Mortgage into Retirement & Reverse Mortgages · Vancouver Island & BC
Your home can support the retirement you have earned.
Retirement changes the questions you ask about your home. Maybe you want to supplement your income, help your children with a down payment, fund a renovation, or improve your monthly cash flow, all without giving up the home you love.
You have options, from traditional financing to reverse mortgages, and the right one depends entirely on your goals. Since 2009, I have helped homeowners across Vancouver Island and all of BC look at every path honestly, with no pressure.
What we cover together
Every option, explained honestly.
Why work with me
A reverse mortgage is not right for everyone. I will tell you honestly.
A reverse mortgage can be genuinely life-changing for the right person, but it is not the right fit for everyone. Sometimes a traditional refinance or another option serves you better. I explain each path in plain language, including what it costs and how it affects your equity, so your decision is fully informed and your family is looked after.
You work directly with me, and because my process is fully virtual, I help homeowners across the Island and all of BC.
Since 2009
Helping BC homeowners
15+ years
Experience
119
Five-star reviews (4.8)
How it works
Getting started is simpler than you think
01 Let's talk
Tell me what you are hoping to achieve in retirement, whether that is income, a lump sum, or peace of mind. Book a call and let's start there.
02 I build your plan
I lay out every option honestly, including a realistic picture of what a reverse mortgage would mean for you specifically.
03 I stay with you
I remain your resource, and your family's, as your needs and plans evolve.
Common questions
Retirement mortgage questions I am asked all the time
Do not see your question here? Book a free consultation and I will answer it directly.
Who qualifies for a reverse mortgage in Canada?
Canadian homeowners aged 55 or older who own their primary residence. If the home is jointly owned, both owners generally must be 55 or older. The home must be in reasonable condition and in an eligible area. I will confirm whether you qualify.
Do I have to make monthly payments on a reverse mortgage?
No. With a reverse mortgage, no monthly mortgage payments are required. Interest accrues and is added to the balance, which is repaid when you sell, move out, or pass away. This is a big part of why it appeals to homeowners who want to ease their cash flow.
How much can I access with a reverse mortgage?
Generally up to about 55 percent of your home's value, depending on your age, your home's location, and the lender. The older you are, the more you can typically access. I will give you a realistic estimate for your situation.
Is a reverse mortgage right for me?
It can be genuinely life-changing for the right person, but it is not the right fit for everyone. Sometimes a traditional refinance or another option serves you better. I will give you an honest, pressure-free assessment.
Do I have to live near Port Alberni to work with you?
Not at all. My process is fully virtual, so I help homeowners across Vancouver Island and all of British Columbia through phone, video, secure document uploads and electronic signatures.
Wondering how to make your equity work in retirement?
Let's talk through your options, with an honest picture and no pressure.
If you would like to speak sooner, reach me directly at 250-731-9194
