Rates

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Every rate.
Every lender.
Nothing hidden. 

We publish the current rates from all four reverse mortgage lenders in Canada — including setup fees and term options banks won't show you side by side.

5

products compared for every client — including the HELOC option no lender will mention.

BC + AB

specialized market knowledge: not a national call centre generalist.

$0

cost to you for our advice: lenders pay us, regardless of who you choose.

EVERY LENDER. ONE CONVERSATION.

How the products actually compare?

Here's what you'd have to make four separate phone calls to find out.
We give it to you in one place.

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TERM
OPTIONS

Current rate

Type

Max
LTV

FUNDS ON DEMAND

SETUP fees

Home Equity Bank

CHIP Reverse Mortgage

5-year

6.44%

Lowest

Fixed

59%

Partial

~$2,095–$2,895

Appraisal - $300–$500
Legal $995 · Admin $800

Equitable Bank

Flex Reverse Mortgage

3-year

6.59%

Lifetime

Fixed

55%

Yes

~$1,795–$2,295

Appraisal - $300–$500
Legal $700 · Admin $795

Bloom Finance

SafeRate

3-year

6.64%

Variable

55%

Mastercard

~$2,300–$3,100

Appraisal - $300–$500
Legal $1,200 · Admin $800

Home Trust

EquityAccess

5-year

6.74%

Variable

55%

Yes

~$1,795–$2,595

Appraisal - $300–$500
Legal $995 · Admin $500

HELOC Pre-retirement

Major Canadian banks

Open

Prime
+0.5%

Variable

65–80%

Yes

~$500–$1,200

Lower fees · income & credit required

TERM
OPTIONS

Current rate

Type

Max
LTV

FUNDS ON DEMAND

SETUP fees

Home Equity Bank

CHIP Reverse Mortgage

5-year

6.44%

Lowest

Fixed

59%

Partial

~$2,095–$2,895

Appraisal - $300–$500
Legal $995 · Admin $800

Equitable Bank

Flex Reverse Mortgage

3-year

6.59%

Lifetime

Fixed

55%

Yes

~$1,795–$2,295

Appraisal - $300–$500
Legal $700 · Admin $795

Bloom Finance

SafeRate

3-year

6.64%

Variable

55%

Mastercard

~$2,300–$3,100

Appraisal - $300–$500
Legal $1,200 · Admin $800

Home Trust

EquityAccess

5-year

6.74%

Variable

55%

Yes

~$1,795–$2,595

Appraisal - $300–$500
Legal $995 · Admin $500

HELOC Pre-retirement

Major Canadian banks

Open

Prime
+0.5%

Variable

65–80%

Yes

~$500–$1,200

Lower fees · income & credit required

Not sure which term is right for you?

Our free 30-minute retirement equity review will walk you through exactly which structure fits your situation — with no obligation and no product to push.

Green highlight = lowest available rate for that term · Rates are indicative and subject to lender approval · Last reviewed May 2026
* Rates are subject to change

READY TO MOVE FROM COMPARING TO DECIDING?

Rates are one piece.

Your situation is the whole picture.

In a 30-minute retirement equity review, we map your income, your goals, and your property — and tell you exactly which lender and which term wins for you specifically.

No generic advice. No pressure. Just a comprehensive summary of your situation