If you’ve ever thought, “I just want to understand this before I decide anything,” this guide is for you.

If the guide helps, great. If not,
you’ll still walk away clearer than before.
This is an educational download. No credit check. No obligation. No sales call unless you ask for one.
Where should we send the guide?

How home equity actually works in retirement (and where people get stuck)
When a reverse mortgage actually makes sense — and when it doesn’t
How payment pressure quietly builds (and how to stop it)
Why HELOCs can become dangerous later in life
How flexible payment structures reduce pressure as income changes
How to protect your home while using its value
How to protect flexibility, dignity, and peace of mind
Used by Ontario homeowners who want clarity before making decisions.
Prefer not to download? You can also explore whether this approach fits — no credit impact.
*Located inside the Royal LePage Signature Realty Offices.
(647) 372-0762
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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