Two Licensed Specialists. One Shared Standard: Tell You the Truth.
Help Your Clients Age 60+ Unlock Tax-Free Equity — Safely
Stanley-Hines is the co-brand of Matthew Hines and Gregory Stanley — co-authors of The Canada Reverse Mortgage Guide®, co-creators of the Protected HELOC Approach®, and independent reverse mortgage specialists serving Ontario, BC, and Alberta.
Why This Site Exists
Most reverse mortgage information in Canada is written by lenders, for lenders. The glossy brochures. The TV ads. The calculators that only show one lender's product.
We built something different. An independent, plain-language resource for Canadian homeowners 55+ who want to understand their options before they talk to anyone — and who want to be treated like adults when they do.
Matthew came to reverse mortgages through a family situation. Someone he cared about was house-rich and cash-limited, trying to figure out how to stay in the home they'd lived in for 35 years without making a financial mistake they couldn't undo. The advice they were getting was incomplete, inconsistent, and occasionally just wrong.
Gregory came to them through decades of sitting across kitchen tables in BC and Alberta, watching retirees make consequential decisions with incomplete information — sometimes guided by advisors who didn't fully understand the product they were recommending.
We arrived at the same conclusion from different directions: Canadians deserve a better starting point than a lender brochure.
What Stanley-Hines Is
Stanley-Hines is not a corporation. It is not a lender. It is a collaboration.
Matthew Hines and Gregory Stanley operate through separate licensed brokerages — Dominion Lending Centres Edge Financial in Ontario, and Home N Work Mortgages Inc. in BC and Alberta. What they share is a philosophy, a body of work, and a standard for how retirement home equity advice should be given.
That shared work includes The Protected HELOC Approach® — a retirement home equity planning framework for Canadian homeowners 60+ — and The Canada Reverse Mortgage Guide®, available free here and on Amazon.
The Gap We Kept Seeing
A reverse mortgage is one of the most consequential financial decisions a Canadian homeowner will make. The product is well-regulated, genuinely useful for the right borrower, and frequently misunderstood — sometimes by the people selling it.
The gap we kept seeing: Canadians who had heard of CHIP but didn't know there were three other lenders. Borrowers who signed without understanding the renewal rate structure — the question that determines long-term cost more than any other. Families who learned about a reverse mortgage for the first time at the estate settlement table.
This site was built to close that gap. Every page, every article, every guide, and every calculator is written with one standard: what would we want a close friend or family member to know before making this decision?
"We work with all Canadian reverse mortgage lenders. We have no financial incentive to recommend one over another. The right product for each borrower depends on their age, property, draw needs, timeline, and how long they plan to hold the mortgage. We find that product. Sometimes it's CHIP. Sometimes it isn't."
Meet The Team
Matthew Hines, CRMS, CSEC
Mortgage Agent Level 2 — Ontario Dominion Lending Centres Edge Financial | FSRA M09000211
Matthew has spent over two decades helping Ontario homeowners navigate the home equity decisions that matter most in retirement. He holds the Canadian Reverse Mortgage Specialist (CRMS) designation, works with all four Canadian reverse mortgage lenders, and co-authored The Canada Reverse Mortgage Guide®. His approach is simple: understand the whole picture first, then find the structure that actually fits — even if that structure isn't a reverse mortgage.
📞 647-372-0762 | Mon–Fri: 9am–6pm EST
✉️ [email protected]
Gregory Stanley, CFP, CSEC
Mortgage Broker — BC & Alberta Home N Work Mortgages Inc. | BCFSA & RECA Licensed
Gregory has spent decades helping homeowners across BC and Alberta build retirement plans that actually hold up under pressure. As a Chartered Financial Planner and co-author of The Canada Reverse Mortgage Guide®, he brings a planning lens most mortgage brokers don't have — which means the reverse mortgage conversation always happens inside the bigger picture, not instead of it.
📞 236-300-3439 | Mon–Fri: 9am–6pm PT
✉️ [email protected]
How a Consultation Works
A free consultation is not a sales call. Here's what it is.
Before the call, you'll have access to the prequalification tool — which gives you estimated amounts across all four lenders based on your age, home value, and location. The call builds on that starting point.
During the call, we'll cover your specific situation, what you're trying to accomplish, how a reverse mortgage does or doesn't fit, and — if it fits — which lender and product structure makes the most sense for you. If a reverse mortgage isn't the right answer, we'll say so. That conversation has happened many times. We'd rather have it upfront than have you sign something that doesn't serve you.
If you decide to proceed, we'll produce a written prequalification report comparing all four lenders side by side — costs, rates, terms, conditions, and a projected equity analysis. You'll see the full picture before you make any commitment.
How We Are Paid
Matthew Hines holds a Level 2 Mortgage Agent licence with the Financial Services Regulatory Authority of Ontario (FSRA M09000211). Verify at fsrao.ca →
Gregory Stanley holds a Mortgage Broker licence in BC and Alberta through Home N Work Mortgages Inc. Verify BC licence at BCFSA → | Verify AB licence at RECA →
The information on this site is produced independently. We are not compensated by any lender for editorial coverage, and no lender can purchase placement or favourable treatment in our content. We receive a standard broker fee from the lender when a mortgage is funded — the same fee, regardless of which lender is chosen.
Frequently Asked Questions (FAQs)
What is Stanley-Hines?
Stanley-Hines is the co-brand of Matthew Hines and Gregory Stanley — two licensed retirement mortgage specialists who share a philosophy and a body of work but operate through separate licensed brokerages. It is not a corporation and not a lender. Stanley-Hines created the Protected HELOC Approach® and co-authored The Canada Reverse Mortgage Guide®.
Who are Matthew Hines and Gregory Stanley?
Matthew Hines is a Mortgage Agent Level 2 licensed in Ontario (FSRA M09000211) through Dominion Lending Centres Edge Financial, holding the CRMS and CSEC designations. Gregory Stanley is a Chartered Financial Planner (CFP) and licensed Mortgage Broker in BC (BCFSA) and Alberta (RECA) through Home N Work Mortgages Inc., also holding the CSEC designation. Together they co-authored The Canada Reverse Mortgage Guide® and co-created the Protected HELOC Approach®.
What is the Protected HELOC Approach®?
The Protected HELOC Approach® is a retirement home equity planning framework co-developed by Matthew Hines and Gregory Stanley for Canadian homeowners age 60+. It is not a single product or lender — it is a structure-first approach providing flexible or optional payments, fixed-rate lockups, no renewal or re-qualification risk, and guaranteed equity access for life, while the homeowner remains on title.
Where does Stanley-Hines operate?
Stanley-Hines serves Canadian homeowners through Matthew Hines in Ontario and Gregory Stanley in BC and Alberta. Both specialists are independently licensed through their respective provincial regulators.
Is Stanley-Hines affiliated with any lender?
No. Stanley-Hines is completely independent. Matthew and Gregory work with all four Canadian reverse mortgage lenders and receive the same standard broker fee regardless of which lender is chosen. No lender compensates Stanley-Hines for editorial coverage or product recommendations.
Gregory has spent decades helping homeowners across BC and Alberta build retirement plans that actually hold up under pressure. As a Chartered Financial Planner and co-author of The Canada Reverse Mortgage Guide®, he brings a planning lens most mortgage brokers don't have — which means the reverse mortgage conversation always happens inside the bigger picture, not instead of it.
Gregory Stanley, CFP, CSEC | Mortgage Broker
Home N Work Mortgages Inc. | BCFSA & RECA Licensed
5094 Lochside Drive Victoria BC V8Y 2E9
236-300-3439 | Mon–Fri: 9am–6pm PT
Matthew has spent over two decades helping Ontario homeowners navigate the decisions that matter most in retirement. He holds the Canadian Reverse Mortgage Specialist (CRMS) designation, works with all four Canadian reverse mortgage lenders, and co-authored The Canada Reverse Mortgage Guide®. His approach is simple: understand the whole picture first, then find the structure that actually fits — even if that structure isn't a reverse mortgage.
Matthew Hines, CRMS, CSEC | Mortgage Agent Level 2
Dominion Lending Centres Edge Financial | FSRA M09000211
Independently Owned & Operated #10710
8 Sampson Mews, Suite 201 Toronto ON M3C 0H5
647-372-0762 | Mon–Fri: 9am–6pm EST
The Protected HELOC®: Flexible like a HELOC. Guaranteed like a Reverse Mortgage. Protected for life.
Educational content provided by Stanley-Hines — Matthew Hines and Gregory Stanley. Co-authors of The Canada Reverse Mortgage Guide® and co-creators of the Protected HELOC Approach®.
Protected HELOC® and the Protected HELOC Approach® is a registered trademark of Stanley-Hines, 2025. All rights reserved. Helping Canadian homeowners aged 60+ enjoy more financial freedom. Copyright 2025 Privacy Policy | FAQs | Sitemap