This Month

Two Ways Your Home Can Work Harder for You

Hi there,

Spring is on the way, the Chinooks are doing their thing, and it's a great time to step back and look at the big picture. A lot of my clients don't realize that the home they already own can solve two of the biggest financial headaches I see every day: mounting debt and retirement cash flow.

This month I want to walk you through both — plus a small request at the end.

Here's a conversation I have almost every week: someone sits down with me and starts listing what they owe. A credit card at 20%. Another at 22%. A car loan at 7%. A line of credit at 8%. Maybe a furniture loan from that "don't pay for 12 months" deal that's now charging 29%.

They're making five or six different payments every month — hundreds or thousands of dollars — and barely making a dent because most of it is going straight to interest.

The math is punishing. If you owe $25,000 on credit cards at 20% and make only minimum payments, you'll pay over $30,000 in interest alone and it'll take over 25 years to clear it.

A debt consolidation refinance takes all those balances and rolls them into your mortgage — one payment, one rate, often under 5%. The interest savings are dramatic, and the monthly relief is immediate.

That's $9,360 back in their pocket every year. And they're actually paying the debt off now, instead of treading water.

The key is doing it before things spiral. If your home has equity, you likely have options you haven't considered. A 15-minute call is all it takes to find out.

Most people think a reverse mortgage means getting a big lump sum of cash. And yes, you can do that. But here's what most people don't know:

You can also receive regular monthly payments — like a paycheque from your own home.

Imagine getting an extra $1,000, $1,500, or even $2,000+ deposited into your bank account every month — tax-free — without selling your home, without moving, and without making any payments back. That's real. That's how many of my clients 55 and older are using reverse mortgages right now.

And let me be clear on a few things I get asked every single time:

If you're 55+, own your home, and CPP and OAS aren't quite covering what they used to — or if you just want more breathing room — this is worth a conversation. I've helped clients go from choosing between groceries and prescriptions to having real financial peace of mind.

If this sounds like you — or like someone you care about (a parent, a neighbour, a friend) — please share this with them or have them call me. The consultation is free and there's absolutely zero pressure.

My phone has been ringing a lot more lately. First-time buyers getting ready for spring. Homeowners finally tackling that renewal they've been putting off. Families looking to consolidate debt before it gets any bigger. Retirees asking about reverse mortgages for the first time.

And almost every one of those conversations started the same way: "So-and-so gave me your number."

That's you. That's your trust showing up in my phone calls, my inbox, and my calendar. I don't have a billboard on Macleod Trail or a team of salespeople. I have you — and honestly, that's better than any marketing campaign I could buy.

So thank you. For the referrals this quarter. For the kind words. For trusting me with your mortgage and trusting me enough to send the people you care about my way. I take that seriously — every single time.

Spring is here. I'm ready. And if you or anyone you know needs anything — you know where to find me.

— Shawn

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