“After losing more than 30% of my investment portfolio in 2009, my bank offered no other advice other than to leave my money where it was or transfer it to GIC. Thankfully I was referred to Casey who showed me some other amazing investment options that were not available through my bank, that would give me the potential to make up for my losses while also providing some guarantees.  I’m extremely happy that I listened to Casey’s advice and not my banks, as I’ve now managed to regain all of the money I lost and can now retire the way that I was planning on.  Thank you so much Casey you’ve made a huge difference to my life and I will continue to refer  anyone that I know to you with pleasure!”


Becky Cezar-Redublo, Toronto, Ontario


“My wife and I have been clients for several years now, and in that time, we’ve conducted numerous transactions with both Casey and Wayne from mortgage refinancing to life insurance to managing our investments. These individuals have demonstrated that they have superior knowledge of their respective products and are able to deliver them with exceptional customer service. I have found that this combination is a rarity these days, and as such, I whole heartedly recommend their service to both friends and family with confidence.”


Clifton Sookdeo & Shelly Sharma, Caledon, Ontario


“I have nothing but amazing things to say about F1RST CHO1CE Financial Group. Not only are Casey & Wayne extremely helpful and patient, but they’ve always taken the time to explain all my available options and make recommendation that would help me best attain my goals. I would recommend F1RST CHO1CE to anyone looking to plan for their future.”


Wilfido Rodriguez, Brampton, Ontario


“Honesty, integrity, and professionalism are the three words that come to my mind when I hear Casey’s name. He has provided my clients over the years with the highest level of service and they always thank me for introducing them to him. Casey truly goes above and beyond.”


Deborah Robinson, Real Estate Agent – Royal Lepage


“Purchasing our first home was a little nerve racking at first, but after speaking with Casey we felt completely at ease as we new we were in good hands.  Unlike our bank who took more than 2 days to call us back, Casey was always available to answer our questions and concerns no matter when we tried to reach him. Casey you made our first home purchasing experience a very pleasant one, and we really appreciated your advice regarding our life insurance options as well.  Thanks for everything…you saved us a lot of time and stress!”


John & Allison Botero, Mississauga, Ontario


“Working with Casey was an absolute pleasure from the beginning to the end.  Not only did he secure us a much better mortgage rate than the bank we’ve been with for over 15years, but he also helped us create a financial plan to help us to pay off our mortgage faster while creating wealth at the same time.  We’re very excited about working with Casey in the future and look forward to referring him to all of our friends and family.”


Peter & Lorraine Verners-Rufh, Oakville, Ontario




1. Excerpt from: Think Like A Billionaire:  Donald Trump – one of the most well recognized and successful real estate investors and developers worldwide – comments on the importance and usefulness of mortgage brokers in his latest book Think Like A Billionaire.  Read more

2. The Basics of Mortgage Lending:  Many people have contacted me to ask questions on how lenders evaluate their ability to qualify for a mortgage.  While there are a number of factors that lenders assess, I’m going to focus on the important ratios and numbers that they examine most closely. Read more

3. How to Compare Adjustable Rate Mortgages:  With the popularity of adjustable (variable) rate mortgages continuing to grow in major markets like the GTA, the need for accurate comparison of these products becomes increasingly important.  While traditional closed term mortgages are very easy to compare, adjustable rate mortgages (ARM’s) take a great deal of understanding to effectively evaluate.  Where selecting closed term mortgage from one or two institutions offering the same rate would likely only mean a slight variation in the privileges provided, the options and interest calculations on adjustable rate mortgages can literally mean the difference of being financially savvy or being conned.  Read more

4. Mortgage Renewals – Worth Shopping For:  In today’s market it completely amazes me how many people shop endlessly for their mortgage during their first purchase, but simply accept the banks first offer when renewing their mortgage.  With years of experience in the mortgage industry, let me re-assure you that first offer is most definitely not their best offer.  Most bank start renewal offers at posted rates!  Read more

5. Why Pre-Approvals Are a MUST for Home Shoppers:  It is increasingly surprising at the number of people who don’t take the time to get a pre-approval and rate hold before they go out home shopping.  It is a terrible feeling to have to tell people that have put in a conditional offer on a home subject to financing approval that they will not be able to secure financing for the home they’ve finally selected.  When you obtain a pre-approval and rate hold, you have absolutely nothing to lose and everything to gain.  Read more

6. Breaking a Mortgage – Know Your Options:  As a whole most people are not nearly as proactive as they should be in the monitoring and management of their mortgage debt.  By not effectively negotiating or re-evaluating your current mortgage when the market changes you could be wasting thousands of dollars that can never be regained.  Read more

7. Do You Know How Your Mortgage Provider Gets Paid?  In all the mortgages that I arrange I find it very surprising how few people actually ask me how I get paid.  A recent study in the US indicated that less than 10% of people could properly identify how different types of mortgage providers get paid during the transaction.  Don’t you want to know whether that person who is eager to sign you up has a financial advantage to selling a particular product?  Read more



Casey Charlton is an independent full-time mortgage planner and Financial Advisor. If you are purchasing, refinancing or renewing your mortgage, contact Casey or schedule a Mortgage Review to ensure you have the best available rates and terms.

416-315-1952 – CCharlton@FCFG.ca