Leverage Home Equity for Retirement Income in Canada

By Marinella Nicolosi | WBN News | August 19, 2025

When most Canadians think about funding retirement through real estate, they picture rental properties or flipping houses. But there's a smarter way - one that lets you keep living in your home while generating passive income. I didn't start with investment properties or huge savings. I started with a simple line of credit against my home.

How Private Lending Creates Retirement Income

As a homeowner, you can use your property's equity to:

Secure a Home Equity Line of Credit
Lend to qualified borrowers through mortgages
Earn 8-12% annual returns - Far exceeding GIC or savings account rates

This strategy helped me:

Cover my mortgage interest payments
Generate consistent monthly income
Maintain complete control of my funds

The Homeowner's Advantage

Unlike risky stock investments or labor-intensive rentals, this approach offers:

Security - Your loans are secured by real estate
Liquidity - Typical 6-12 month loan terms mean access to your capital
Tax Benefits - Interest paid on your HELOC, when used for passive investments, is tax deductible

Important: Always work with a real estate lawyer when preparing private mortgage documents.

Who This Works Best For

Canadian homeowners with:

$100,000+ in home equity
A low-risk investment mindset
No desire to be landlords

You Don’t Need to “Go Big” to Start Smart

If you own a home—or could in the future—this strategy is worth exploring.

Want to Learn More? I teach Canadians how to safely leverage real estate for retirement income.

Getting Started Safely

Through my courses, I teach how to:

Properly vet borrowers using thorough due diligence
Structure legally sound mortgage agreements
Mitigate risks through proper loan-to-value ratios

Let’s Start the Conversation: Marinella is an educator, speaker, and visionary who empowers aspiring and seasoned real estate investors to unlock prosperity through her expertise in strategic passive investing and wealth-building strategies.
Email Marinella: info@privatelendingqueen.com | Visit http://www.privatelendingqueen.com
Connect on LinkedIn: Marinella Nicolosi - Private Lending Queen http://www.linkedin.com/in/marinella-nicolosi-private-lending-queen-022a292a

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