Stay in Your Home.
Access Your Equity.

Clients in rural/remote areas, clients needing income-stream products, and clients who need a short-term bridge (CHIP Open).

• CHIP Open — 6-month bridge product with no prepayment penalty
• Income Advantage — monthly or quarterly scheduled advances for income replacement
• Available in all 10 provinces (broadest coverage)

Urban borrowers prioritizing the lowest rate and lowest setup costs. Best rates in Canada across all tiers.

• Broker-exclusive — cannot be accessed directly by consumers
• Lowest standard rates in Canada
• Lowest setup fee ($995 vs $1,795+)

Clients who want lifetime rate certainty (no renewal risk ever) or flexible on-demand equity access via the Prepaid Mastercard.

• Lifetime Fixed-Rate Reverse Mortgage — Canada's first, locks rate for entire loan life
• Bloom Prepaid Mastercard — access equity on-demand via prepaid card
• No prepayment penalty for downsizing, assisted living, or death

Borrowers who want the lowest fees ($995 setup, $0 renewal), competitive rates from a federally regulated bank, or borrowers 70+ who need up to 59% LTV via the Boost product.

• Tied for lowest setup fee in Canada ($995 — same as Equitable Bank)
• Three product tiers: EquityAccess, EquityAccess+, and EquityAccess Boost
• EquityAccess Boost offers up to 59% LTV for borrowers 70+ — highest LTV in market

Homeowners under 55 who cannot qualify for a reverse mortgage, or anyone who wants no monthly payments and believes their home will appreciate modestly (keeping the rate near the floor).

• No minimum age — available to anyone 18+ (unlike reverse mortgages which require 55+)
• Shared appreciation model — your rate is tied to your home's value change
• Rate floor and cap protect both borrower and lender