than the maximum.

How you'll learn

Number of Exams 1
Exam Format Online
Exam Length 90 minutes
Question Format Multiple Choice
Questions Per Exam 50
Attempts Allowed Per Exam 2
Exam Passing Grade 60%
Enrolment Period 1 year

†Please note: Access to your online materials will close 2 weeks after successful course completion or course expiry (whichever comes first). This course can be extended by 1 year provided you have not exceeded the attempts allowed for each exam. You can view CSI extension fees here. Your enrolment period can only be extended one time.

Important: During a student's enrolment period, CSI may update this course. In that case, details about the update and how it may affect students will be posted online via My CSI. Students are held responsible for and are examinable on the content in the course textbook(s) provided at the time of enrollment unless stated otherwise in My CSI. Students are encouraged to check My CSI regularly throughout their enrolment period.

Click below to access CE accreditation information for this course. To search for specific course information, click the https://www.csi.ca/student/en_ca/images/find_icon.jpg icon or press the ctrl key & F key at the same time and enter the course name to search the document for the information you are interested in.

Continuing Education Credits

National/Provincial (Excluding Quebec)
Download CE Chart (PDF, 163 kb)

National/Quebec (IQPF/CSF)
Download IQPF/CSF Chart (PDF, 182 kb)

Please note: While CSI makes every effort to ensure that the information is up-to-date, we are unfortunately unable to fully guarantee its accuracy. The information listed in the charts above may be subject to change.

For details on the organizations and other information on CE Credits listed in the above charts, please click here.

Personal Lending and Mortgages (PLM)
Online, interactive version $550.00
Course with Textbook $615.00
Replacement Textbook
Replacement Textbook $75.00


  • Non-electronic course materials will ship within 5 business days of purchase
  • Electronic course materials will be available immediately upon purchase
  • Shipping costs vary by location & will be displayed on the final screen of check out
  • Shipping and handling fees will apply to all orders that include textbooks.

Corporate discounts may apply. Please be sure to identify your employer during the enrollment process or contact your human resources or training department to determine eligibility. Discounts will be applied during the enrolment process.