Book a Free Consultation
Speak with a licensed mortgage specialist about your reverse mortgage options. We compare all five Canadian lenders — CHIP, Equitable Bank, Bloom, Home Trust, and Fraction — so you can make an informed decision. No obligation, no pressure, no cost.
What to expect
A relaxed 15–20 minute phone or video call. We discuss your situation, outline the options that fit, and answer your questions in plain English. You will not be asked to sign anything on the call.
Who you will speak with
A licensed mortgage specialist from the Reverse Mortgage Centre, part of Mortgage Architects — LendCity (FSRA #12728). Regulated by your provincial mortgage authority.
What it costs
Nothing. Consultations are free and there is no cost to use a broker — mortgage brokers in Canada are compensated by the lender when a mortgage is funded, and that compensation is disclosed to you in writing before you sign anything.
What to expect from your first call
- • A 15-30 minute conversation focused on your goals and timeline
- • Clear explanation of lender options available in your province
- • High-level estimate of what you may qualify for
- • Honest discussion of alternatives if a reverse mortgage is not the best fit
Pick a time that works for you
Free Consultation
What to have ready
You do not need to prepare anything formal, but the conversation is more productive if you have a rough sense of the following:
- • Your approximate age (and your spouse's age, if applicable — both must be 55+)
- • Your home's approximate value
- • Any existing mortgage or HELOC balance still owing on the property
- • A rough sense of how much equity you would like to access, or what you plan to use the funds for
- • The province you live in
If you do not have exact numbers, estimates are fine. We can refine the details later.
What NOT to expect
- • No sales pressure. If a reverse mortgage is not right for you, we will tell you and point you toward better alternatives.
- • No commitment on the call. You will not be asked to apply, sign, or decide anything. The call is purely informational.
- • No SIN, no credit check, no personal financial details required to book. To book the call you only share your name, contact information, and a time. Anything beyond that is strictly your choice.
- • No spam. We do not sell your contact information and we do not enrol you in marketing lists.
Not ready to book?
That is completely fine. Most Canadians spend several weeks researching before they speak with anyone. Here are good places to keep learning on your own:
- • What is a reverse mortgage? — the complete Canadian primer
- • Free loan estimate calculator — see how much you might qualify for, no personal information required
- • Compare all 5 Canadian lenders — rates, fees, and features side-by-side
Why work with us
The Reverse Mortgage Centre is an independent Canadian mortgage brokerage operating under Mortgage Architects — LendCity (FSRA #12728). We are licensed, regulated, and compensated by the lender when a mortgage funds — never by you. Because we are independent, we compare all five reverse mortgage products on the market (CHIP, Equitable Bank Flex, Bloom, Home Trust EquityAccess, and Fraction) and recommend the one that actually fits your situation. Every broker compensation figure is disclosed in writing before you sign. See our about page for full licensing details.
Prefer a different way to get in touch?
- Phone
- 226-212-7200
- Hours
- Monday–Friday, 9:00 a.m. – 5:00 p.m. ET
- Callback
- Prefer a written form? Request a callback on our contact page.