Our Lending Partners
Why Retire Right?
If you’re 55 or older and a Canadian homeowner, your home may be the key to a more comfortable retirement. The Retire Right program helps you turn home equity into tax-free cash—without selling or making monthly mortgage payments.
Whether you’re looking to supplement your income, cover unexpected expenses, or enjoy the retirement you’ve earned, Retire Right puts control back in your hands.
The Retire Right Home Equity Program is a tailored solution for Canadian homeowners aged 55 and above, designed to help you safely and strategically access the wealth you have built in your home.
With real estate values at record highs, your home equity can become a powerful financial resource, whether you want to:
✅ Improve monthly cash flow in retirement
✅ Fund home renovations or accessibility upgrades
✅ Help children or grandchildren financially
✅ Cover healthcare or unexpected expenses
✅ Pay down or consolidate your debt
✅ Travel, enjoy life, and plan your legacy
Unlike traditional loans, the Retire Right program provides flexible, low-pressure financing options that align with your long-term financial objectives.
Bob and Jennifer's Story
Finding peace of mind again.
When Bob and Jennifer retired, their income dropped by half, but their bills didn't. They wanted to help their grandson with college and keep their home of 30 years.
Then they found the Retire Right Home Equity Program, guided by Vince Savoia, a licensed Mortgage Agent (Level 2) and an Elder Planning Counselor (EPC).
Together, they created a plan that let them unlock part of their home's value: no pressure, no rush, and no monthly payments.
How the Retire Right Program Works
Step 1: Free Consultation
We’ll meet for a no-pressure chat to understand your goals, review your property value, and explore your eligibility.
Step 2: Customized Equity Plan
We’ll assess your available equity and recommend a plan using reverse mortgage, Home Equity Lines of Credit (HELOCs), or refinance options, whichever best fits your goals.
Step 3: Legal & Appraisal
A professional appraisal is completed, and legal documents are reviewed (we guide you every step of the way).
Step 4: Access Your Funds
Once approved, funds are deposited as you choose, tax-free and in certain circumstances, with zero monthly payment obligations.
Step 5: Ongoing Support
We stay in touch with annual reviews and financial guidance. We’re here for the long haul.
Turn your home equity into financial freedom, on your terms.
Frequently Asked Questions (FAQs)
Q: Will I lose ownership of my home?
No. You remain the complete owner. The loan is repaid when you sell, move out, or pass away.
Q: Can I make payments if I want to?
Yes! You can choose to make interest or lump sum payments.
Q: Are reverse mortgages safe?
Absolutely. They are regulated by the federal government and offered by reputable lenders.
Q: How much money can I access?
It depends on your age, home value, and location. Most clients access 20–55% of their home’s value.
Q: What’s the difference between a reverse mortgage, HELOC, and refinance?
That’s what we’re here for. We’ll compare all options and recommend the one that best fits your goals.
Are you Ready to discover Retire Right?
Let's discuss how your home can work for you, without requiring you to give it up.
✅ No pressure. ✅ No jargon. ✅ No obligation.
Call Vince at (416) 427-4391
Email: vincesavoia@invis.ca