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