For estate lawyers, planners, and senior-care professionals
A reverse mortgage specialist you can confidently refer
If you work with Ontario seniors — as an estate lawyer, financial planner, retirement home coordinator, home-care agency, family lawyer, or senior-focused realtor — you've likely had a client where home equity became part of the conversation. This page is for you.
Why professionals refer to me
Twenty years spent protecting clients, not selling to them
Before I became a mortgage agent, I spent more than 20 years in financial services compliance — at CIBC, BMO, Scotiabank, and OMERS. My job for two decades was making sure financial products were sold honestly and that the rules actually protected the people on the other side of the desk.
I bring that instinct into every referral you send me. I'd rather tell your client a reverse mortgage isn't the right fit than push one that doesn't serve them — because a referral I mishandle reflects on you as much as it does on me. Everything I do runs through a licensed brokerage, BRX Mortgage Inc. (FSRA #13549), which you can verify any time on FSRA's public registry.
The process
How a referral works
- You make the introduction. A phone call, an email, or a warm handoff — whatever's easiest for you and your client.
- I have an unhurried first conversation. Fifteen to thirty minutes, focused on understanding the client's situation before anything else.
- You hear back only what your client agrees to share. I respect the confidentiality of the relationship you already have with them.
- There's no cost to you or your client for the referral. If a reverse mortgage moves forward, the lender pays me — your client never pays me directly, and neither do you.
I don't pay or receive referral fees for introductions in either direction. If that's a dealbreaker for your organization's compliance policy, it shouldn't be — there's nothing to disclose because nothing changes hands.
Who I typically hear from
Professionals I work alongside
Estate lawyers
Home equity decisions affect wills, powers of attorney, and how an estate is structured. I coordinate with the lawyer your client is already using — Ontario law requires independent legal advice before any reverse mortgage closes.
Financial planners
A reverse mortgage is one income-planning tool among several. I'm glad to walk through the numbers alongside a planner who's already built the bigger retirement picture.
Retirement homes & senior living
Entrance costs and ongoing fees sometimes outpace a resident's liquid savings. I help families work out whether home equity can bridge that gap.
Home-care agencies
When care needs grow, funding often needs to grow with them. I help clients and families figure out how to pay for care without exhausting savings too early.
Family lawyers
Separation, divorce, or family disputes sometimes involve an older client's home equity. I can provide clear numbers to inform those conversations.
Senior-focused realtors
Not every client who's "house rich, cash poor" wants to sell. I'm a resource for clients weighing a reverse mortgage against downsizing, so you can present the full picture.
I refer clients out, too
When my own clients need home care, I often point them to First Class Home Care Inc., a provider I trust serving Halton, Peel, Mississauga, Brampton, Burlington, Milton, Oakville, and Markham. If you'd like to be considered as a referral partner in the other direction, get in touch.
Have a client in mind?
Call or email and let's talk about how I can help, before you make the introduction.