Access Your Home Equity.
Without Selling. Without Moving.
Ontario's specialist in reverse mortgages, home equity, and complex lending solutions.
Experienced. Independent. On Your Side.
A reverse mortgage or home equity decision is one of the most significant a homeowner can make. We bring specialist experience, genuine independence, and a clear, unhurried process — so you understand exactly what you're choosing and why, before committing to anything.
We compare every available product — regulated reverse mortgages, home equity programs, and private lending — in a single conversation. Nothing is pre-selected.
We hold no ownership stake in any lender. Every recommendation is based entirely on what fits your situation — not a lender's product lineup.
All compensation is disclosed in writing before you commit. For most products, lenders pay our fee directly. Any broker fee is explained upfront.
Three Areas of Expertise. One Trusted Conversation.
Reverse Mortgages
Reverse mortgages from four distinct federally regulated Canadian lenders — each with different products, LTV limits, and age requirements. We compare all options side-by-side with no lender loyalty.
- →CHIP · HomeEquity BankCanada's original reverse mortgage — multiple product options
- →Equitable BankA distinct federally regulated reverse mortgage option
- →Bloom Reverse MortgageBloom Finance — a separate Canadian reverse mortgage provider
- →Home Trust EquityAccessThree products with varying age thresholds and LTV limits
Home Equity Programs
Home equity solutions beyond traditional reverse mortgages. These products have different structures, cost models, and eligibility criteria — some, like Fraction, do not require the traditional 55+ age minimum. We explain each option clearly before making any recommendation.
- →FractionDeferred-repayment equity solution — distinct in structure from a traditional reverse mortgage
- →Home Equity ReleaseHELOC, refinancing, and equity take-out for qualifying homeowners
- →Debt ConsolidationUse home equity to address high-interest debt obligations
- →Retirement LendingAsset and equity-based qualification for retirees
Private Lending Solutions
Private lenders and MICs that qualify based on home equity — not income or credit score. Ideal for urgent situations, self-employed, or complex circumstances.
Not sure which category fits your situation? Book a free consultation — we'll explain every option clearly before recommending anything.
How a Reverse Mortgage Works
Free Consultation
We review your home value, equity, age, and retirement goals. No pressure, no obligation.
Compare Options
We present every available option with actual figures for your situation — so you make an informed decision, not a guess.
Appraisal & Approval
An independent appraiser values your home. Approval typically takes 2–4 weeks from application.
Receive Tax-Free Cash
Funds deposited directly to you. No monthly payments. You continue living in your home.
Institutional Experience.
Independent Practice.
Eric began his mortgage career in 2010 as a Bilingual Mortgage Specialist with AGF Trust — one of Canada's established institutional lenders. Working within that environment built something most brokers don't have: a clear, practical understanding of how lenders think, how products are structured, and where institutional constraints begin.
In 2014, he made a deliberate move to independent brokerage — because independence meant access to every relevant lender and product, without being accountable to any single institution's lineup. That principle shapes every client conversation to this day.
About our approach →Ready to Access Your Home Equity?
Get a free, no-obligation consultation with a licensed Ontario mortgage broker. We'll review your situation and present every available option.
FSRA Licensed · Fees disclosed upfront · All of Ontario
Reverse Mortgages Across Ontario
Virtual consultations available throughout Ontario. In-person appointments available in the GTA and surrounding areas.
Reverse Mortgage Guides & Articles
What Is a Reverse Mortgage? Complete Guide for Canadian Homeowners
A reverse mortgage lets Canadian homeowners 55+ access home equity tax-free with no monthly payments. This guide explains how it works, who qualifies, and what to watch out for.
CHIP vs Bloom Reverse Mortgage: Which Is Right for You in 2024?
Comparing Canada's regulated reverse mortgage products: CHIP by HomeEquity Bank and Bloom Reverse Mortgage by Bloom Finance — plus Equitable Bank and Home Trust EquityAccess. Rates, features, and how to choose for Ontario homeowners.
How Much Can You Borrow with a Reverse Mortgage in Ontario? (2024)
The amount you can borrow with an Ontario reverse mortgage depends on your age, home value, and location. Here's how lenders calculate it and what to realistically expect.
Reverse Mortgage FAQs
What home equity solutions do you compare?
We compare the full landscape of Ontario home equity products: CHIP (HomeEquity Bank), Equitable Bank Reverse Mortgage, Bloom Reverse Mortgage (Bloom Finance), Home Trust EquityAccess, Fraction, private mortgage lenders, and bridge financing. As an independent broker, we have no loyalty to any single lender.
Do I have to be 55+ to access home equity solutions?
Most reverse mortgages require homeowners to be at least 55 — including CHIP (HomeEquity Bank), the Equitable Bank Reverse Mortgage, Bloom Reverse Mortgage, and most Home Trust EquityAccess products. Home Trust's EquityAccess Boost requires borrowers to be at least 70. Some home equity solutions, such as Fraction, are available to eligible homeowners without the traditional 55+ age requirement. HELOCs and private mortgages have separate eligibility criteria unrelated to age. Always confirm minimum age requirements with your broker.
What is the difference between a reverse mortgage and a solution like Fraction?
Traditional reverse mortgages are bank-issued loans secured against your home — no monthly payments are required, interest accrues over time, and the mortgage becomes repayable when the home is sold, ownership is transferred, the borrower passes away, permanently moves out, or in the event of default. Fraction is a home equity solution with a deferred-repayment structure: you access funds today and repay at the end of the term or upon sale or refinance, depending on the product terms. Cost structures and eligibility differ from traditional reverse mortgages. We explain the terms and trade-offs of each option clearly before making any recommendation.
Are reverse mortgage proceeds taxable in Canada?
No. Reverse mortgage proceeds are loan proceeds, not income — they are not taxable. They generally do not affect OAS or CPP. The impact on GIS (Guaranteed Income Supplement) depends on how the funds are used; if proceeds are invested and generate income, that income could affect GIS entitlement. We recommend consulting a tax advisor for your specific situation.
How are you compensated, and will I be charged a broker fee?
For most reverse mortgage and standard mortgage products, lenders compensate us directly — no broker fee is charged to you. For certain private mortgage arrangements, a broker fee may apply. In every case, all compensation is disclosed in writing before you commit to anything. We are FSRA regulated and transparency is a requirement, not a courtesy.