Bradley Boyce, Mortgage Agent

Name: Bradley Boyce, Mortgage Agent
Address: 27137 Highway 42, Penhold, AB, T0M1R0, CA
Telephone: +14038864723

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Bradley Boyce, Mortgage Agent

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Certified Canadian Reverse Mortgage Consultant for Sky Financial Corporation o/a The Mortgage Centre from Edmonton, Alberta.

10/01/2026

🏡 Information First. Decision Second.

Your home may be one of your largest financial assets. Before using its equity, it is important to understand your choices clearly.

A reverse mortgage may help you remain in your home, improve monthly cash flow, complete renovations or manage unexpected expenses—without regular mortgage payments.

However, it is still a loan. Interest and fees are added to the balance, the amount owed grows over time, and less equity may remain for you or your estate.

Before deciding, consider:

✅ How much you actually need
✅ The interest rate and applicable fees
✅ How the balance will grow
✅ Your responsibilities as a homeowner
✅ When the mortgage must be repaid
✅ The possible effect on your estate
✅ Alternatives such as a HELOC, conventional mortgage, savings, selling or downsizing

There is no single solution that is right for everyone. A good decision is one that you understand and that supports your retirement needs, priorities and long-term plans.

If you have questions, I would be pleased to help you compare the options clearly—without pressure or obligation.

Bradley A. Boyce
Seniors’ Equity Solutions Specialist
Certified Canadian Reverse Mortgage Consultant
📞 403.886.4723
✉️ [email protected]
🌐 bradleyboyce.ca

09/30/2026

🏡 MYTH VS. FACT

MYTH: Reverse mortgages are only for homeowners who have run out of money.

FACT: Homeowners consider reverse mortgages for many different reasons, including:

✅ Improving retirement cash flow
✅ Paying off an existing mortgage
✅ Funding home renovations
✅ Creating an emergency reserve
✅ Arranging access to funds in stages

However, accessing home equity earlier—or borrowing more than necessary—can increase long-term interest costs.

The purpose, amount and timing should all be considered as part of a broader retirement plan.

Let’s determine whether a reverse mortgage supports your plans—or whether another option may fit better.

Bradley A. Boyce, CCRMC
Seniors’ Equity Solutions Specialist
📞 403.886.4723
🌐 bradleyboyce.ca

Working for you, not the banks.

09/25/2026

🏡 What does financial comfort mean to you?
Financial comfort in retirement does not mean the same thing to everyone.
For some homeowners, it may mean:
• Having enough monthly cash flow to cover everyday expenses
• Paying off higher-interest debt
• Completing renovations that make the home safer and easier to live in
• Helping a family member
• Managing unexpected healthcare or home-repair costs
• Simply feeling less worried about money
Home equity may be one resource to consider, but accessing it is an important decision. A reverse mortgage, HELOC, conventional mortgage, downsizing or selling may each offer different benefits, costs and responsibilities.
The right choice depends on your income, future plans, available equity and how long you expect to remain in your home.
Before choosing any solution, ask yourself:
What would make retirement feel more financially comfortable—and what trade-offs am I willing to accept?
A thoughtful conversation can help turn that question into a practical plan.
If you would like to discuss your options in clear, plain language, I would be pleased to help—without pressure or obligation.
Bradley A. Boyce
Seniors’ Equity Solutions Specialist
Certified Canadian Reverse Mortgage Consultant
403.886.4723
[email protected]
bradleyboyce.ca

09/24/2026

🏡 Five questions to ask before choosing a reverse mortgage

A reverse mortgage can help eligible homeowners aged 55+ access part of their home equity without selling. However, it is an important financial decision—not simply a way to obtain extra cash.

Before deciding, ask these five questions:

1. What problem am I trying to solve?
Do I need funds for renovations, debt repayment, healthcare costs or additional monthly cash flow?

2. What will it cost now and over time?
Interest is added to the loan balance, so the amount owing grows over time. Appraisal, legal, setup and closing costs may also apply.

3. How will it affect my future equity and estate?
As the loan balance increases, less equity may remain for future needs or beneficiaries.

4. What responsibilities will I continue to have?
You continue to own your home and remain responsible for following the mortgage terms, maintaining the property and meeting obligations such as property taxes and insurance.

5. What other options should I compare?
Alternatives may include a HELOC, conventional mortgage, downsizing, selling or using other savings and investments.

There is no single answer that is right for every homeowner. The best decision is one that supports your retirement plans, cash flow and long-term goals.

If you would like help comparing the choices in clear, plain language, I would be pleased to speak with you—without pressure or obligation.

Bradley A. Boyce, CCRMC
Seniors’ Equity Solutions Specialist
403.886.4723
[email protected]
bradleyboyce.ca

09/21/2026

💡 MYTH VS. FACT: Is a reverse mortgage free money?

MYTH: A reverse mortgage is free money because you don’t have to make monthly payments.

FACT: A reverse mortgage is a loan secured against your home. You are borrowing part of your home equity, and interest is added to the amount owing over time.

Although regular mortgage payments are generally not required, the loan is not free. Costs may include:

• Interest
• An appraisal
• Legal and closing fees
• Setup charges
• Possible prepayment penalties

The balance is generally repaid when the home is sold, the last borrower moves out or dies, or the mortgage goes into default.

You continue to own your home, but you must follow the terms of the mortgage. Because the amount owing grows over time, there may be less equity remaining for you or your estate.

A reverse mortgage can be a useful financial tool for some homeowners—but it should be compared with alternatives such as a HELOC, conventional mortgage, downsizing or selling.

Good decisions begin with understanding both the benefits and the costs.

If you would like a clear, pressure-free explanation, I would be pleased to help.

Bradley A. Boyce
Seniors’ Equity Solutions Specialist
Certified Canadian Reverse Mortgage Consultant
403.886.4723
[email protected]
bradleyboyce.ca

09/18/2026

🏡 Include the family—but keep the decision yours

Many homeowners choose to include their adult children in conversations about home equity. That can be helpful—especially when discussing estate plans and future housing needs.

But the homeowner’s goals, comfort and independence must remain at the centre of the decision.

A good family conversation should explain the costs, responsibilities and alternatives—as well as what may happen when the home is eventually sold.

Questions are welcome. Pressure is not.

With the homeowner’s permission, family members are welcome to join an information meeting. Together, we can review the options in clear, straightforward language.

Bradley A. Boyce, CCRMC
Seniors’ Equity Solutions Specialist
📞 403.886.4723
🌐 bradleyboyce.ca

Working for you, not the banks.

09/17/2026

🏡 Reverse mortgage, HELOC or selling—which option fits your retirement?

If you need to access the equity in your home, there is more than one option. The right choice depends on your income, goals and plans for the future.

A reverse mortgage may be worth considering if you:

• Want to remain in your home
• Prefer not to make required regular mortgage payments
• Understand that interest will accumulate and reduce your remaining equity over time

A home equity line of credit (HELOC) may be suitable if you:

• Qualify based on your income, credit and available home equity
• Are comfortable making monthly payments
• Want flexible access to funds as they are needed

Selling may make sense if you:

• Are ready to downsize or move
• Want to eliminate homeownership expenses and responsibilities
• Prefer to access your equity without taking on additional debt

No single option is automatically best. Consider the borrowing costs, monthly cash flow, effect on your future equity and—most importantly—where you want to live.

Good planning begins by comparing all the choices before making a decision.

If you would like a clear, pressure-free comparison, let’s talk.

Bradley A. Boyce, CCRMC
Seniors’ Equity Solutions Specialist
403.886.4723
[email protected]
bradleyboyce.ca

09/14/2026

🏠 MYTH VS. FACT

MYTH: With a reverse mortgage, you no longer have the usual responsibilities of owning a home.

FACT: You still need to:

✅ Pay your property taxes
✅ Maintain adequate home insurance
✅ Keep your home in reasonable condition

A reverse mortgage can eliminate the need to make regular mortgage payments—but it does not eliminate the responsibilities of homeownership.

Before deciding whether a reverse mortgage is right for you, it’s important to understand both the benefits and the ongoing obligations.

Have questions? I can help you review the details and compare your options—without pressure.

Bradley A. Boyce, CCRMC
Seniors’ Equity Solutions Specialist
📞 403.886.4723
🌐 bradleyboyce.ca

Working for you, not the banks.

09/13/2026

🏡 What would make retirement at home easier for you?

If you could change just one thing about your home or monthly budget, what would it be?

Perhaps it would be:

✅ A safer, more accessible bathroom
✅ Fewer monthly debt payments
✅ Help with repairs or home maintenance
✅ More breathing room in your monthly budget

There is no single solution that suits every homeowner.

A reverse mortgage may help in some situations. In others, a different financing option—or no borrowing at all—may be more appropriate.

The goal is to understand your choices before making a decision.

What would make the biggest difference for you?

You’re welcome to comment below or message me privately for a confidential conversation.

Bradley A. Boyce, CCRMC
Seniors’ Equity Solutions Specialist
📞 403.886.4723
🌐 bradleyboyce.ca

Address

27137 Highway 42
Penhold, AB
T0M1R0

Telephone

+14038864723

Website

http://bradleyboyce.ca/

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