Your Home Has Value.
Let It Work for You.
A reverse mortgage lets Canadian homeowners 55+ access the equity they've built — tax-free, with no monthly payments, and no need to leave the home they love.
We take the time to explain everything clearly — to you, your family, and your advisors. No pressure. No jargon. Just honest guidance.
Partnered with all major Canadian reverse mortgage lenders, including HomeEquity Bank (CHIP) — so we find the product that fits you best.
Or call us: 905-529-1199
|CHIP by HomeEquity Bank Partner|Equitable Bank Partner|Available in All ProvincesWhat Is a Reverse Mortgage?
A reverse mortgage is a loan secured against your home that lets you convert a portion of your home's value into tax-free cash — without selling, without moving, and without making monthly payments.
Available to Canadian homeowners aged 55 and older, it's a way to access the equity you've spent a lifetime building — on your own terms, at your own pace.
Many families find it helpful to explore this option together. We welcome your adult children, your lawyer, or your financial advisor to any conversation.
No Monthly Payments Required
There are no mandatory monthly mortgage payments. The loan is repaid when you choose to sell, move, or when your estate settles — on your timeline.
Tax-Free Funds
Reverse mortgage advances are generally not taxable because they are loan proceeds — not income. They generally do not affect your Old Age Security (OAS) or Guaranteed Income Supplement (GIS) benefits. Your financial advisor can confirm how this applies to your situation.
Stay in the Home You Love
You continue living in your home, in the neighbourhood you know, close to the people who matter most — for as long as you choose.
You Remain the Homeowner
Your name stays on the title. The lender never owns your home. You — and your family — retain full ownership throughout.
Could a Reverse Mortgage Be Right for You?
The basic criteria are straightforward. If these apply to you, we'd be glad to have a conversation:
How It Works
The process is straightforward, and we guide you through every step — at whatever pace feels right for you.
We Have a Conversation
We start with a relaxed, no-obligation chat to understand your situation, your goals, and any questions you — or your family — may have. There is no pressure, ever.
We Find the Right Fit
As independent licensed brokers, we compare products from Canada's leading reverse mortgage lenders and explain your options in plain language — so you can decide with confidence.
You Receive Your Funds
Once you're comfortable and ready to proceed, your tax-free funds arrive — as a lump sum, regular monthly deposits, or a combination. Entirely your choice.
We Work With Canada's Leading Reverse Mortgage Lenders
As an independent licensed broker, we compare products across all major lenders to find the one that best suits your needs — at no cost to you.
Licensed by FSRA Ontario (License #13121) · Available to homeowners across all Canadian provinces
CHIP by HomeEquity Bank
Canada's #1 reverse mortgage provider
Equitable Bank
Competitive reverse mortgage solutions
Bloom Finance
Flexible equity access options
Fraction
Innovative home equity products
HomeTrust
Trusted Canadian mortgage lender
We don't work for any one lender — we work for you. Our job is to fit you with the lender and product that best suits your situation.
Free Download
The Canadian Homeowner's Guide to Reverse Mortgages
A plain-language guide covering everything you need to know — how they work, who qualifies, what it costs, and the questions to ask before you decide. Written for Canadian homeowners 55+ and their families.
- How much equity you could access
- The 5 lenders and how they compare
- What happens to your home and your estate
- Questions to ask your broker
- Real examples from Canadian homeowners
Get Your Free Guide
We'll email it to you right away — no spam, ever.
What Our Clients Say
Real experiences from Canadian homeowners who took the time to explore their options.
"We were hesitant at first and so were our kids. But everything was explained so clearly — to all of us. Now we have the retirement we always hoped for, and our children feel good about it too."
Margaret & Robert
Ontario
"We used our home equity to help our grandchildren with university. The process was straightforward, and we never once felt rushed or pressured. We'd recommend this to any homeowner our age."
Dorothy & Frank
British Columbia
"I wanted to understand every detail before making a decision, and that was completely respected. I took my time, asked all my questions, and when I was ready — it was seamless."
Jean
Alberta
Questions We Hear Most Often
We believe in clear, honest answers — for you and for your family. Here are the questions that come up most in our conversations.
For Financial Advisors & Planners
A Tool Your Retired Clients May Not Know They Have
A reverse mortgage is not a product of last resort — it is a legitimate retirement planning tool. For clients who are asset-rich and cash-flow constrained, it can change the entire shape of their retirement plan.
Preserve the Investment Portfolio
Rather than drawing down a RRIF or non-registered account in a down market, clients can use home equity to bridge the gap — leaving investments intact to recover.
Eliminate Debt in Retirement
Clients carrying a HELOC, car loan, or credit card balances into retirement can consolidate and eliminate those payments in a single transaction, freeing up hundreds of dollars a month.
Fund Long-Term Care Costs
In-home care, accessibility renovations, and assisted living top-ups can be funded through monthly advances — without depleting savings or disrupting the retirement income plan.
Facilitate Intergenerational Wealth Transfer
Clients who want to help adult children with a down payment or education costs can do so now — while they are alive to see the impact — without touching their liquid assets.
Delay CPP and OAS
Home equity can bridge the income gap for clients who retire before 65 or 70, allowing them to defer CPP and OAS for a significantly higher lifetime benefit.
No Negative Equity Guarantee
All Canadian reverse mortgage lenders provide a no-negative-equity guarantee — clients will never owe more than the fair market value of their home at the time of repayment.
Refer a Client — We'll Handle the Rest
We work collaboratively with financial advisors, accountants, and estate planners across Canada. We'll provide a thorough, no-pressure consultation and keep you informed throughout. Your client's best interest is always the priority.
Serving Homeowners Across Canada
We work with clients in every province — by phone, video, or in person. Select your province for local information and answers to province-specific questions.
Ontario
FSRA licensed · Hamilton-based · Toronto to Ottawa
Learn more →British Columbia
Vancouver · Victoria · Kelowna · All of BC
Learn more →Alberta
No PST · No LTT · Calgary · Edmonton · Red Deer
Learn more →Curious What Your Home Equity Could Do for You?
Let's have a relaxed, no-obligation conversation. We'll answer your questions, walk through your options, and give you the information you need — at your own pace.
Your family members and advisors are always welcome to join.
No pressure. No obligation. Just clear, honest answers.