About me

I am Matt Blake. I broker mortgages. I do not settle debts.

Start my 2-minute Debt Payment Check

What I actually do

Homeowners call me when the month is a pile of due dates. I look at whether the house can carry some of that weight: a refinance, a blend and extend, a line of credit, a second mortgage, a private loan with an exit, or a reverse mortgage after 55. Then I say which one I would open with, and which ones I would not.

I also say when I would open none of them. That is not a failure of the call. It is the call working. The free Credit Rehabilitation Program is what I offer instead, along with a pointer to non-profit credit counselling. My free Credit Rehabilitation Program is a written habit plan, a plain walk-through of how to read your own credit reports, and a personal recheck with me when you ask for one. I show you how to file a dispute with a credit bureau yourself. I do not file it for you, and I do not promise what a bureau will do.

I live this work on the phone. A teacher in Victoria and a tradesperson in Prince George get the same process. I do not claim a local office in your city, and I do not claim I sit on your street. If a page about a city ever appears here, it will be about the housing, not about a storefront.

How a file moves with me

You start with the BC Debt Payment Check because it stops me from guessing. I call within one business day. If we continue, you send documents when you can. The written plan is due within 14 days of those documents arriving, not within 14 days of a vague hello.

The plan names a likely starting point, the other options, and doing nothing. It includes the Breathing-Room Snapshot and the Debt Payoff Map when debt payments are the issue. It includes the balance line: a lower payment can mean more interest over time and less equity. For a reverse mortgage it also says there is no regular payment while you live in the home, and that interest still builds.

The Paperwork Concierge is a checklist you can print. I package the file with you. I do not vanish you into a portal full of red stars. If something is missing, I tell you the one thing that is missing.

What I will not pretend

I will not pretend to be a credit counsellor, a debt settlement firm, or a trustee. I will not say items disappear from a credit report because you hired me. They do not, and you do not hire me for that. If a report has an error, I show you how to raise it yourself.

I will not invent a statistic to scare you. The Equifax averages live on the home page with the source. Your file is your file. I will not quote a payment from a chart as if it were yours.

I will not ask you to sit in a boardroom so I can feel official. Phone and video are the meeting. Bring a spouse, an adult child, or neither. On the 55 plus path, a Family Conversation Call exists so the people who love the house hear the equity trade-off from me, not from a forwarded rumour.

The promise, in the first person

I will call you back within one business day. You will get a written plan within 14 days of me receiving your documents. If none of these options is right for you yet, I will tell you plainly, put you on my free Credit Rehabilitation Program, and point you to non-profit credit counselling. The assessment costs you nothing, and there are no automated follow-ups.

That promise is about my behaviour. It is not an approval. A lender can still say no. A private loan can still be a bad idea. I would rather lose the file than dress up a bad idea.

If you want to test whether I mean it, start the quiz. The result will name one starting point. If it says the home is not the tool, that is me keeping the promise early.

A normal week, so you know what you are walking into

A normal file starts with the quiz, not with a speech from me. I read the taps before I call so you do not repeat your age three times. On the call I ask what the taps got wrong. Then I tell you the starting point I see and the one I refuse. If you want the written plan, we list the documents. If you want to stop, we stop. The rehab program is offered when the house is the wrong tool, and it is described without a score promise.

I keep licence MB600487 and brokerage X301291 on the page because you should be able to check them without trusting my tone of voice. BRX Mortgage Inc. is the brokerage. I am not a lender. If a loan funds, the brokerage is paid by the lender and you see that amount before you decide. Until then, the assessment is just the assessment.

If you want the short version

I broker mortgages for BC homeowners who are drowning in payments, and I say so when a mortgage should not be the tool.

Start my 2-minute Debt Payment Check