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Your home is the biggest financial tool you own. Most people never use it.
Tell us what you're trying to do. We'll look at every option available, including the equity sitting in your house, and show you which one actually gets you there.
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What are you trying to do?
Get out from under high-interest debt
Roll credit cards, car loans and lines of credit into one mortgage payment at a mortgage rate.
Buy a home, or find out what you can afford
A pre-approval shopped across lenders, so the number holds up when you write an offer. First home or fifth.
Buy a rental or a second property
The equity you already have can be the down payment on the next one. We'll show you whether the rent covers it.
Stay in your home through retirement
For homeowners 55 and over. All four Canadian reverse mortgage lenders compared, with straight advice on how much to take and when.
The asset nobody puts on the spreadsheet.
Most people know their chequing balance, their credit card balance, and roughly what's in their RRSP. The house just sits there.
It's usually the largest number in the whole picture, and it can do things the other numbers can't. Equity can pay off 21% credit card debt at a mortgage rate. It can be the down payment on a rental. After 55, it can be tax-free money in retirement without selling.
It can also be the wrong move. Sometimes the right answer is to leave it alone. Sometimes it's to sell. We'll tell you which, because the lender pays us the same either way.
A bank shows you what it sells. We show you what fits.
Tell us what you're trying to do
A five-minute assessment. Your goal, your income, what you own and what you owe. No credit check to start.
We build your options
One bank has one shelf. We work with dozens of lenders and line up every strategy that fits your goal, side by side, in plain language.
A licensed broker walks you through it
Phone or video, at your pace. You'll see what each option costs, what it saves, and what we'd do in your shoes. No obligation.
Your bank vs. Sparrow
Sometimes the honest answer costs us money.
A client called about a reverse mortgage. She needed $20,000 after a hard year. A reverse mortgage would have worked. A refinance was going to cost her a lot less, so that's what we told her.
Another client, 76, was sure he didn't qualify for Old Age Security. He was $35,000 under the cutoff. He'd never applied. That has nothing to do with a mortgage and it earned us nothing. It came up because we look at the whole picture before we talk about products.
Run your own numbers first.
Let's put your equity to work. Or find out that you shouldn't.
Five minutes to tell us what you're after. A licensed broker calls you back with real options.
