About
Meet Sébastien Charles
Experienced entrepreneur with a passion for technology and finance
About Sebastien Charles
With over 25 years of experience in finance, entrepreneurship, and business leadership, I’ve had the privilege of working with individuals, families, and business owners across Ontario and Quebec to help them make confident, informed financial decisions.
I am a licensed mortgage broker in both Ontario (Capital Mortgages) and Quebec (Mortgage Architects), and I offer services in both English and French. Whether you’re purchasing your first home, refinancing an existing mortgage, or planning to invest in a rental property, I take a personalized approach to help you find the right mortgage solution that supports your goals.
My background as a CPA and MBA allows me to go beyond rate shopping. I help clients understand the full financial picture — from managing cash flow to long-term planning — and I specialize in guiding self-employed individuals and business owners who often face unique challenges when applying for personal financing.
Your dream home isn't just a place—it's a vision of your future. Let's build that vision together, one smart mortgage decision at a time.
Sébastien Charles
In addition to residential lending, I have extensive experience in commercial financing, M&A advisory, and strategic consulting through my work with CFM Financial and as the founder of a TSX Venture Exchange Capital Pool Company. This gives me a unique perspective when supporting clients whose personal finances are closely tied to their businesses.
Above all, my mission is simple: to help you make smart, confident financial decisions that move you closer to your goals — whether that’s buying a home, improving your credit, consolidating debt, or investing in your future.
Let’s connect and explore how I can help you take the next step.
