Protected HELOC® for Advisors:
Help Your Clients Age 60+ Unlock Tax-Free Equity — Safely
A Protected HELOC® keeps your clients in their homes, protects their equity, and provides tax-free cashflow on their terms.
Support Your Clients. Grow Your Practice. Refer with Confidence.
Why Advisors Choose the Protected HELOC® Approach
Keep clients in their homes while reducing or eliminating debt
Give clients a tax-free income stream without selling assets
Differentiate your practice with a unique solution unavailable at the banks
Strengthen relationships — clients receive a $500 gift presented on your behalf
Benefits of the Protected HELOC®
Flexible or no monthly payments
Fixed-rate lockups up to 5 years
Non-recourse: clients never owe more than the home’s fair market value
No recall risk once approved
Readvanceable credit line — unlike a reverse mortgage
No renewal or re-qualification at term
Tax-free proceeds
Fast: pre-approval in 90 seconds, typical funding in 21 days
Clients remain on title and keep ownership
Real Results from Real Canadians
Case Study: Katherine, 74 (Toronto) – Eliminated her mortgage and freed up retirement cashflow.
Case Study: Robert & Jane, 68 (Vancouver) – Supplemented retirement income without selling investments.
Case Study: Amir, 72 (Calgary) – Consolidated debt and covered medical expenses while staying in his home.
Your Role as the Advisor
Introduce the Protected HELOC® as a planning option
Share the free, Easy-to-understand, Consumer Guide with your client
Connect them with our Protected HELOC® specialists - Matthew Hines
Who Benefits from the Protected HELOC®
Canadian homeowners age 60+ with strong home equity
Clients wanting to avoid triggering tax events or forced investment sales
Retirees who are asset-rich but cash-flow limited
Those carrying mortgages, HELOC balances, or consumer debt
Retirees worried about outliving their money or needing income security
Homeowners planning medical expenses, renovations, or accessibility upgrades
Families who want to provide early inheritance or financial gifts
Anyone seeking tax-free cashflow while keeping ownership, equity, and government benefits
How to Partner With Us
Request Your Advisor Copy of the Guide
Get the Advisor version of The Protected HELOC Approach® to review and the consumer version to share.Schedule a call our Protected HELOC® specialists - Matthew Hines
Introduce the Guide to a Client
We provide simple language, scripts, and email templates.Refer with Confidence
We handle the consultation and recommend what’s best. If a Protected HELOC® is completed, your client is presented with a $500 gift in your name.
Schedule A Call
For Ontario Advisors who want to Learn more about the Protected HELOC® Approach?
Advisor FAQ:
Common Questions Answered
Who is the Protected HELOC® designed for?
The Protected HELOC® is for homeowners age 60+ in Ontario, British Columbia, and Alberta with significant home equity who want:
- Flexible, secure access to cash
- No required monthly payments
- To keep home ownership and future appreciation
Do clients remain on title?
Yes. Clients stay on title as legal homeowners and keep 100% of future property value (subject to the balance owed).
How is the Protected HELOC® different from a regular HELOC?
Payments: Bank HELOCs require mandatory monthly interest. Protected HELOC® allows full, partial, or zero payments.
Rates: Bank HELOCs float with prime. Protected HELOC® offers fixed-rate lock-ins up to 5 years.
Recourse: Bank HELOCs are full-recourse. Protected HELOC® is non-recourse, meaning that as long as obligations (property taxes, insurance, upkeep) are met, if the balance ever exceeds the home’s fair market value at sale, the lender cannot pursue the client, estate, or heirs for the shortfall. This is the no-negative-equity guarantee.
Recall risk: Bank HELOCs can be frozen, reduced, or recalled. Protected HELOC® cannot be recalled if obligations are met.
Readvanceable: Both are readvanceable (funds refresh if paid down). Reverse mortgages are not.
Renewals/Re-qualification: Bank HELOCs reserve the right to require re-qualification at renewal, which may change or reduce the credit limit. Protected HELOC® has no re-qualification at term if obligations are met.
How is the Protected HELOC® different from a reverse mortgage?
Interest: Reverse mortgages automatically roll up unpaid interest, steadily reducing equity. The Protected HELOC® lets clients choose to pay full, partial, or no interest.
Readvanceable: Reverse mortgages are not readvanceable. The Protected HELOC® is, keeping funds accessible if paid down.
Equity Protection: Both include a no-negative-equity guarantee, but the Protected HELOC® preserves more control and flexibility.
Is the client’s borrowing limit protected for life?
Yes. Once approved, the Protected HELOC® credit limit is guaranteed for as long as the client lives in their home and continues to meet obligations (property taxes, insurance, upkeep). For example, if a client qualifies for $300,000 but only draws $100,000 today, the remaining $200,000 stays available whenever it’s needed. Unlike a traditional HELOC, the lender cannot reduce, freeze, or remove the approved limit.
What are the key protections and benefits of the Protected HELOC®?
- Flexible payments: pay all, some, or none
- Non-recourse with no-negative-equity guarantee
- Clients remain on title, keeping ownership and future appreciation
- Borrowing limit is protected for life, cannot be reduced or removed
- Preserves more equity compared to reverse mortgages
- Withdrawals are tax-free
- Fixed-rate lock-ins up to 5 years
- Fast process: 90-second form, 24-hour answer, 21-day funding
- Cannot be recalled or frozen if obligations are met
- No re-qualification at term
What role does the advisor play?
Advisors:
- Introduce the option and share the consumer version of the Guide
- Connect clients to a Protected HELOC® specialist for consultation
- Remain central in the client relationship, seen as the one delivering the solution
How is the advisor’s involvement recognized?
When a client completes a Protected HELOC®, they receive a $500 gift presented on your behalf. This strengthens your client relationship and builds goodwill.
Where is the Protected HELOC® available?
Currently available in Ontario, British Columbia, and Alberta for homeowners age 60+ with sufficient equity.
How quickly can clients access funds?
Pre-approval form: 90 seconds online
Answer: within 24 hours
Funding: typically completed in 21 days
What can clients use the funds for?
Funds are tax-free and commonly used to:
- Eliminate debt or ongoing mortgage payments
- Cover living expenses, healthcare, or in-home care
- Renovate or improve accessibility to age in place
- Support family (RESPs, FHSAs, or early inheritance)
- Build a TFSA safety net
- Reduce reliance on investment withdrawals during market downturns
- Avoid taxable events by accessing home equity instead of selling assets
- Create peace of mind with additional backup funds
Does it affect CPP, OAS, or other government benefits?
No. Withdrawals are tax-free and not counted as income, so benefits are not reduced.
How do I get started as an advisor partner?
- Request your free Advisor Guide
- Book a consultation with a Protected HELOC® specialist
- Learn how to add the Protected HELOC® to your client solutions toolkit
Do clients have to re-qualify at the end of term?
Bank HELOC: The lender reserves the right to require re-qualification at renewal. There is no guarantee the original terms or limit will be maintained.
Protected HELOC®: No re-qualification at term, provided property taxes, insurance, and maintenance obligations are met.
Reverse Mortgage: No re-qualification at term, provided property taxes, insurance, and maintenance obligations are met.
Locations:
*Located inside the Royal LePage Signature Realty Offices.
(647) 372-0762
Dominion Lending Centres Edge Financial
Independently Owned & Operated #10710
The Protected HELOC®: Flexible like a HELOC. Guaranteed like a Reverse Mortgage. Protected for life.
Protected HELOC® and the Protected HELOC Approach® is a registered trademark of Stanley-Hines, 2025. All rights reserved. Matthew Hines | Mortgage Agent, Level 2, Ontario - FSRA#09000211 - Helping Canadian homeowners aged 60+ enjoy more financial freedom.
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