The Protected HELOC Approach® for Financial Advisors
Support Your Clients. Strengthen Your Practice. Refer with confidence. Educate with ease.
“I’m 74. Still working. And I feel like I’ll work until the day I die.”
Your retired clients don’t need another product. They need options, control, and someone to show them what’s possible.
Help your clients stop surviving retirement—and start living it.
Join the advisors who are using The Protected HELOC Approach® to help Canadian retirees stay in their homes, eliminate debt, and access tax-free income—with dignity and security.
Why Advisors Are Paying Attention
Your clients are:
✔️ Asset-rich but cash-poor
✔️ Carrying HELOCs, mortgages, or consumer debt into retirement
✔️ Helping adult children, managing health costs, or planning their estates
✔️ Worried they’ll outlive their money—or lose their independence
And most don’t realize they have another option. The Protected HELOC Approach® is a unique strategy that blends the flexibility of a HELOC with the security of a reverse mortgage—protected for life, with no mandatory payments and no credit or income requalification ever again.
What You Can Offer (and How We Support You)
When you share the guide, you’re not selling a product. You’re delivering clarity. Confidence. And choices.
Clients receive:
✔️ The Protected HELOC Approach® guide – easy to understand, no obligation
✔️ A 1-on-1 consultation with a co-author Matthew Hines
✔️ A fully personalized strategy built on what’s best for them
You receive:
✔️ Professional support at every step
✔️ Control of the client relationship
✔️ A referral fee if a Protected HELOC® is completed
✔️ Access to our full-scope mortgage solutions (not just reverse mortgages)
Real Results from Real Canadians
✅ Katherine (74), Toronto
“Still working. In pain. Scared of what would happen if she got sick.”
Solution:
Paid off mortgage + car loan, and created a $2,500/month tax-free annuity using home equity. She retired—with dignity—and started living again.
✅ Michael (64), London
“Thought he’d be in debt until 85.”
Solution:
Replaced an $800/month mortgage with a no-payment solution. Accessed $81K for repairs and emergency planning.
✅ Tanweer & Ramjit (68), Mississauga
“Wanted control over their HELOC, not volatility.”
Solution:
Replaced HELOC, renovated kitchen, contributed $90K to TFSAs, and retained full ownership of their home.
“This isn’t about selling a mortgage. It’s about changing lives.”
What Makes This Different?
✔️ No income or credit requalification
✔️ Lifetime security with optional repayment
✔️ No bank recalls, renewals, or forced sales
✔️ Clients retain full ownership
✔️ Tax-free income that doesn’t affect CPP/OAS/GIS
✔️ You remain the client’s trusted advisor
How to Partner With Us
Get Started in 3 Simple Steps:
Request Your Advisor Copy of the Guide
Get a personalized version of The Protected HELOC Approach® to review or share.
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, you’ll receive a referral fee as our thank-you.
I agree to be contacted with helpful insights and answers to my questions after receiving my guide.
Schedule A Call
Want to Learn more about the Protected HELOC Approach?
Locations:
*Located inside the Royal LePage Signature Realty Offices.
(416) 908-2070
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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