Matthew Hines
Mortgage Agent Level 2 · CRMS · CSEC · FSRA #M09000211
Matthew Hines is a Level 2 Mortgage Agent licensed in Ontario (FSRA #M09000211) through Dominion Lending Centres Edge Financial, and holds the Canadian Reverse Mortgage Specialist (CRMS) and Certified Smart Equity Coach (CSEC) designations. 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 Canadian reverse mortgage lenders, and structuring solutions around the client's actual situation rather than the most convenient product.
- Approach -
My Approach
Most homeowners come to me after a bank has either said no, or said yes to something that doesn't actually fit.
My job isn't to sell a product. It's to understand the full picture first — income, expenses, equity, goals, family — and then work backward to find the structure that makes the most sense over the long run.
Sometimes that's a reverse mortgage. Sometimes it's the Protected HELOC Approach®. Sometimes it's something else entirely. The right answer depends on the situation — not the product lineup.
What I care about most is that when you make a decision, you understand exactly what you're agreeing to, what changes over time, and why it fits your life.
- The Basics -
Credentials & Licensing
Designation: CRMS — Canadian Reverse Mortgage Specialist
Designation: CSEC — Certified Smart Equity Coach
Licence: Mortgage Agent Level 2
Licence Number: M09000211
Brokerage: Dominion Lending Centres Edge Financial
Brokerage Number: 10710 | FSRA #09000211
Address: 8 Sampson Mews, Suite 201, Toronto ON M3C 0H5
- The Basics -
Publications & Frameworks
Co-Author — The Canada Reverse Mortgage Guide® A plain-language guide to how Canadian reverse mortgages work, who they're right for, and what to watch out for. Available free at canadareversemortgageguide.ca and on Amazon.
Co-Creator — The Protected HELOC Approach® A retirement home equity planning framework developed with Gregory Stanley. Not a product — a structure-first approach to help Canadian homeowners 60+ access equity with flexibility, stability, and long-term control. Learn more at theprotectedheloc.ca
- The Process -
Recognition & Speaking
EPIC 2025 Speaker — Bio
Pro Seminars Presenter — Session details
BBB Accredited — Home Equity Freedom listing
- A Note On Independence -
Philosophy
"My goal is simple: help you stay independent, protect your legacy, and enjoy the retirement you've worked so hard for."
Frequently Asked Questions (FAQs)
Is Matthew Hines independent, or does he work for a lender?
Matthew works through Dominion Lending Centres Edge Financial, a licensed brokerage with access to Canadian reverse mortgage lenders. He is not employed by any single lender and receives no preferential compensation for recommending one product over another.
What areas does Matthew serve?
Matthew is licensed in Ontario and works with homeowners across the province. For BC or Alberta, see Gregory Stanley's profile.
How do I verify Matthew's licence?
You can verify Matthew's FSRA licence (#M09000211) directly at fsrao.ca.
Ready to get some straight answers?
Book a free 30-minute call. Bring your questions — there's no such thing as a silly one when it comes to your home and your retirement. Choose your province to connect with the right specialist.
Your Retirement. Your Equity. Your Options
Let's build a plan that gives you confidence for today and freedom for tomorrow.
- Your Trusted Advisors -
- Explore Our Resources -
Canada's trusted plain-language resource for reverse mortgage information. Helping Canadian homeowners 55+ unlock the value in their homes with confidence, clarity and a plan for a better retirement.
Two experienced professionals. One common goal: Helping you make informed decisions with confidence.
Matthew Hines CRMS, CSEC
Mortgage Agent Level 2
Matthew has spent two decades helping Ontario homeowners navigate the decisions that matter most in retirement. He holds the Canadian Reverse Mortgage Specialist (CRMS) designation, works with 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.
647-372-0762 | Mon – Fri: 9am – 6pm EST
Gregory Stanley CFP, CSEC
Mortgage Broker
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.
236-300-3439 | Mon – Fri: 9am – 6pm PT
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Reverse mortgage loans are provided by Canadian lenders. Terms, conditions and rates apply. This site is for educational purposes only and does not constitute financial or legal advice. Please speak with a qualified professional to discuss your specific situation.
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