Education and Training

Accreditation & Education Standards at PEMI®

Non-bank, non-institutional, non-syndicated, non-regulated or regulatory exempt, free trading securities and related financial instruments; also known as Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow securities and related financial instruments(private equity mortgage)
  • products and services,  
  • systems and technology, and the
  • methods used to deliver, command and control private equity mortgage products and services to the general public and industry members
taught at PEMI® are ground breaking and based upon successful use-in-commerce. Continuously registered to ISO 9001:2000, ISO 9001:2008 and ISO 9001:2015 since May 9, 2008 the system-standards are regulatory-recognized and globally recognized to be interoperable with equivalent system-standards, in and least 119 countries (Source). 

National and International Equivalent Education Classes & Mode of Delivery

PEMI® Education is classified using categories and methodologies aligned with those of the International Standard Classification of Education (ISCED 2011) to allow for Canadian and International harmonization for at least 119 MQCC-System Network Countries (Source). The ISCED categories and methods are recognized by Canadian Education Statistics Council (CESC), the Pan-Canadian Education Indicators Program (PCEIP); the CESC is a partnership between the Council of Ministers of Education, Canada (CMEC) and Statistics Canada (Source). PEMI® Education Classes are harmonized with the Canadian and international equivalent National Occupational Classification (NOC) 2016 Version 1.0 Skill Levels (Source).

There are four core program levels include: Vocational, Professional, Academic and Continuing Education.

PEMI® Education Classes2
 Level   ISCED Category Code ISCED Class   Name National Occupational Classification NOC Skill Level Duration Description
 Vocational 4   Postsecondary non-tertiary education B, C or D 6 months to 2 years Internationally, this level straddles the boundary between upper secondary and postsecondary education, even though it might be considered upper secondary or postsecondary in a national context. Programme content may not be significantly more advanced than that in upper secondary, but is not as advanced as that in tertiary programmes. Duration usually the equivalent of between 6 months and 2 years of fulltime study. Students tend to be older than those enrolled in upper secondary education. ISCED 4 corresponds to Canada's Labour Force Survey, Education Attainment as: Trade certificate or diploma from a vocational school or apprenticeship training (on-the-job training).
 Professional 5 Short-cycle tertiary education B2 years to 3 years Programmes at ISCED level 5, or short-cycle tertiary education, are often designed to provide participants with professional knowledge, skills and competencies. Typically, they are practically based, occupationally-specific and prepare students to enter the labour market. However, these programmes may also provide a pathway to other tertiary education programmes. Academic tertiary education programmes below the level of a Bachelor’s programme or equivalent are also classified as ISCED level 5. ISCED level 5 has a minimum duration of two years and is typically but not always shorter than three years. For education systems with modular programmes where qualifications are awarded by credit accumulation, a comparable amount of time and intensity would be required. ISCED 5 corresponds to Canada's Labour Force Survey, Education Attainment as: Non-university certificate or diploma from a community college, CEGEP, school of nursing, etc. • University certificate below bachelor’s level.
 Academic 6 Bachelor’s or equivalent level  A 3 years to 4 years Largely theory-based programmes designed to provide sufficient qualifications for entry to advanced research programmes and professions with high skill requirements, such as medicine, dentistry or architecture. Duration at least 3 years full-time, though usually 4 or more years. They are traditionally offered by universities and can also be offered at some colleges.
 Academic 7 Master’s or equivalent level  A indeterminate Programmes at ISCED level 7, or Master’s or equivalent level, are often designed to provide participants with advanced academic and/or professional knowledge, skills and competencies, leading to a second degree or equivalent qualification. Programmes at this level may have a substantial research component but do not yet lead to the award of a doctoral qualification.
 Academic 8 Doctoral or equivalent level  A 3 years Programmes at ISCED level 7, or Master’s or equivalent level, are often designed to provide participants with advanced academic and/or professional knowledge, skills and competencies, leading to a second degree or equivalent qualification. Programmes at this level may have a substantial research component but do not yet lead to the award of a doctoral qualification.
 Continuing Education 9 Not elsewhere classified DindeterminateEducation specifically targeted at individuals who are regarded as adults by their society to improve their technical or professional qualifications, further develop their abilities, enrich their knowledge with the purpose to complete a level of formal education, or to acquire, refresh or update their knowledge, skills and competencies in a particular field. This also includes what may be referred to as ‘continuing education’, ‘recurrent education’ or ‘second chance education’. This category spans multiple ISCED classes including 2, 3, 4, 5, 6.

In true PEMI® fashion, education plans are bespoke to each student requirements.

Mode of Delivery: Note; please do not be surprised that "peer-to-peer" finance requires education and training delivery on a "peer-to-peer" basis. All in-person instructional courses are taught in Calgary, Alberta, Canada. Online courses (including live-video instruction) is subject to implementation.

PEMI® Designations & Certifications; Occupation Skill Types

PEMI® Designations and Certifications are found in the Designations & Certifications section of PEMI® website.

PEMI® Occupation Skill Types classified in accordance to the Canada National Occupational Classification (NOC) 2016 Version 1.0 (and international equivalent).

 NOC Skill Type Occupational Category
 0Management occupations
 1 Business, finance and administration occupation
 2 Natural and applied sciences and related occupations
 4 Occupations in education, law and social, community and government services
 6Sales and service occupations

PEMI® Curriculum Development

The core PEMI® curriculum incorporates by necessity and by reference to occupational standards and statutory, regulatory, process and customer requirements, using the following frameworks and processes.
  • Job/Task Analysis (JTA)
  • Blooms Taxonomy
  • Developing A Curriculum (DACUM) and Curriculum and Instructional Development (SCID)

Innovation-in-Finance; Innovative Categories of Discipline and Global Sharing of Knowledge

Organized, professional National and International Standard-Class (NISC™) principles, concepts and core processes related to private equity mortgages (PEM®) was first championed by MortgageQuote Canada Corp. MQCC as early as 2006. As PEMI® and MQCC™ considers new categories of discipline recognition and works to develop new (and improved current) assessment routes for certification, a common lexicon (alphabetical arrangement of vocabulary, terminology) of generic and proprietary words is intended to help clarify discussions across all stakeholders1, found at Industry Terms & Trademarks. The publicly available content of the PEMI® knowledge-base can be shared and adopted across the world of financial education.

The Litigation-Tested, Regulatory-Recognized, Functional Approach to PEMI® Education

The PEMI® private equity mortgage curriculum is delivered using a dynamic pedagogical approach and is rooted in functional experience through real-world commercial trade and liability exposure. The quality and efficacy of the PEMI® body of private equity mortgage knowledge is litigation-tested by some members of the International Council of Legal Regulators (ICLR) and regulatory-recognized in Canada pursuant to the Canada's Cabinet Directive on Regulation published by the Treasury Board, (and international equivalent). The Treasury Board (Governor in Council, also known as Treasury Board Part B) acts as the Queen’s Privy Council for Canada. (Source: A Message to You)

Global Leadership through Successful Use-in-Commerce

To assure global leadership, the PEMI® body of knowledge was developed over nearly two (2) decades, commencing at least as early as August 14, 2001 of:
  • scientific-method-based primary research
  • discovery
  • development
  • commercialization
  • litigation testing
  • regulatory audit
  • regulatory scrutiny
  • regulatory recognition (through registration to National and International Quality Management System Standards)
  • continual operation,
  • continual improvement  
Of the world’s first application of the “principles of ‘BlockChain’” (Bungay Unification of Quantum Processes Algorithm)-in-commerce. Specifically, development of the world’s first Non-Bank, Non-Institutional, Non-Syndicated, Non-Regulated or Regulatory Exempt, Free Trading Securities and Related Financial Instruments; also known as a Peer-to-Peer (P2P)/Private/Crypto/Secret/Shadow Electronic Finance System on April 9, 2005; and subsequent registration thereof, of a subordinate Quality Management System, to ISO 9001:2000, on May 9, 2008. To learn more, visit

Students and members are receive the highest quality of education. PEMI® programs and curricula are based upon very high standards of: Quality Assurance, Academic Integrity and Currency-in-Practice. Learn more

PEM® Institute: Dedication to Investor-Lender Training and Broker Education
Canada-Based, the Global BE THE BANK® Program.

Individual Investors: Any Investor can be a Private Equity Mortgage PEM® banker (lender); we'll show you how.

Based upon key factors including political safety and financial stability (Why Invest in Canada: Source: Government of Canada), 

Canada: Financial stability

For the eighth consecutive year, the World Economic Forum has declared Canada’s banking system to be the soundest in the world.

Source: World Economic Forum

PEMI® bases it's private equity mortgage investment-lending material for the Canadian jurisdiction. Many concepts of the private equity mortgage business are applicable to more than one country, however some courses may be customized to the student's jurisdiction-of-interest.

Course Delivery
Content delivered by MortgageQuote Canada Corp. MQCC™
(Ontario, Canada License #12279)

Notice for Select Jurisdictions:

Ontario, Canada:

It is the Superintendent of the Financial Services Commission of Ontario who has the authority to approve the educational requirements for mortgage brokers and agents. PEMI® does not provide educational programs for individuals who seek to become licensed mortgage brokers and agents. PEMI® provides educational programs for individuals who seek to invest in private equity mortgages or existing licensed mortgage brokers and agents who seek proficiency in private equity mortgage transactions.

PEMI® courses are not designed to be compliant with the Ontario legislation named: Mortgage Brokerages, Lenders and Administrators Act, 2006, S.O. 2006, c. 29 (MBLAA); and therefore, not recognized by the Superintendent of Financial Institutions of Ontario as course activity to effect licensing or registration of mortgage brokers or agents in the Jurisdiction of Ontario, Canada.