Matthew Hines, CRMS, CSEC
Mortgage Agent Level 2 — Ontario
Two decades helping Ontario homeowners navigate the home equity decisions that matter most in retirement — without pressure, without complexity, and without regret.
About Matthew
Matthew Hines is a Mortgage Agent Level 2 licensed in Ontario through Dominion Lending Centres Edge Financial (FSRA M09000211), a Canadian Reverse Mortgage Specialist (CRMS), and a Certified Smart Equity Coach (CSEC). He is co-author of The Canada Reverse Mortgage Guide® and co-creator of the Protected HELOC Approach® with Gregory Stanley.
For over two decades, Matthew has helped Ontario homeowners navigate the home equity decisions that matter most in retirement — working with all four Canadian reverse mortgage lenders, and structuring solutions around the client's actual situation rather than the most convenient product.
📞 647-372-0762 | Mon–Fri: 9am–6pm EST
✉️ [email protected]
My Approach
I came to reverse mortgages through a family situation. Someone I cared about was house-rich and cash-limited, trying to figure out how to stay in the home they'd lived in for 35 years without making a financial mistake they couldn't undo. The advice they were getting was incomplete, inconsistent, and occasionally just wrong.
I decided to learn the product properly. That meant understanding not just how reverse mortgages work, but how the four Canadian lenders actually differ from each other — in renewal rate structure, draw flexibility, property acceptance criteria, and long-term cost. The differences are meaningful. Most borrowers never see them.
My job isn't to sell a product. It's to understand the full picture first, and then find the structure that makes the most sense — even if that structure isn't a reverse mortgage.
"My goal is simple: help you stay independent, protect your legacy, and enjoy the retirement you've worked so hard for. That means being honest about every option — including the ones that don't involve me."
Credentials & Licensing
Designation - CRMS — Canadian Reverse Mortgage Specialist
Designation - CSEC — Certified Smart Equity Coach
Licence - Mortgage Agent Level 2
Regulator - FSRA Ontario
Licence - #M09000211
Brokerage - Dominion Lending Centres Edge Financial
Brokerage # - 10710
Address - 8 Sampson Mews, Suite 201, Toronto ON M3C 0H5
Publications
Co-Author — The Canada Reverse Mortgage Guide® Available free on this site and on Amazon. Plain-language, no jargon, no sales pitch — written the same way I'd explain it to a friend over coffee. Get it on Amazon →
Co-Creator — The Protected HELOC Approach® A retirement home equity planning framework co-developed with Gregory Stanley for Canadian homeowners 60+ who want flexible, stable, long-term access to equity. Learn more →
Frequently Asked Questions (FAQs)
Who does Matthew work with?
Ontario homeowners age 60+ navigating reverse mortgage or home equity decisions in retirement.
Which lenders does Matthew work with?
All Canadian reverse mortgage lenders and reverse style mortgage lenders. No lender affiliation. No incentive to recommend one over another.
Is a consultation free?
Yes. Always. No obligation. Start with the calculator or the guide if you're not ready to talk yet.
How do I verify Matthew's licence?
FSRA M09000211. Verify here →
Gregory has spent decades helping homeowners across BC and Alberta build retirement plans that actually hold up under pressure. As a Chartered Financial Planner and co-author of The Canada Reverse Mortgage Guide®, he brings a planning lens most mortgage brokers don't have — which means the reverse mortgage conversation always happens inside the bigger picture, not instead of it.
Gregory Stanley, CFP, CSEC | Mortgage Broker
Home N Work Mortgages Inc. | BCFSA & RECA Licensed
5094 Lochside Drive Victoria BC V8Y 2E9
236-300-3439 | Mon–Fri: 9am–6pm PT
Matthew has spent over two decades helping Ontario homeowners navigate the decisions that matter most in retirement. He holds the Canadian Reverse Mortgage Specialist (CRMS) designation, works with all four Canadian reverse mortgage lenders, and co-authored The Canada Reverse Mortgage Guide®. His approach is simple: understand the whole picture first, then find the structure that actually fits — even if that structure isn't a reverse mortgage.
Matthew Hines, CRMS, CSEC | Mortgage Agent Level 2
Dominion Lending Centres Edge Financial | FSRA M09000211
Independently Owned & Operated #10710
8 Sampson Mews, Suite 201 Toronto ON M3C 0H5
647-372-0762 | Mon–Fri: 9am–6pm EST
The Protected HELOC®: Flexible like a HELOC. Guaranteed like a Reverse Mortgage. Protected for life.
Educational content provided by Stanley-Hines — Matthew Hines and Gregory Stanley. Co-authors of The Canada Reverse Mortgage Guide® and co-creators of the Protected HELOC Approach®.
Protected HELOC® and the Protected HELOC Approach® is a registered trademark of Stanley-Hines, 2025. All rights reserved. Helping Canadian homeowners aged 60+ enjoy more financial freedom. Copyright 2025 Privacy Policy | FAQs | Sitemap