It is a financial solution designed specifically for homeowners aged 55 and older. It allows you to access up to 55% of your home's value in tax-free cash without having to sell your home or make any monthly mortgage payments.

Yes, absolutely. You retain the title and maintain full ownership. You are simply borrowing against the equity you’ve built. My promise to you: You stay in control.

No. This is the biggest advantage. You are not required to make any principal or interest payments as long as you live in the home. The loan is only repaid when you choose to move or sell.

To qualify, you must be 55 years of age or older and own your primary residence in Canada.

The amount depends on your age, the location of your home, and its current market value. Generally, you can access between 15% and 55% of your home's value.

You have total flexibility. You can receive it as a:

• Single lump sum.
• Planned monthly or quarterly installments.
• A combination of both.

No. The money you receive is a loan, meaning it is 100% tax-free. It does not count as income and will not affect your Old Age Security (OAS) or Guaranteed Income Supplement (GIS) benefits.

When the home is eventually sold, the loan is repaid using the proceeds. In the vast majority of cases, there is still significant equity left over for your heirs. Most homeowners find that the appreciation of their home's value over time helps offset the interest on the loan.

No. This is protected by a Negative Equity Guarantee. As long as you maintain the home, pay your property taxes, and insurance, you will never owe more than the fair market value of the home at the time of sale.

The first step is a simple, confidential conversation. I will provide you with a free, no-obligation assessment to show you exactly how much you qualify for.

I highly encourage it. Transparency is key. I am more than happy to meet with you and your children or financial advisor together to answer everyone's questions.