Rewind Mortgage understands that homeowners aged 55 and up want both security and flexibility. Under Peter Fabry’s guidance, Rewind Mortgage shows clients how strategic mortgage planning—even before considering a Reverse Mortgage—can reduce taxes, unlock equity, and lay the groundwork for a comfortable retirement.

Turning Your Home into a Tax-Advantaged Asset

Many retirees believe their home is simply a place to live. Rewind Mortgage reframes it as a vehicle for tax savings and portfolio growth:

• Low-Equity Loans
  Seniors often have substantial equity. By using a portion of that equity to refinance into a low-interest mortgage, Peter Fabry helps clients claim additional mortgage interest deductions—legally reducing taxable income.
  

• Equity Recycling
  Instead of letting home equity sit idle, Rewind Mortgage guides clients through a refinance-and-invest cycle. Withdrawn funds can be redirected into income-producing investments or rental properties, creating new streams of tax-deductible interest and expenses.

Case Example: The Andersons’ Next Chapter

After 30 years in their Toronto home, the Andersons had 65% equity. Rewind Mortgage’s team arranged a refinance that:

1. Pulled out $150,000 for a rental down payment in Kelowna.

2. Shifted mortgage interest to the rental property, producing tax deductions.

3. Reinvested cash flow into a diversified income portfolio.

Over five years, they saw:

• $12,000 in annual tax savings.

• Rental income covering their secondary mortgage payment.

• A growing nest egg without touching registered retirement accounts.

When and How You Can Use a Reverse Mortgage

A Reverse Mortgage is a powerful tool—but it’s only available on your primary residence. Here’s why it matters:

• Retain Home Ownership
  With a Reverse Mortgage on your principal home, you keep full title and all future appreciation.

• Tax-Free Cash
  Receive funds as a lump sum, line of credit, or interest-only payment—completely tax-free.

• No Monthly Payments
  You don’t repay until the last borrower permanently leaves or sells the home.

Important: Reverse Mortgages cannot be used on rental or secondary properties—they apply solely to the home you live in.

Collaborating with Your Trusted Advisors

Rewind Mortgage’s client-centered approach means Peter Fabry works closely with your accountant and financial planner at every step:

1. Accountant
   Ensures all deductible mortgage interest and expenses flow through your tax filings correctly.

2. Financial Planner
   Maps mortgage-driven liquidity into your retirement income plan, preserving registered assets.

3. Rewind Mortgage
   Selects the right lenders—prioritizing approval, flexible terms, and future portability—to keep your options open.

“Our clients sleep better knowing we’ve built a plan that grows their wealth, minimizes tax, and retains their home ownership,” says Peter Fabry.

Key Benefits for Seniors

Next Steps with Rewind Mortgage

Rewind Mortgage makes advanced mortgage strategies accessible for seniors and their families. Whether you’re exploring tax-saving refinances or a Reverse Mortgage on your primary residence, Peter Fabry and his team provide clear guidance, transparent fees, and compassionate support.

To schedule your personalized review, contact Rewind Mortgage today:

📞 289-312-6333
📩 info@rewindmortgage.ca

Rewind Mortgage is dedicated to seniors’ financial independence. Under Peter Fabry’s leadership, we blend empathetic service with creative mortgage solutions to help you enjoy life on your terms.