If you’re over 55 and own your home, chances are you’ve built up a lot of equity.

But here’s the catch:
You can’t spend home equity at the grocery store.
You can’t use it to pay bills, cover medical costs, or help your kids.

And many Canadians find themselves “house rich, cash poor” in retirement, stuck between wanting financial freedom and not wanting to sell the home they love.

That’s where the Freedom Mortgage™ comes in.

What Is a Freedom Mortgage?

A Freedom Mortgage is a flexible mortgage solution designed for Canadian homeowners aged 55+.

It allows you to access up to 55% of your home’s value as tax-free cash, without selling your home, moving, or making monthly payments.

You stay on title. You stay in control. You decide how to use the money.

Why Homeowners Choose the Freedom Mortgage

Thousands of Canadians are turning to this option because it offers something traditional mortgages, HELOCs, and refinancing can’t:

• No monthly payments

• No income or credit requirements

• Tax-free cash (doesn’t affect CPP or OAS)

• You remain the legal homeowner

• The loan is repaid only when you move, sell, or pass away

You can use the funds to:

• Pay off your existing mortgage

• Avoid high renewal interest rates

• Cover medical expenses or home renovations

• Support your children or grandchildren

• Simply enjoy retirement without financial stress

Real Canadians. Real Results.

Here are just a few real-world examples of how a Freedom Mortgage changed lives:

• Alex & Sam (Toronto)
  Divorcing later in life, they needed separate homes but wanted to keep the family home for their kids. They accessed $360,000 through a Freedom Mortgage to restructure everything, without monthly payments.

• The Thompsons
  Their mortgage renewal letter came with a huge payment increase. Instead of locking into high rates, they used a Freedom Mortgage to pay off their mortgage completely, and keep their budget stable.

• Jen (Age 60s)
  After a cancer diagnosis and financial hardship, Jen used her home equity to pay off medical debt and renovate her home so she could safely age in place, with dignity and comfort.

• Sarah (Single parent)
  After losing a job, Sarah was struggling to pay the mortgage and care for her children. The Freedom Mortgage helped her pause payments, regain control, and stay in her home.

How It Works (At a Glance)

Common Misconceptions (Cleared Up)

“I’ll lose my home.”
No, you stay on title and remain the legal homeowner.

“My kids will be stuck with the debt.”
The loan is repaid from the home sale. Any leftover equity goes to your estate.

“It’s too expensive.”
While interest accrues, there are no monthly payments, and you retain full control of the money. Plus, most clients still have equity left at the end.

“It’ll impact my government benefits.”
No, this is tax-free cash and doesn’t affect CPP, OAS, or GIS.

Who Is the Freedom Mortgage For?

• Canadian homeowners aged 55+

• People who want to stay in their home long-term

• Retirees who are struggling with cash flow

• Those looking for financial flexibility without selling

• Families navigating divorce, medical issues, or unexpected income loss

• Adult children helping aging parents stay independent

It’s not the right fit for everyone, but for the right person, it can be a life-changing financial tool.

Want to Learn More?

I created the Freedom Mortgage Guide to help you understand everything in plain language, no sales pressure, no confusing jargon.

Inside the guide, you’ll find:

• How it works

• What it costs

• Who it’s best for

• How much equity you could access

• What happens when the home is sold

• How to compare this with HELOCs, refinancing, or downsizing

[Click here to download the free guide]

Ready to Talk It Through?

If you want to see how much tax-free cash you could unlock, or just want real answers without a sales pitch - I’m here to help.

📍 Alan Borcic, Mortgage Strategist
📞 647-694-7033
📧 [email protected]

Let’s find out if the Freedom Mortgage is the right fit for your goals.

Final Thought

Most people only make a decision like this once in their life. You deserve to make it with full clarity, confidence, and control.