Brenda Marie Dickenson

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Brenda Marie Dickenson

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I’ve helped Ontario homeowners navigate mortgages, refinancing, and renewals for years. Follow for reverse mortgage and home equity solutions for Canadians 55+.

Now, I’m bringing that same mortgage expertise to a growing area of need.

05/10/2026

Reverse mortgages are a terrible idea. I've said this for years.

I hear it all the time.

“They’ll take your house.”

“You’ll have nothing left for your kids.”

“The interest is ridiculous.”

“Just sell the house.”

And honestly?

Sometimes, a reverse mortgage IS the wrong solution. But even I can admit there is a place where a reverse mortgage can make sense. When you want to:

🏡 Stay in the home you’ve spent decades building
💰 Access some of the equity you’ve worked your whole life to create
🏥 Pay for a transition to retirement or long-term care
📉 Eliminate monthly mortgage payments
🧾 Cover unexpected expenses when your income no longer stretches as far as it used to

But there are costs, trade-offs and situations where it doesn't make sense.

My goal isn't to convince you that a reverse mortgage is good. The goal is to figure out whether it is good for you.

So if you've always thought, “I would NEVER get a reverse mortgage…”

Let's talk.

You might change your mind.

Or I might agree with you.

Either way, you'll know the truth about your options.

01/10/2026

You spent decades building your home.

Now, your home may be able to help you enjoy the life you've built.

A reverse mortgage can potentially turn some of your home's equity into accessible funds without requiring you to sell immediately.

Whether it's paying for a retirement residence, long-term care, renovations, or simply creating more financial breathing room, let's look at what your equity could do for you.

30/09/2026

You planned your retirement together.

The mortgage was manageable.
The property taxes were manageable.
The utilities, groceries and everything else were manageable.

But then one spouse passes away.

Suddenly, the household expenses haven’t changed but the household income has.

And while CPP may provide a survivor’s pension, it may not replace the income that was lost. In fact, for a survivor aged 65+, the CPP survivor’s pension is generally based on 60% of the deceased contributor’s CPP retirement pension, subject to CPP rules.

So what happens if the home is your largest asset, but your monthly income is no longer enough to comfortably carry the costs of staying there?

This is where home equity can become part of the conversation.

It isn't the right solution for everyone.

But for some Canadian homeowners, it can provide another source of funds when retirement income doesn't stretch as far as it once did.

Your home may be more than the place you live.
It may also be part of your retirement plan.

If you’re worried about what would happen financially if one spouse were no longer here, let's have a conversation about your options.

Plan for the “what if” before you have to.

28/09/2026

Sometimes, the hardest part of helping your parents is knowing where to start.

Maybe Mom and Dad can no longer stay comfortably in the home they've lived in for decades.

Maybe they're looking at a retirement residence or long-term care.

And suddenly, your family is trying to figure out:

How are we going to pay for this?
Do they have to sell their home right away?
What happens to the equity they've spent decades building?

These aren't just financial questions.

They're emotional ones.

Because you're not just helping your parents figure out money.

You're helping them navigate a major life transition.

A reverse mortgage may be one option that can provide access to some of the equity they've built in their home, giving your family more time and flexibility to figure out what's next.

You don't have to figure it all out alone.

I'm here to help you understand the options, explain the numbers, and make sure you know what you're getting into with transparency, honesty, and no pressure.

If your parents are facing a move into retirement living or long-term care, let's start with a conversation.

Sometimes, having a plan is the first step toward making everything feel a little less overwhelming. ❤️

22/09/2026

Sometimes you're not just helping Mom move.

You're:

Calling the retirement residence.

Talking to the lawyer.

Figuring out the mortgage.

Calling the Realtor.

Trying to sell furniture.

Booking the cleaner.

Finding someone to repair the house.

Arranging the movers.

Sorting through 40 years of belongings.

And somehow you're supposed to keep working and take care of your own family too.

You shouldn't have to coordinate all of that alone.

That's why we're building a service around one simple idea:

One point of contact for the transition.

You shouldn't need a spreadsheet of 17 phone numbers just to help your parent move.

21/09/2026

"What are we going to do with all this stuff?"

It's one of the first things families say when a parent has to leave a longtime home.

And honestly?

It's rarely just stuff.

It's the dining room table where Christmas dinner happened.

The china Grandma gave Mom.

The photographs.

The tools Dad hasn't used in 15 years.

The furniture the kids grew up with.

The memories.

That's why downsizing isn't simply a matter of hiring a junk removal company.

We help families create a plan for what stays, what goes to family, what gets donated, what can be sold and what needs to be removed.

The goal isn't to empty a house.

It's to help a family move forward without feeling like they're throwing away a lifetime.

18/09/2026

A parent moving into long-term care doesn't automatically mean the family needs to sell the house tomorrow.

There may be several options worth exploring.

You might:

• Sell the home
• Keep it temporarily
• Rent it
• Refinance
• Access some of the equity
• Use a reverse mortgage
• Or combine several strategies

The right answer depends on the family's circumstances, the cost of care, if there's a mortgage, the amount of equity and the family's plans.

The important part?

Don't make a major financial decision simply because everyone feels rushed.

Take a breath.

Understand the options.

Then make a plan, with me of course.

28/08/2026

Who doesn’t want a $250 Home Depot Gift Card?

We’re keeping it simple.

To win this draw:

Like this post
And follow Hinchey Homes - Durham Region Real Estate Team Rooted | Interior Home Staging + Interior Styling and Brenda Marie Dickenson

You don’t have much time. We will be drawing the winner Monday night and announcing our winner Tuesday!

10/06/2026

Most mortgage applications don’t get declined because the client isn’t qualified, they get declined because the application wasn’t structured properly from the start. 😱

Every lender has different guidelines, income calculations, debt servicing requirements, and property restrictions. What works with one lender may not work with another.

That’s why product knowledge and working with the right mortgage broker can make all the difference.

A good broker doesn’t just submit an application. They analyze your entire financial picture, match your file to the right lender, structure the deal correctly, and identify potential issues before they become problems.

01/06/2026

Saving for a down payment doesn’t have to happen the hard way. There are three powerful accounts that can help you get into a home sooner:

🏠 FHSA (First Home Savings Account) – Contributions are tax deductible, and qualifying withdrawals for your first home are tax-free. It’s one of the most powerful tools available for first-time buyers.

📈 TFSA (Tax-Free Savings Account) – Your investments can grow tax free, and withdrawals can be made at any time without tax consequences. Great for building your down payment fund while maintaining flexibility.

💰 RRSP (Home Buyers’ Plan) – Eligible buyers can withdraw funds from their RRSP to put toward a home purchase, helping boost their down payment and potentially reduce mortgage costs.

The bigger your down payment, the lower your mortgage balance, monthly payment, and overall borrowing costs.

Not sure which strategy makes the most sense for your situation? A little planning today can make a big difference when you’re ready to buy.

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