Articles
Reverse mortgage insights
Straight answers about reverse mortgages in Canada — no jargon, no pressure.
- August 5, 2026
CHIP Reverse Mortgage Calculator for Canada (2026)
Try a CHIP reverse mortgage calculator with no contact details: see the maximum by age, and what happens to the balance and equity over the years.
Read article → - August 5, 2026
How Does a CHIP Reverse Mortgage Work in Canada? (2026)
How does a CHIP reverse mortgage work? The four CHIP products explained — how each pays you, the setup steps, interest and terms, and repayment.
Read article → - August 4, 2026
What Is the Downside of a CHIP Reverse Mortgage? (2026)
What is the downside of a CHIP reverse mortgage? The balance grows, the rate runs higher, leaving early costs — and which of those belong to CHIP alone.
Read article → - August 4, 2026
CHIP Reverse Mortgage Rates in Canada (2026)
What are CHIP reverse mortgage rates? As of August 2026, the advertised 5-year fixed is 6.39% — and every other CHIP product costs more. All the rates, dated.
Read article → - August 1, 2026
Choosing a Reverse Mortgage Broker in Canada (2026)
How do you choose a reverse mortgage broker? Check the licence, confirm all four lenders get compared, and ask how the broker is paid — all free to you.
Read article → - August 1, 2026
Debt Consolidation for Homeowners 55+ in Canada (2026)
How can seniors consolidate debt in Canada? Most routes are approved on income. For homeowners 55+, one uses home equity instead — every option, compared.
Read article → - July 31, 2026
Aging in Place in Canada: Costs and How to Pay (2026)
What does it cost to age in place in Canada? The three cost buckets, what government programs actually cover, and how homeowners 55+ fund the rest.
Read article → - July 30, 2026
Reverse Mortgage Scams in Canada: The Real Cases (2026)
Is a reverse mortgage a scam? No — the product is federally regulated. The real scams work around it: the documented Canadian cases and how to stay safe.
Read article → - July 29, 2026
Reverse Mortgage Heirs: Can You Keep the House? (2026)
Can heirs keep a house with a reverse mortgage? Yes — but not by taking over the loan. The estate repays it: refinance in your name or sell and keep the equity.
Read article → - July 27, 2026
Reverse Mortgage Requirements in Canada (2026)
What are the requirements for a reverse mortgage in Canada? 55+ for every owner on title, your primary residence, and an eligible property — condos included.
Read article → - July 26, 2026
Is a Reverse Mortgage Taxable? OAS & GIS in Canada (2026)
Is a reverse mortgage taxable in Canada? No — the money is a loan, not income. What that means for OAS, GIS and your taxes, with real numbers.
Read article → - July 26, 2026
Mortgages for Seniors in Canada: Options at Every Age (2026)
Can a retired person get a mortgage in Canada? Yes — at any age. The real test is the income math. Every option for seniors, including one with no income test.
Read article → - July 26, 2026
Is a Reverse Mortgage a Good Idea? When Yes, When No (2026)
Is a reverse mortgage a good idea? The six uses where it works, the five situations where it doesn't, and how to tell which one is yours.
Read article → - July 26, 2026
Independent Legal Advice for Reverse Mortgages in Ontario (2026)
What is independent legal advice (ILA) for a reverse mortgage? What it means, when it happens, what it costs in Ontario, and a directory of lawyers.
Read article → - July 24, 2026
How Does a Reverse Mortgage Work in Canada? (2026)
How does a reverse mortgage work? You borrow against your home with no required monthly mortgage payments — repaid when you sell, move out, or pass away.
Read article → - July 24, 2026
Can You Pay Off a Reverse Mortgage Early? (2026)
Can you pay off a reverse mortgage early? Yes — any time. What the exit costs, when the charges reach $0, and the four ways out, explained for Canada.
Read article → - July 24, 2026
Reverse Mortgage Pros and Cons in Canada (2026)
What are the pros and cons of a reverse mortgage in Canada? The real benefits, the real downsides, and the numbers behind both — weighed independently.
Read article → - July 24, 2026
Reverse Mortgage Renewals in Canada (2026)
What happens when a reverse mortgage term ends? Nothing is due — the rate resets to the lender's posted rate. Why that number matters, and when switching pays.
Read article → - July 24, 2026
What Is a Reverse Mortgage in Canada? (2026 Guide)
What is a reverse mortgage? A loan for Canadian homeowners 55+ that turns home equity into tax-free cash with no required monthly mortgage payments.
Read article → - July 21, 2026
Bloom Reverse Mortgage: An Independent Broker Review (2026)
An independent broker's verdict on the Bloom reverse mortgage: the lifetime fixed SafeRate, 2026 rates and fees, the equity Mastercard, and who should skip it.
Read article → - July 21, 2026
CHIP Reverse Mortgage: An Independent Broker Review (2026)
Is the CHIP Reverse Mortgage worth it? An independent review of HomeEquity Bank's rates, fees, all four CHIP products, and who each one actually fits.
Read article → - July 21, 2026
Equitable Bank Reverse Mortgage: An Independent Review (2026)
Is the Equitable Bank (EQ Bank) reverse mortgage right for you? An independent review of the Flex products, 2026 rates, exit charges, and renewals.
Read article → - July 20, 2026
Reverse Mortgage Rates in Canada (2026)
What are reverse mortgage rates in Canada? Posted 5-year fixed rates sit at 6.23%–6.39% in July 2026 — and the sticker is only the start of the real cost.
Read article → - July 20, 2026
Reverse Mortgage vs HELOC in Canada (2026)
Reverse mortgage vs HELOC: the HELOC is cheaper on paper, but most retirees can't pass the bank's income and stress tests. The real numbers, both ways.
Read article → - July 20, 2026
What Happens to a Reverse Mortgage When You Die? (2026)
What happens to a reverse mortgage when you die? It becomes due — the estate gets 180 to 365 days to repay, penalties are waived, and the family keeps the rest.
Read article → - July 18, 2026
Best Reverse Mortgage Companies & Lenders in Canada (2026)
Which is the best reverse mortgage company in Canada? All four lenders — CHIP, Equitable, Bloom, Home Trust — compared on 2026 rates, fees, and penalties.
Read article → - July 18, 2026
Home Trust EquityAccess: An Independent Broker Review (2026)
Is Home Trust's EquityAccess reverse mortgage worth it? An independent review of all three tiers, real borrowing caps, 2026 rates, fees, and how it compares.
Read article → - July 18, 2026
How Much Can You Get From a Reverse Mortgage by Age? (2026)
How much can you get from a reverse mortgage? By age — about 46% of your home's value at 55, up to the market's top tier near 60% for older borrowers.
Read article → - July 18, 2026
Reverse Mortgage & Long-Term Care: What Happens? (2026)
What happens to a reverse mortgage if you move into long-term care? It becomes due — but you get up to a year, penalties ease, and a spouse can stay.
Read article → - July 17, 2026
Reverse Mortgages in Ontario: The Complete 2026 Guide
How do reverse mortgages work in Ontario? All four lenders compared, 2026 rates, typical costs, and who qualifies at 55+ — in one complete guide.
Read article → - July 17, 2026
Reverse Mortgage Statistics Canada (2026)
How big is Canada's reverse mortgage market? $10.9 billion owed, growing 20.9% a year — every key statistic with named sources, updated quarterly.
Read article → - June 25, 2026
Reverse Mortgage Horror Stories: What's Real in Canada (2026)
Are reverse mortgage horror stories real? Yes — mostly in the U.S. See what actually happened, Canada's two real cases, and the protections that apply here.
Read article →