Canada's equity unlock marketplace.

Unlock your home
equity without moving
or monthly payments.

We don't sell mortgages. We help you find the right one — by starting with your financial picture, not a lender's product.

All four Canadian lenders compared side by side

Rates, fees and features in plain language

We start with your financial needs, not a product

Just the clearest reverse mortgage comparison in Canada.

We compare all of these — so you don't have to call them one by one:

THE SPARROW DIFFERENCE

Your home may be your most powerful retirement asset. Most Canadians never use it.

If you're 55 or older and own your home, you've spent decades building equity.
‍
But if you're like most Canadian retirees, that equity is sitting locked in your walls while CPP and OAS stretch thinner every year.
‍
A reverse mortgage lets you access that equity — tax-free, with no monthly payments required — while you continue living in the home you love.

The challenge is that most Canadians don't know which of Canada's four lenders is right for them, or whether a reverse mortgage is even the right tool at all.

That's exactly what we help you figure out.

BUILT FOR YOUR RETIREMENT

Which goal can you check off your list?

Your goals shape which product — and which lender — is right for you.

Bridge the income gap

OAS, GIS, and CPP may not cover your actual cost of living. Home equity can fill that gap — tax-free, every month.

Pay off an existing mortgage

Eliminate your remaining mortgage payments entirely. Many clients free up $1,500–$2,500 a month in cash flow this way.

Give a living inheritance

Help your children with a down payment or tuition now, while you're here to see it — not just as part of your estate.

Fund home modifications

Ramps, walk-in showers, lifts — the renovations that let you age comfortably in the home you've built your life in.

Retire the way you planned

Travel, hobbies, time with family. Your home equity can fund the retirement you imagined, not just the one you can afford.

Pay off high-interest debt

Consolidate credit card balances or a line of credit into a single, lower-cost solution with no required monthly payments.

We start with your situation. Not a lender's product.

Most lenders begin by asking about your home. We begin by asking about you.

STEP 1

Tell us about your retirement picture

Our free needs assessment takes about 5 minutes. We ask about your income, your expenses, your goals, and what you'd do with the proceeds. Your answers shape everything that follows.

Get started

STEP 2

We compare all four Canadian lenders

We analyze your eligibility across CHIP, Equitable Bank, Bloom, and Home Trust simultaneously. You see a side-by-side comparison of rates, terms, fees, and features - all in plain language.

Get started

STEP 3

A licensed advisor walks you through your options

A licensed advisor from our BC and AB team walks you through the comparison in plain language, by phone or video. Every question gets answered, family included, and you leave with a clear recommendation and zero pressure to proceed.

BUILT FOR YOUR RETIREMENT

Why Home Equity Matters Right Now?

With rising expenses and fixed retirement incomes from OAS, GIS, and CPP, many Canadians are looking for additional ways to stay financially comfortable.

Retirement Income

Bridge the
Income Gap

OAS, GIS, and CPP may not always cover all your needs. Home equity can provide an additional source of funds to support your monthly income.

*31% of Canadian “near” retirees are projected to be dependent on public pensions (CPP, OAS, GIS) alone for retirement income.

Financial Flexibility

More Control
Over Cash Flow

Use your home’s value to manage expenses, reduce pressure, and create more breathing room in your budget.

Stay in Your Home

Age with
Confidence

Access the value you’ve built - without selling or leaving the home you love - while maintaining stability and independence.

Tax-Free Potential

Access Funds,
Not Income

Home equity withdrawals are typically tax-free, helping you access funds without increasing your taxable income or affecting your benefits.

THE SPARROW FINANCIAL DIFFERENCE

The first independent comparison platform built specifically for Canadian reverse mortgages.

Think of us the way you think of a fee-for-service financial planner - except we're free to use, and we focus exclusively on home equity in retirement.

GOING DIRECTLY TO A LENDER

They only show you their own product

Rates and fees aren't easy to compare

No guidance on whether it fits your plan

Advisor is paid to close your application

One conversation, one product

You don't know what you're missing

WORKING WITH SPARROW ADVISOR

All four Canadian lenders compared side by side

Rates, fees and features in plain language

We start with your financial needs, not a product

Independent advisors with no lender bias

One assessment, your complete picture

Know you found the best option available

Eligibility check:

Primary Residence: You must live in the home for at least six months of the year.

Home Equity: You must have significant equity; you can typically borrow up to 59% of the home's appraised value.

Property Types: Eligible properties include single-family homes, townhouses, condominiums, and semi-detached homes.

Existing Debt: Existing mortgages or liens must be paid off using the proceeds of the reverse mortgage.

* All owners on title must be 55 or older.

Is it time your equity
started working for you?

Discover how your home’s equity could help reduce financial pressure, support your lifestyle, and create more flexibility in your retirement - get a free, no-obligation assessment to see what’s possible.

Get my free assessment

Helping Canadian homeowners unlock equity, reduce costs, and move forward with confidence.

Operating as part of:

Unlock your homeequity without moving or monthly payments.