Let's Find You a Better Mortgage Deal

Focusing on your financial future

I'm Matt Robinson, a mortgage agent based in Southern Ontario. I work with 55+ lenders to find you the best mortgage, not just the best rate, but the right terms, features, and flexibility for your situation. Your bank's "special offer" is only special for them. Let's have a casual chat about what actually matters for your mortgage.

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Matt Robinson - Mortgage Agent

Your bank shows you one option. I show you 55+. More options means better terms, better rates, and a mortgage built for you.

What I Can Help With

Whether you're buying your first place or you're on property number five, I've got you covered.

Home Purchase

First-time buyer? Moving up? I'll walk you through the whole process and find you a mortgage that actually makes sense for your situation, without the confusing banker talk.

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Renewals

Don't just sign that renewal letter your bank sent you. Let me shop around and see what else is out there. Chances are, there's something better.

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Refinancing & HELOCs

Need to access your equity? Whether it's a full refinance or a HELOC for ongoing access to funds, let's find the right solution for renos, debt consolidation, or whatever life throws at you.

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Pre-Approvals

Getting pre-approved is the best place to start your home buying journey. Know what you can afford before you fall in love with a house, and realtors will take you way more seriously.

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Investment Properties

Building a rental portfolio? I work with investors and know which lenders have the best programs for investment properties.

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Self-Employed

Run your own business? Banks can be weird about that. I work with lenders who actually get how self-employment works.

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Mortgage Calculators

Get a quick estimate of your payments or what you can afford

Car payments, credit cards, loans, etc.
Check this if your down payment is less than 20%
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About These Numbers: This calculator uses debt servicing ratios of 39% (GDS) and 44% (TDS), which are common for well-qualified borrowers. Different lenders may use different ratios depending on your down payment, credit score, and other factors. Contact me for a personalized assessment based on your specific situation.

Monthly Budget Breakdown

Required if down payment is less than 20%
Monthly Payment
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Interest Paid Over Term
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Disclaimer: These calculators provide estimates only and should not be considered financial advice. Actual mortgage payments, rates, and affordability depend on many factors including credit score, employment history, property details, and lender requirements. CMHC insurance premiums and other fees may apply. For accurate calculations based on your specific situation, please contact me directly.

I Work With 55+ Lenders Including:

Lender logos including TD, Scotiabank, First National, Meridian, MCAP, Home Trust, Alterna, and RFA

Plus many more banks, credit unions, and alternative lenders

Matt Robinson

About Matt

Here's why I got into this business: When my wife and I were getting our first mortgage, our agent just pushed us into a product without any input from us. We felt like we were along for the ride with no chance to ask questions or understand what was happening. It was frustrating.

So I became a mortgage agent to do the exact opposite. I want to help people in my community actually understand their mortgage and save money in the process. Based in Brooklin and serving clients across Durham Region including Whitby, Ajax, Pickering, Oshawa, and the Greater Toronto Area, I work with over 50 lenders to find mortgages that actually make sense. Because I only get paid when you close a deal that works for you, I'm genuinely motivated to find you something that fits your situation.

I work with access to over 50 lenders across Southern Ontario. Big banks, credit unions, alternative lenders, the whole range. That means I can show you way more than what your bank offers. My job is to shop around, explain everything in plain English, and make sure you actually understand what you're getting into.

Outside of mortgages? I'm a husband and dad to two amazing boys. When I'm not helping people with their mortgages, you'll probably find me in the workshop building something or out with my camera trying to catch wildlife shots. I keep that same approachable vibe in my work. You can text me, call me, email me, whatever works. This is probably the biggest financial decision you'll make, so you shouldn't feel like you're bothering me by asking questions.

Why Work With Me?

I mean, you could just go to your bank. But here's why you probably shouldn't.

More Options

I compare over 50 lenders to find what works for your situation. Your bank only offers their products. More options means finding the right fit.

It's Free

Seriously. My services cost you nothing. The lender pays me when your mortgage closes, so you get expert help at no cost.

Actual Human Service

You get my cell number. Call me, text me, email me. No "your call is important to us" nonsense.

Plain English

I explain everything in plain English. If something isn't clear, just ask and I'll break it down until it makes sense.

Common Questions

Real concerns from real people. Here's what you need to know.

Most people are more approvable than they think. Unless you have serious credit issues or no income, there's usually a lender that can work with your situation. That's why I work with access to dozens of lenders - I look at your situation and match you with the right lender from the start, not a trial-and-error approach. Even if you're self-employed, have bruised credit, or a complicated income situation, there are lenders who specialize in exactly that. Let's just have a conversation and I'll tell you honestly where you stand.
Here's the thing everyone gets wrong: the lowest rate isn't always the cheapest mortgage. A slightly higher rate with better prepayment options can save you way more money if your situation changes. Can you break your mortgage without a massive penalty? Can you port it to a new house? Can you pay extra when you get a bonus? These features matter more than 0.1% on your rate. I've seen people save thousands by NOT taking the lowest rate. My job is to find the mortgage that fits your actual life, not just the one that looks good on paper.
I get it - you've been banking with them for years, they feel familiar. But here's the reality: your bank shows you one option (theirs), I show you 55+. I'm not some random guy - I'm licensed, regulated, and I only get paid when you close a deal that works for you. The bank employee gets paid whether you get a good deal or not. Using a broker is just as secure as using a bank, but you get way more options. And if something goes wrong? I'm the one who answers your call, not a 1-800 number.
Credit checks for mortgages work differently than you think. When you're mortgage shopping, multiple credit checks within about 45 days count as ONE inquiry, not multiple hits. That's specifically designed so you can compare options without penalty. Think of it this way: if your credit score was money and you had $800, a mortgage inquiry might cost you a loonie or a toonie. It'll bounce back quickly. What actually hurts your credit? Maxing out your credit cards (even temporarily), missing payments, or opening a bunch of new credit accounts. Getting a mortgage? That's expected and won't tank your score.
Everyone feels this way at first - you're not alone. The document list seems overwhelming, but I'll walk you through exactly what you need and why. Most of it is stuff you already have: pay stubs, tax returns, bank statements. I'm also creating video walkthroughs for each document type so you can see exactly what to gather. And if you're missing something or don't have a "normal" income situation, I'll figure it out with you. This is literally what I do all day - you're not going to surprise me or screw it up. Just get me what you can, and we'll handle the rest together.
Your parents or grandparents bought houses when you could walk into one bank, get a mortgage on one salary, and buy a big house. That world doesn't exist anymore. Prices are higher, you need more income, and banks have way stricter rules. The advice that worked decades ago doesn't work today. Now you need someone who knows the current market and can find you the right options. I respect that they're trying to help, but the game has completely changed. Let me show you what actually works in 2025.
Start with a conversation. That's it. You don't need to have everything figured out before you reach out. We'll talk about what you're trying to do, I'll explain what's realistic, and we'll figure out the next steps together. Maybe it's a pre-approval if you're buying, maybe it's reviewing your renewal options, or figuring out if refinancing makes sense. You don't need to understand every detail of how mortgages work - that's my job. Your job is to tell me what you're trying to accomplish, and I'll handle the complicated stuff. It's way less scary once you actually start the conversation.

Monthly Mortgage Insights

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Free Mortgage Guide

Free Mortgage Guide

Mortgages come with a lot of confusing terms. This guide breaks down all the terms you'll encounter, from amortization periods to rate types and everything in between.

Think of it as your mortgage dictionary. Keep it handy as a reference whenever you need to look something up.

Download Free Guide

Ready to Get Started?

Let's find you a mortgage that actually makes sense

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Let's Talk

Reach out however works best for you

Call or Text
905-244-9433

Call or text. I promise I'll actually get back to you.

Email
matt@mortgagefocus.ca

For documents, use the secure portal. For questions, this works.

Instagram
@mattrobinson.mortgages

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