How Lucy Found Mortgage Freedom at 55,Without Selling Her Home

When Lucy reached out to me, she was navigating a lot:
A recent divorce.
The ups and downs of running her own business.
And the stress of a traditional mortgage that just didn’t flex with her life.

At 55, she wanted to stay in the home she loved, the one she worked hard to build, but her mortgage was making it harder every month. Her income fluctuated (as it often does when you’re self-employed), and the pressure to make fixed monthly payments was becoming overwhelming.

She had asked her bank for solutions. But their hands were tied. No flexibility. No options that fit her real-world situation.

Lucy didn’t want to go deeper into debt. She didn’t want to sell.
She just wanted a little breathing room.

That’s where I came in.

Together, we looked at a solution most people don’t even know exists: a reverse mortgage with flexible repayment options. Unlike traditional mortgages, this option gave Lucy the ability to:

• Eliminate mandatory monthly payments

• Stay in full control and ownership of her home

• Access the equity she’d already built—tax-free

We set up a repayment plan that works with her income, not against it. When her business has a great month, she can make payments. When it’s a slower season, she can pause, without penalties or panic.

Now, Lucy is still self-employed, still living in her home, and sleeping better at night.
She’s not worried about making her next mortgage payment—she’s focused on growing her business and building her next chapter.

Could this be you?

If you’re 55 or older, self-employed, or facing life after divorce and feeling stuck between rising costs and rigid bank rules, know this: You do have options.

Flexible payment mortgages aren’t just for retirees. They’re for anyone who wants to stay in their home and regain financial control, without selling, downsizing, or stressing.

Let’s have a confidential conversation. No pressure. Just solutions that fit your life.