Helping You Achieve Homeownership and Financial Confidence

Meet Sebastien Charles, a trusted mortgage broker and financial advisor dedicated to helping individuals and families across Ontario and Quebec achieve their goals — whether that’s purchasing a first home, investing in a rental property, or getting control over personal finances.

Licensed in Ontario through Capital Mortgages and in Quebec through Mortgage Architects, Sebastien offers a personalized, transparent approach to mortgage planning. His bilingual services (English & French) and deep understanding of both provincial lending regulations ensure a smooth experience from application to approval.

Sebastien also specializes in helping self-employed individuals and business owners who often face added complexity when applying for financing. With a background as a CPA and MBA, he brings clarity to even the most challenging financial situations — from navigating income verification to designing debt consolidation plans and budgeting strategies tailored to your lifestyle.

While Sebastien has led multi-location businesses and advised on over $20M in M&A transactions, his focus here is personal: helping everyday people make smart mortgage decisions and build stronger financial futures.

Let’s Build Your Financial Foundation Together
Whether you’re buying your first home, refinancing, rebuilding credit, or planning for your family’s future — Sebastien is here to help with straightforward advice and solutions that work.