Plain Talk. Real Answers. From People Who Actually Know This Product.
This site exists because 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.
- Why this site exists -
What Is Stanley-Hines
Stanley-Hines is the co-brand of Matthew Hines and Gregory Stanley — two licensed retirement mortgage specialists and co-authors of The Canada Reverse Mortgage Guide® and co-creators of the Protected HELOC Approach®. Operating through separate licensed brokerages in Ontario, BC, and Alberta, Stanley-Hines produces independent educational resources for Canadian homeowners navigating home equity decisions in retirement.
The Canada Reverse Mortgage Guide® — our complete, plain-language book on how reverse mortgages work in Canada — is available free on this site, and published on Amazon Canada: The Canada Reverse Mortgage Guide® on Amazon →
- The Basics -
How We Came Together
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.
Gregory came to them through years 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. That's the resource this site is built to be.
- The Basics -
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 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, caught off guard in ways that created stress and sometimes conflict.
This site was built to close that gap. The pillar pages, the blog articles, the free guide, the calculator — all of it 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."
- The Process -
What actually happens when you book a call.
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 Canadian 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's happened more than once, and we'd rather have that conversation upfront than have you sign something that doesn't serve you.
If you decide to proceed, we'll produce a written prequalification report comparing lenders side by side — costs, rates, terms, conditions, and a projected equity analysis based on a conservative 3.5% annual home value growth rate and the historical rate for your specific property type and area. You'll see the full picture before you make any commitment.
01
Try the calculator
No personal info required. See estimated amounts across all Canadian reverse mortgage lenders.
02
Download the free guide
Understand the product completely before you talk to anyone.
03
Book a free call
30 minutes. Your questions. Honest answers. No obligation.
04
Get the written report
Full lender comparison, equity projection, and a clear recommendation. Or a clear explanation of why we're recommending something else.
- A Note On Independence -
How we're paid, and what that means for you.
Matthew Hines holds a Level 2 Mortgage Agent license with the Financial Services Regulatory Authority of Ontario (FSRA #M09000211). You can verify this at any time at fsrao.ca.
Gregory Stanley holds a Mortgage Broker license in BC (BCFSA) and Alberta (RECA) through Home N Work Mortgages Inc. You can verify this at the BCFSA registry or RECA registry. We'd encourage you to verify both — that's exactly the kind of due diligence this site was built to support.
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 favorable treatment in our content.
Ready to get some straight answers?
Book a free 30-minute call. Bring your questions — there's no such thing as a silly one when it comes to your home and your retirement. Choose your province to connect with the right specialist.
Your Retirement. Your Equity. Your Options
Let's build a plan that gives you confidence for today and freedom for tomorrow.
- Your Trusted Advisors -
- Explore Our Resources -
Canada's trusted plain-language resource for reverse mortgage information. Helping Canadian homeowners 55+ unlock the value in their homes with confidence, clarity and a plan for a better retirement.
Two experienced professionals. One common goal: Helping you make informed decisions with confidence.
Matthew Hines CRMS, CSEC
Mortgage Agent Level 2
Matthew has spent two decades helping Ontario homeowners navigate the decisions that matter most in retirement. He holds the Canadian Reverse Mortgage Specialist (CRMS) designation, works with 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
Gregory Stanley CFP, CSEC
Mortgage Broker
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
Independent Advice
We are not owned by any lender. Your best interests come first.
Education First
Clear information so you can make confident decisions
Private & Secure
Your information is never shared. Your privacy is always protected.
100% Canadian
We understand Canadian Home Owners, because we are one.
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Reverse mortgage loans are provided by Canadian lenders. Terms, conditions and rates apply. This site is for educational purposes only and does not constitute financial or legal advice. Please speak with a qualified professional to discuss your specific situation.
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