Reverse Mortgage Income

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About Us was created to provide seniors, and the general Canadian population with accurate information on reverse mortgages and their alternatives. We strive to be your guide through the mortgage process, and address any questions or concerns you may have.

About Reverse Mortgages

Reverse mortgages are provided by the HomEquity Bank, which has been in business since 1986 and is the only Canadian financial services company exclusively dedicated to helping seniors. In the past there has been some negative press regarding the interest rate charged by reverse mortgages, but in the past 5 years the rates charged have dropped significantly. Today, reverse mortgage interest rates are comparable to the posted rates of most banks.

But Why Us?

By using, you become our client, which entitles you to our unbiased advice. Since there is no “cookie cutter” mortgage solution, we conduct a needs analysis when you call us to determine if a reverse mortgage is right for you. Only then will we start an application for you with a reverse mortgage lender. In the event that we discover you would be better suited for an alternative mortgage product, we will advise you on the appropriate next steps to take. If we determine that your current mortgage product is the best option for you, we will not try to get you to switch mortgage lenders.

How Are We Compensated?

If we help you receive a residential mortgage through a financial institution our services will be paid for by the lender. However, a mortgage broker fee may be charged if your circumstances require us to arrange a commercial mortgage, or a private second mortgage for LTV purposes. If we have to charge you a mortgage broker fee, it will be transparently outlined well in advance, and will only become payable after you have been approved for the mortgage and the proceeds have been advanced.

What Does That Mean For You?

It means, in the vast majority of cases, that the services we provide to you are absolutely free.

CAAMP Membership

We are members of the Canadian Association of Accredited Mortgage Professionals, and adhere to the CAAMP Code of Ethics.

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  • Pay off debts
  • Fix up your home
  • Cover monthly expenses
  • Never make a payment
    until you choose to move or sell

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