Meet Matthew

I’m Matthew Charlton, an independent licensed mortgage professional based in Ontario with over 20 years of experience in financial services. I hold a Level 2 licence, which allows me to arrange a full range of mortgage solutions across Canada—including traditional, alternative, and private financing. Whether you’re buying your first home, moving up, downsizing, or expanding your real estate portfolio, I can help you secure the right mortgage for your situation. I also assist homeowners looking to renew their mortgage, switch lenders for better terms, access equity, or consolidate debt—with solutions tailored to your financial goals.

I work with a wide range of income situations, including salaried, self-employed, commission-based, pension, and rental income. Whatever your source, I’ll take the time to understand your full financial picture and match you with a strategy that fits. Unlike banks, which offer only their own products, I work with a broad network of major banks, credit unions, trust companies, mortgage finance firms, and private lenders. This gives you greater access to competitive rates, flexible terms, and approval options you may not find on your own.

My process is thoughtful, confidential, and efficient. You’ll benefit from honest advice, strategic insight, and access to mortgage solutions that align with your life—not just your next transaction. I also collaborate closely with trusted realtors, home inspectors, lawyers, insurance specialists, and financial advisors to help streamline your experience from start to finish.

I offer a significant upgrade to the traditional mortgage experience—all at no cost to you for typical residential transactions. Whether you’re planning ahead or navigating a time-sensitive situation, I’m here to make the mortgage process clear, smooth, and purposeful—on your terms.

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