Free Protected HELOC® Guide for Ontario Homeowners 60+

Learn how to access tax-free home equity, stay on title, and choose flexible or no payments — without the risks of a traditional HELOC or reverse mortgage.

Why Ontario Homeowners Use the Protected HELOC®”

  • Access tax-free cash from your home equity

  • Make flexible or no payments — you choose

  • Keep ownership and stay in your home

  • Borrowing limit protected for life (cannot be reduced or removed if obligations are met)

  • Multiple payout options: lump sum, staged draws, monthly income, or an optional Mastercard® ($2,000 limit, resets monthly)*

  • No impact on CPP, OAS, or GIS benefits

*Terms and conditions apply. Mastercard option subject to approval.

Is the Protected HELOC® Right for You?

If two or more of these statements apply, this guide is for you:

  • You are 60+ and own your home in Ontario

  • You want to access home equity without selling or downsizing

  • You’re looking for ways to reduce reliance on investments or avoid triggering taxable events

  • You want to cover living costs, healthcare, or renovations with flexible access to funds

  • You want to support family now (RESPs, FHSAs, early inheritance) or top-up your investments (TFSA, RRSP)

The Protected HELOC Approach® - Reverse Mortgage and HELOC Alternative

Get your free copy of The Protected HELOC® Guide—a reverse mortgage and HELOC alternative for Canadians 60+.

Your free guide explains how the Protected HELOC® works, how it compares to HELOCs and reverse mortgages, and how you can apply.

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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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