HIIP: Home Income Investment Plan
The Home Income Investment Plan (HIIP), is a powerful program designed to address retirement concerns of affluent and high-net-worth clients. Our e-book covers everything you need to know and more!
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About The E-Book
With HIIP, your clients can enjoy the benefits of tax-free monthly cash flow throughout their retirement, without the need to withdraw from registered funds or investment accounts. This proven approach ensures a worry-free retirement by maintaining their desired lifestyle while preserving their financial assets.
HIIP leverages the benefits of a reverse mortgage to provide a reliable and sustainable strategy for your clients and offers a seamless solution that ensures financial security throughout their retirement years.
In the realm of financial planning, reverse mortgages have emerged as an innovative solution for homeowners, especially high net worth individuals, seeking to access the equity in their homes while maintaining ownership. Unlike traditional mortgages that require monthly payments, reverse mortgages allow homeowners to receive funds from lenders based on the appraised value of their properties. The unique feature of a reverse mortgage is that repayment is typically deferred until the borrower sells the home, permanently moves out, or passes away.
The reverse mortgage market in Canada is under $6 billion, but has recently experienced a 200% year-over-year growth
What’s inside
Understanding Reverse Mortgages
Home Income Investment Plan (HIIP)
Creating Tax Free Income
Eligibility and Requirements
The Importance of Using A Mortgage Broker
Case Study
Chapter 1: Understanding Reverse Mortgages
In the realm of financial planning, reverse mortgages have emerged as an innovative solution for homeowners, especially high net worth individuals, seeking to access the equity in their homes while maintaining ownership. Unlike traditional mortgages that require monthly payments, reverse mortgages allow homeowners to receive funds from lenders based on the appraised value of their properties. The unique feature of a reverse mortgage is that repayment is typically deferred until the borrower sells the home, permanently moves out, or passes away.
A reverse mortgage essentially flips the traditional mortgage structure on its head. Instead of making payments to a lender, homeowners receive payments from the lender. This financial tool offers a flexible approach to tapping into the accumulated wealth of a property, enabling individuals to access tax-free cash flow that can be used to enhance their retirement lifestyle, invest in income-generating assets, or cover unexpected expenses.
Benefits for High-Net-Worth Individuals
High net worth individuals entering retirement often have significant equity tied up in their luxury homes. While they may possess a strong portfolio of investments, they may be hesitant to liquidate assets or disturb their existing…
Chapters
Pages
By incorporating reverse mortgages and the associated investment strategies, you can provide a tailored approach that maximizes tax-free income while preserving registered investments. Additionally, partnering with mortgage, tax and legal professionals is essential to ensure compliance with Canadian tax laws and regulations. Learn more inside the e-book!
Why partner With Us?
Client Relationships
Existing Clients & Asset Retention
New Clients & Asset Growth
Keep your clients in house rather than sending them to the bank
Increase the options and products available to your clients
Preserve your clients registered assets. Offering an alternative to withdrawing from portfolio
Non-taxable alternatives, lump sum or scheduled withdrawals
Investing for cashflow, a win win. For both you and your clients
Increased Income
Earn up to $4,000 in referral compensation
HIIP
Home Income Investment Plan
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