Plainly stated
Here's exactly what I do
Not a vague list of "solutions." Here's the specific work I do for Ontario homeowners 55+ and their families, and exactly how I get paid for it.
Service one
Free reverse mortgage consultation and education
This is the core of what I do. Before anything is signed, I make sure you actually understand what a reverse mortgage is, what it costs, and whether it's the right tool for your situation — even if that means telling you it isn't.
A plain-English conversation
Fifteen to thirty minutes, no jargon, about your home and what you're trying to solve.
Numbers in writing
If it's worth exploring further, you'll get a written illustration to take home and think over — no numbers guaranteed on the spot, no pressure to decide fast.
Honest alternatives
Where a HELOC, refinance, or downsizing fits your situation better, I'll say so, even though I'm not paid for those conversations.
Service two
Comparing reverse mortgage lenders, not pushing one
I'm not tied to a single bank. Canada's reverse mortgage market has grown beyond one option, and the right fit depends on your goals, your home, and how you want to receive the money. Here's a general sense of how the major lenders differ.
| Lender | General approach |
|---|---|
| CHIP Reverse Mortgage (HomeEquity Bank) | Canada's original and largest reverse mortgage lender. Offers a lump sum or planned advances, and has the longest track record and broadest experience with Canadian appraisers and lawyers. |
| Equitable Bank Flex Reverse Mortgage | Built for flexibility — often considered when someone wants line-of-credit-style access, drawing funds as needed rather than all at once. |
| Bloom Finance | A newer entrant in the Canadian market, often worth a look for its underwriting approach and application process. Newer also means a shorter track record than the other two. |
Service three
Support from application through to funding
A reverse mortgage isn't a single form — it's a process with several required steps. I stay involved through all of them.
- Application. I help you complete the paperwork and gather what the lender needs.
- Appraisal. A licensed appraiser determines your home's current market value, which sets the ceiling on what's available.
- Independent legal advice — required by law in Ontario. Before you can sign, you must meet with a lawyer of your own choosing, working only for you, who explains the loan in full. I help coordinate this step, but the lawyer works for you, not me.
- Closing and funding. Once everything is signed, funds are released according to how you chose to receive them.
- After funding. I stay reachable for questions for as long as you have the loan.
Service four
Referrals beyond the mortgage itself
Money is rarely the only question. When it's useful, I connect clients and families to trusted resources outside my own expertise.
Home care and senior living
If funding care or a move to supportive housing is part of the picture, I can point you toward home care providers and Ontario resources worth knowing about.
Home Care & SupportGuidance for adult children
If you're researching on behalf of a parent, I'll walk you through what to ask, what to watch for, and how to bring the topic up gently.
For Adult ChildrenFull transparency
How I'm compensated
For reverse mortgage arrangements, the lender pays me a fee when a mortgage funds — you do not pay me directly. That's standard in the mortgage brokerage industry, and it's disclosed as part of the paperwork you'll review with your own lawyer.
For referrals to home care providers, lawyers, financial planners, or other professionals, I don't accept referral fees or kickbacks. Those introductions are made because I think they'll help you, not because they benefit me.
Approval, rates, and the amount you can access are never guaranteed and depend on each lender's own underwriting.
Not sure which of this you need?
That's a normal place to start. A short call is usually enough to figure out where to focus.