See Whether This Approach May Fit Your Situation

Exploring the Protected HELOC Approach® is designed to be calm, straightforward, and low-pressure.

Designed for homeowners 60+ who want flexibility, clarity, and fewer financial surprises in retirement.

Designed for homeowners 60+ who want flexibility, clarity, and fewer surprises in retirement.

Complete the Pre-Qualification in About 90 Seconds

Complete the form in about 90 seconds. We’ll review your information and let you know within 24 hours whether this approach may fit — and what next steps could look like, if you choose to proceed.

Start Your Pre-Qualification Here!

You’ll get an answer within 24 hours.

This quick pre-qualification helps us confirm whether you’re eligible and what options may fit. No cost, no obligation, and no impact to your credit score.

Do you currently enjoy the comfort of owning your own home? *

Yes

No

This helps us understand your current situation.

Please provide the address of your property?

Address

Street Address *

City

Province

Postal code

We ask this to understand your financial situation and ensure that the Protected HELOC® fits your long-term needs.

This helps us assess the overall value and make sure we’re offering the right options for your needs.

How many bathrooms does your home have? *

1 Bathroom

2 Bathrooms

3 Bathrooms

More than 3 bathrooms

The number of bathrooms is another important factor in determining your home’s value.

How would you describe the size of your home in terms of square footage? *

Knowing the size of your home (in square footage) helps us better understand its market value.

What is the size of your property’s lot, where you enjoy your outdoor space? *

The size of your lot is important as it can impact the overall value of your home. We are just looking for your 'best guess' at this time.

How long have you called this home yours? *

1 to 3 years

4 to 10 years

11 years or more

This helps us understand your equity position in the home.

Could you share the type of property you own—whether it’s a house, townhouse, or condo? *

If your property type is not listed, please provide additional details so we can assess whether it is eligible for a Protected HELOC®.

If it’s a unique property, please feel free to share more details so we can understand your situation fully.

How would you describe your property in comparison to others in your neighborhood? *

Better than average

Similar to others

Worse than average

If your home is in better-than-average condition, what improvements or updates have you made to enhance its value?

Understanding any recent improvements or upgrades to your property can help us estimate its current value and your equity, which is important for calculating your Protected HELOC® eligibility.

If there are areas of your home that need attention, could you share what repairs or improvements are needed?

If your property needs repairs, this could impact its value. We’d like to know if there are areas of your home that require attention so we can factor that into our recommendation.

Does your home feature a basement suite? *

Yes

No

Some homes that have a basement may easily be renovated to create a rental suite. We may be able to add this cost into our funding solution.

If you have additional living space in your basement that could be made into a rental suite, would you like funding to do that? *

Yes

No

Not sure

Creating a rental suite produces predictable monthly income that greatly improves lifestyle.

Do you currently have fire or home insurance to protect your property? *

Yes

No

Home insurance is required to ensure your property is covered in the event of damage or loss.

Do you currently have any life insurance | mortgage protection insurance | disability or accidental death insurance? *

Yes

No

We want to ensure that obtaining a new mortgage won’t affect any existing insurance coverage. It may be necessary to replace or update certain policies to ensure they still serve their intended purpose. Having insurance is not a requirement to qualify for a Protected HELOC®.

Are you currently covered by creditor insurance? *

Yes

No

Are there any ongoing or pending legal matters we should be aware of that could impact the process? *

Yes

No

We need to know if any legal actions could affect your ability to move forward with a Protected HELOC®.

Have you experienced bankruptcy or a consumer proposal within the last six years? *

Yes

No

This helps us understand your financial history and any potential concerns related to your mortgage application.

Are your assets currently involved in any marriage or separation agreements that we should be aware of? *

Yes

No

We ask this to ensure there are no complications regarding your home ownership or its eligibility for a Protected HELOC®.

Do you own any additional properties, either solely or jointly with someone else? *

Yes

No

This is to assess your full financial picture and ensure we account for any other assets.

Are you co-signing any loans for another person or acting as a guarantor? *

Yes

No

If you are a co-signer, this may affect your financial obligations, but it doesn’t typically impact your eligibility for a Protected HELOC®.

Have you or anyone close to you ever held a prominent public position in a foreign country? *

Yes

No

Not sure

Have you or anyone close to you ever held a prominent public position within Canada? *

Yes

No

Not sure

Have you or anyone close to you ever held a leadership role in an international organization? *

Yes

No

Not sure

With a Protected HELOC® it may be possible to create an additional non-taxable income to supplement your existing retirement income. Would you like to know more about this opportunity?

Yes

No

Not sure

How familiar are you with the Protected HELOC®, and would you like more information to help guide your decision? *

Seen Ads but don't really understand it

Some Knowledge but have some questions

Researched The Protected HELOC® and know how it works

This helps us tailor our communication to your level of understanding and ensure we explain all aspects of the Protected HELOC® clearly to you.

Have you had the chance to open and review The Protected HELOC Approach® to help you better understand the process? *

Yes

No

If you haven’t already, we strongly encourage you to read the guide(s), as it provides essential information about how these mortgages work.

Will you commit to reading the guide(s) before we proceed with your funding, so you feel fully informed? *

Yes

No

This is to ensure that you are fully informed before committing to a Protected HELOC®. We want you to feel confident and knowledgeable about your decision.

Will you agree to seek independent legal advice before finalizing your Protected HELOC® funding? *

Yes

No

A lawyer will provide you with impartial legal advice to ensure that you fully understand the mortgage agreement and its implications before proceeding with the funding.

Your marital status is relevant for determining how your property is held and any potential impact on the Protected HELOC® application.

Are you a proud member of any senior or retiree organizations (like CARP or the Legion) or a paid subscriber to any newsletter or magazine for Seniors? *

Yes

No

If you belong to a senior or retiree organization, we just need to know which one so we can see if any special benefits or promotions are available for members when using our services.

If you are a member, we’d love to hear which organization(s) you belong to.

Do you currently have a mortgage, second mortgage, or home equity line of credit? *

Yes

No

We ask this to ensure we are aware of any outstanding debts on your property, as these may affect the Protected HELOC® options available to you.

Could you share the approximate balance(s) owing on your Mortgage and/or Second Mortgage or Home Equity Line of Credit? *

$

Knowing the balance owing helps us determine how much equity is left in your home, so we can determine the size of your Protected HELOC®.

Do you have any outstanding Credit Card, Unsecured Line of Credit or Personal Loan debt? *

Yes

No

This helps us understand your overall financial obligations. However, your eligibility for a Protected HELOC® will mainly depend on your home’s equity, not your current debts.

Could you share the approximate balance owing on Credit Cards?

Could you share the approximate balance owing on Personal Loans?

Could you share the approximate balance owing on Unsecured Line of Credit?

Do you currently have a car loan or lease? *

Yes

No

This question is to assess all your current liabilities. However, your car loan or lease will not typically affect your Protected HELOC® qualification.

Could you share the balance and monthly payment of your car loan or lease?

Are you considering any changes in your living situation over the next few years? *

Yes

No

Not sure

Understanding your future plans helps us recommend the best financial strategy for your situation.

If your home might need adjustments in the near future, we’d love to hear your thoughts and ideas.

If there are concerns about your home no longer meeting your needs, such as accessibility or size issues, we want to understand them so we can suggest the most appropriate options for your financial security.

What would you estimate the current value of your home to be? *

Again, we are only look for your 'best guess' for value from either an older appraisal, recent property assessment or the sale of place close to you that is similar to yours.

Primary Applicant

First Name *

Last Name *

Email *

Phone *

What is your current Age? *

What is your Gender? *

Male

Female

Is there anyone else who shares ownership of your home, such as a spouse or partner? *

Yes

No

If there is another co-owner of the property, we need to include them in the Protected HELOC® process. Both owners must typically be involved in the decision and application process.

Co-Applicant

Co-Applicant First Name

Co-Applicant Last Name

Co-Applicant Email Address

Co-Applicant Phone Number

Co-Applicant Age

Co-Applicant Gender

Male

Female

How would you rate your credit score(s)? *

Good (Good - Excellent)

Bad (Average - Poor)

Ugly ("Bad things happen to Good people")

This helps us gauge any potential concerns, but does not, on its own, affect qualification.

Are you open to staying in touch with us through any preferred method—text, email, or phone—to ensure you feel supported? *

Yes

No

We want to ensure open communication throughout the process. Please feel free to reach out with any questions at any time.

Please share the best time to contact you so we can discuss your pre-qualification at your convenience? *

Morning

Afternoon

Evening

Do you confirm that your information is accurate and will remain current unless updated? *

Yes

No

Captcha

The Protected HELOC® Approach brings together flexibility, optional payments, and long-term stability — structured carefully to reduce future surprises, not maximize borrowing.

Locations:

Address: 8 Sampson Mews, Suite 201 Toronto ON M3C 0H5*

Address: 30 Eglinton Ave W, Suite 200

Mississauga, ON L5R 3E7*

Address: 495 Wellington St W, Suite 100

Toronto, ON M5V 1E9*

*Located inside the Royal LePage Signature Realty Offices.

(647) 372-0762

[email protected]

8 Sampson Mews, North York, ON M3C 0H5, Canada

Financial Services Regulatory Authority of Ontario - Complaints

Dominion Lending Centres Edge Financial

Independently Owned & Operated #10710

The Protected HELOC® - Reverse Mortgage and HELOC Alterative or 60+ Homeowners

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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