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Canada's equity unlock marketplace.
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The broker advantage
Why going directly to a lender costs you money
When you call HomeEquity Bank, you get HomeEquity Bank's rate. When you call Equitable Bank, you get Equitable Bank's rate. A bank's representative has one job: place you in their product. Our job is the exact opposite.
WORKING WITH SPARROW ADVISOR
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All 4 lenders compared in a single 30-minute conversation.
Lowest rate in the market today — from CHIP, EQ, Bloom, or Home Trust.
HELOC included — we'll tell you honestly if it's a better option for your situation.
Your needs come first — we start with your financial picture, not a product.
Deep local knowledge — BC and AB markets, appraisal patterns, lender appetite.
One conversation. All the information. Zero obligation to proceed.
vs
CALLING A LENDER DIRECTLY
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One lender, one product — you're comparing nothing.
One rate, with no way to know if it's the best one available to you.
No HELOC option — they don't offer it, so they'll never raise it.
The rep's job is to place you in their product, not weigh your situation.
National call-centre advice, with no read on your local market.
You sign up not knowing what you might have missed.
Reverse Mortgage vs. HELOC
Which Option Better Fits Your Retirement Goals?
Understanding the differences between a Reverse Mortgage and a Home Equity Line of Credit (HELOC) can help you choose the option that best aligns with your income, lifestyle, and long-term financial plans.
PRODUCT
REVERSE MORTGAGE
HELOC
Unlock up to 59% of
your home value
your home value
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Fixed rate
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Adaptable payment
schedule
schedule
Light income
requirements
requirements
Keep full upside from
home price growth
home price growth
Borrower protection—no
fixed repayment date
fixed repayment date
The learning centre
We believe informed clients
make better decisions
Our educational resources are written for Canadians approaching retirement, plain language, no jargon, no sales agenda. Read before you call. Read after you call. Share with your children.
Operating as part of:
