To whom it may concern: Professionalism, care, consideration and respect is the treatment I received from Richard Mewhinney of Homeguard. Throughout the entire process of applying for and ultimately being granted my reverse mortgage Richard made sure I understood what was happening and what I could expect from both a financial & legal point of view. I did not want to sell my home of 21 years. I always intended this would be my retirement home, my final address, but I got into some financial trouble after retirement and there seemed no other way out except to sell. With the help of Richard Mewhinney, I was able to successfully obtain a reverse mortgage arrangement and will not be forced to sell my home before I'm ready, not because I'm in financial distress. To this end I highly recommend the services of Richard Mewhinney of Homeguard Funding With thanks & kind regards, D B

Homeguard Funding Ltd was strongly recommended to me by a friend. It was through that recommendation that I met Richard Mewhinney. I met with Richard, in February 2019. It was evident from the first meeting that his commitment to my financial goals was true and not self-serving and that he believed in my goals as much as I did. He was already formulating a plan during that meeting. Richard left no stone unturned and did not disregard any viable option when it came to my financial goals. His passion and dedication to work towards my goal was clearly evident through his constant communication with me, either by voice, text or email. Even while volunteering to make a better life for the people in Uganda, he still reached out to provide me updates both by email and phone, from Africa! That’s dedication and commitment to his clients. Mr. Mewhinney, made the process easy. He spelled out everything he needed from me in a clear and understandable fashion and provided exceptional guidance as we worked whole heartedly towards my goals. He set realistic expectations based on his professional experiences and vast network of resources. Everything he expressed to me was correct and he never minced words. I would have no hesitation recommending him to any of my friends or family. Kind regards, S F

We had the pleasure of using Richard’s mortgage brokerage service twice in the past couple of years. Ours was a complex situation which required some creativity to ensure that we would qualify with a reputable A lender. Both times, we found Richard to be of great help in guiding us through the complex nature of mortgage financing. Richard was patient and very thorough in his efforts to help us find the best solution for our mortgage needs. He left nothing to chance and made sure that every detail was attained to help us meet our goal. As an entrepreneur, I value the high level of customer service which Richard provided to our family. On a personal level, I have known Richard now for more than 4 years and have known about his business and service quality for quite sometime before deciding to use his services without hesitation. I also know how dedicated Richard is to his philanthropic work. Richard has often joked about the purpose of his business is to fulfill his philanthropic passion. Richard travels to Uganda twice a year to help people to become more self sufficient and build sustainable water, food and income resources. When not doing work for Uganda, Richard is helping local charities through his work with 100 Men Who Give A Damn. N & C D.

Creating a relationship with your mortgage broker is very important when buying your first home. It’s stressful, emotional and can be overwhelming at times in a market where multiple bidders are present. From the beginning Richard Mewhinney has shown exemplary professionalism in handling my complex mortgage loan. He was straight forward and patient in explaining the process from start to finish and is extremely knowledgeable about his profession. While we hit a few snags in the process in the end with his attention to detail and exceptional customer service, I was able to secure my home in another province. Richard is a first-class professional whose trust he carefully earned and will keep for many years to come. I could not have done this without him. M S

In the recent past, Richard provided his financial services to us with great skill and professionalism. His broad scale knowledge of the mortgage industry was demonstrated to us on more than one occasion, as he guided my wife and I through a sometimes complicated decision making process. Richard managed to find us the best financial provider with the best rates and terms tailor made to suit our move from York Region to Elgin County. Richard gave us the necessary advice and guidance we needed to gain new employment in a different municipality, making our preretirement planning a complete success. The customer service provided to us from Richard is second to none and we would certainly recommend his services to friends and colleagues in future. Richard is an extremely compassionate individual who exemplifies good natured wisdom and understanding, backed with a great sense of humour. In closing, we would like to say that Richard is not only a true professional in his field of expertise, but will always be a true friend to us on a personal level as well. Sincerely,