Make the Smart Switch Today

Switching to a Protected HELOC® is simple, safe, and fast.

60+ homeowners celebrating their new found retirement freedom - The Protected HELOC - Reverse Mortgage Alternative

Get Pre-Approved in 90 Seconds.

Submit the form in just 90 seconds, receive your approval within 24 hours, and access funding in 21 days — all while staying in control of your home and equity.

Start Your Pre-Approval Here!

We’re here to help you find the best solution for your needs. A Protected HELOC® is primarily based on two key factors: your age and the amount of equity in your home. Unlike traditional mortgages or HELOCs, credit rating and income are not as important. As mortgage brokers specializing in senior mortgages, we have the expertise to help you navigate the process with confidence. Our team is here to ensure that you fully understand your options, get the best solutions that are tailored to your needs.

Do you currently enjoy the comfort of owning your own home? *

Yes

This helps us understand your current situation. You need to be a homeowner to obtain a Protected HELOC®. There are exceptions, though: if you're in the process of purchasing a home or need financing for vacant land, we can also assist with that! Our brokerage is capable of handling Protected HELOC® for purchases, as well as offering private mortgage financing for vacant land requiring construction financing.

Could you kindly provide the address of your property?

Address

Street Address *

City

Province

Postal code

While income is not typically a factor for qualifying for a Protected HELOC®, we ask this to understand your financial situation and ensure that the Protected HELOC® fits your long-term needs.

We're asking about the number of bedrooms in your home so we can better understand the layout and size of your property. This helps us assess the overall value and make sure we’re offering the right options for your needs.

Could you let us know how many bathrooms your home has for your comfort? *

1 Bathroom

2 Bathrooms

3 Bathrooms

More than 3 bathrooms

The number of bathrooms is another important factor in determining your home’s value. By knowing this, we can provide more accurate estimates and ensure your home’s value is considered fairly in the pre-approval process.

How would you describe the size of your home in terms of square footage? *

Knowing the size of your home (in square footage) helps us better understand its market value. It allows us to provide a more accurate pre-approval that reflects your home’s worth and the potential equity you may be able to access.

What is the size of your property’s lot, where you enjoy your outdoor space? *

The size of your lot is important as it can impact the overall value of your home. A larger lot might increase your home’s value, which helps us provide you with a more accurate assessment for the reverse mortgage process. We are just looking for your 'best guess' at this time.

How long have you called this home yours, creating memories and enjoying it? *

1 to 3 years

4 to 10 years

11 years or more

This helps us understand your equity position in the home. While you do not need to have owned the home for a certain length of time, it is important for us to know how much equity you may have built up.

Could you share the type of property you own—whether it’s a house, townhouse, or condo? *

If your property type is not listed, please provide additional details so we can assess whether it is eligible for a Protected HELOC®.

If it’s a unique property, please feel free to share more details so we can understand your situation fully.

How would you describe your property in comparison to others in your neighborhood? *

Better than average

Similar to others

Worse than average

This gives us a sense of whether your home is above or below average in terms of condition or value, which can impact the loan amount for which you may qualify.

If your home is in better-than-average condition, what improvements or updates have you made to enhance its value?

Understanding any recent improvements or upgrades to your property can help us estimate its current value and your equity, which is important for calculating your Protected HELOC® eligibility.

If there are areas of your home that need attention, could you share what repairs or improvements are needed?

If your property needs repairs, this could impact its value. We’d like to know if there are areas of your home that require attention so we can factor that into our recommendation.

Does your home feature a basement suite? *

Yes

Some homes that have an upper / lower floor design are easy to renovate to create a rental suite. We can add this cost into our funding solution.

If you have additional living space in your basement that could be made into a rental suite, would you like funding to do that? *

Yes

Creating a rental suite produces predictable monthly income that greatly improves lifestyle. Encouraged wherever it makes sense.

Do you currently have fire or home insurance to protect your property? *

Yes

Home insurance is required for a Protected HELOC® to ensure your property is covered in the event of damage or loss.

Do you currently have any life insurance | mortgage protection insurance | disability or accidental death insurance? *

Yes

We want to ensure that obtaining a new mortgage won’t affect any existing insurance coverage. It may be necessary to replace or update certain policies to ensure they still serve their intended purpose. This type of insurance can provide important financial security, particularly if you face health challenges in retirement. Please note, having insurance is not a requirement to qualify for a Protected HELOC®.

Are you currently covered by creditor insurance to protect yourself financially? *

Yes

Often, when a Protected HELOC® is taken out, all existing debts, such as credit cards, any outstanding mortgages, and even car loans, are paid off. Once these debts are fully settled, it’s important to review whether continuing to pay credit insurance premiums is still necessary. You may notice potential savings. We recommend consulting with an insurance broker to determine if such coverage is still required.

Are there any ongoing or pending legal matters we should be aware of that could impact the process? *

Yes

We need to know if any legal actions could affect your ability to move forward with a Protected HELOC®.

Have you experienced bankruptcy or a consumer proposal within the last six years? *

Yes

While not necessarily disqualifying, this helps us understand your financial history and any potential concerns related to your mortgage application.

Are your assets currently involved in any marriage or separation agreements that we should be aware of? *

Yes

We ask this to ensure there are no complications regarding your home ownership or its eligibility for a Protected HELOC®.

Do you own any additional properties, either solely or jointly with someone else? *

Yes

This is to assess your full financial picture and ensure we account for any other assets that may affect your Protected HELOC® eligibility.

Are you co-signing any loans for another person or acting as a guarantor? *

Yes

If you are a co-signer, this may affect your financial obligations, but it doesn’t typically impact your eligibility for a Protected HELOC®.

Have you or anyone close to you ever held a prominent public position in a foreign country? *

Yes

Don't know

Have you or anyone close to you ever held a prominent public position within Canada? *

Yes

Don't know

Have you or anyone close to you ever held a leadership role in an international organization? *

Yes

Don't know

With a Protected HELOC® it is possible to create an additional non-taxable income to supplement your existing retirement income. Would you like to know more about this opportunity?

Yes

Not sure

For example, you can receive a fixed monthly payout with a Home Equity Tax-Free Annuity, or access funds through a MasterCard, which allows up to $2,000 in monthly spending, resetting back to $2,000 the next month. The MasterCard program offers the lowest card rate in Canada (e.g., 7.99% or less, fixed for your mortgage term); with no monthly payments required! Both are non-taxable and will not affect existing OAS/GIS supplemental income benefits. Both these income options are designed to supplement your existing retirement pensions.

How familiar are you with the Protected HELOC®, and would you like more information to help guide your decision? *

Seen Ads but don't really understand it

Some Knowledge but have some/many questions

Researched Reverse Mortgage and know how it works

This helps us tailor our communication to your level of understanding and ensure we explain all aspects of the Protected HELOC® clearly to you.

Have you had the chance to open and review The Protected HELOC Approach® to help you better understand the process? *

Yes

If you haven’t already, we strongly encourage you to read the guide(s), as it provides essential information about how these mortgages work.

Will you commit to reading the guide(s) before we proceed with your funding, so you feel fully informed? *

Yes

This is to ensure that you are fully informed before committing to a Protected HELOC®. We want you to feel confident and knowledgeable about your decision.

Will you agree to seek independent legal advice before finalizing your Protected HELOC® funding? *

Yes

A lawyer will provide you with impartial legal advice to ensure that you fully understand the mortgage agreement and its implications before proceeding with the funding.

Your marital status is relevant for determining how your property is held and any potential impact on the Protected HELOC® application, especially if you have a spouse or partner.

Are you a proud member of any senior or retiree organizations (like CARP or the Legion) or a paid subscriber to any newsletter or magazine for Seniors? *

Yes

If you belong to a senior or retiree organization, we just need to know which one so we can see if any special benefits or promotions are available for members when using our services.

If you are a member, we’d love to hear which organization(s) you belong to.

Do you currently have a mortgage, second mortgage, or home equity line of credit? *

Yes

We ask this to ensure we are aware of any outstanding debts on your property, as these may affect the Protected HELOC® options available to you.

Could you share the approximate balance(s) owing on your Mortgage and/or Second Mortgage or Home Equity Line of Credit? *

Knowing the balance owing helps us determine how much equity is left in your home, so we can determine the size of your Protected HELOC®.

Do you have any outstanding Credit Card, Unsecured Line of Credit or Personal Loan debt? *

Yes

This helps us understand your overall financial obligations. However, your eligibility for a Protected HELOC® will mainly depend on your home’s equity, not your current debts.

Could you share the approximate balance owing on Credit Cards?

Could you share the approximate balance owing on Personal Loans?

Could you share the approximate balance owing on Unsecured Line of Credit?

Do you have a car loan or lease that you’re currently managing? *

Yes

This question is to assess all your current liabilities. However, your car loan or lease will not typically affect your Protected HELOC® qualification.

Could you share the balance and monthly payment of your car loan or lease?

Are you considering any changes in your living situation over the next few years? *

Yes

Not sure

Understanding your future plans helps us recommend the best financial strategy for your situation. A Protected HELOC® is typically a long-term solution, so we want to make sure this fits your plans.

If your home might need adjustments in the near future, we’d love to hear your thoughts and ideas.

If there are concerns about your home no longer meeting your needs, such as accessibility or size issues, we want to understand them so we can suggest the most appropriate options for your financial security.

What would you estimate the current value of your home to be? This helps us create the best solution for you. *

Again, we are only look for your 'best guess' for value from either an older appraisal, recent property assessment or the sale of place close to you that is similar to yours

Primary Applicant

First Name *

Last Name *

Email *

Phone *

What is your current Age? *

What is your Gender? *

Male

Female

Is there anyone else who shares ownership of your home, such as a spouse or partner? *

Yes

If there is another co-owner of the property, we need to include them in the Protected HELOC® process. Both owners must typically be involved in the decision and application process.

Co-Applicant

Co-Applicant First Name

Co-Applicant Last Name

Co-Applicant Email Address

Co-Applicant Phone Number

Co-Applicant Age

Co-Applicant Gender

Male

Female

How would you rate your credit score(s)? *

Good (Good - Excellent)

Bad (Average - Poor)

Ugly ("Bad things happen to Good people")

Since Protected HELOC® are primarily based on home equity, your credit rating is not as critical as it would be for other types of loans. This helps us gauge any potential concerns, but does not, on its own, affect qualification.

Are you open to staying in touch with us through any preferred method—text, email, or phone—to ensure you feel supported? *

Yes

We want to ensure open communication throughout the process. Please feel free to reach out with any questions at any time.

Please share the best time to contact you so we can discuss your pre-approval at your convenience? *

Morning

Afternoon

Evening

Do you confirm that your information is accurate and will remain current unless updated? *

Yes

Captcha

Mortgage Broker/Agent: Matthew Hines - Phone:416-908-2070 - Email: [email protected]

The Protected HELOC®: Flexible like a HELOC. Guaranteed like a Reverse Mortgage. Protected for life.

Locations:

Address: 5094 Lochside Drive Victoria, BC V8Y 2E9

(236) 300-3439

[email protected]

Home N Work Mortgages Inc.

5094 Lochside Dr, Victoria, BC V8Y 2E9, Canada

The Protected HELOC Approach® - Reverse Mortgage and HELOC Alterative or 60+ Homeowners

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. Gregory Stanley, CFP | Mortgage Broker, BC & Alberta - Helping Canadian homeowners aged 60+ enjoy more financial freedom.

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