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Eligibility

Are you 55 years old or older?

All homeowners listed on the title must be at least 55 to qualify for a reverse mortgage in Canada.

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Yes

I am 55 or older

I am under 55

Unfortunately you do not qualify yet

All homeowners on title must be 55+. Consider a HELOC as an alternative — it offers equity access now with monthly payments and income qualification required. Learn about HELOCs →

Your information is secure and confidential.

Your location

Which province is the property in?

Your province determines your maximum loan-to-value. We currently serve homeowners in British Columbia and Alberta. More provinces coming soon.

Highest LTV

BC

British Columbia

Vancouver · Victoria · Kelowna

Highest LTV

AB

Alberta

Calgary · Edmonton · Red Deer

Property type

What type of property is it?

Detached homes qualify for the highest amounts. Condos and rural properties may have slightly lower limits.

Detached house

Single family — highest LTV available

Condo / apartment

Strata — LTV slightly lower

Townhouse

Attached or semi-detached

Rural / acreage

Farm or large lot property

Home worth

What is your home worth and do you have a mortgage?

Estimates are fine — no appraisal needed. Any existing mortgage is paid off first from your proceeds.

Why this matters — your existing mortgage is paid off first from the reverse mortgage proceeds. The remaining amount is yours to use however you choose — completely tax-free.

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Your estimate

Here is your personalised estimate

Based on your answers, here is what you could unlock tax-free. A specialist will confirm exact numbers from all 4 lenders.

Estimated tax-free cash available

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Before repaying any existing mortgage

After mortgage payoff

LTV range you qualify for

Monthly payments required

6.44%

Lowest rate today

CHIP · HomeEquity

Equitable Bank

Bloom SafeRate

Home Trust

Speak to a Canadian specialist to lock in this rate

Leave your details and a licensed BC & AB broker will contact you within 1 business day with exact rates from all 4 lenders — no obligation, no pressure.

Thank you! Your submission has been received!

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← Adjust my answers

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We will be in touch within 1 business day

A licensed reverse mortgage specialist will contact you with exact rates from all 4 lenders and walk you through your options with zero pressure.