Loan amount, costs, amortization, and payout vs break-even.
Free Reverse Mortgage Calculator — No Personal Information
Run a Canada reverse mortgage calculator with no personal information — no name, email, or phone. Compare CHIP, Equitable, Bloom, and Home Trust in your browser.
Run the numbers.
Estimate, compare, estate, or book — same punch-ticket ledger as Start Here.
HELOC, downsizing, CHIP vs Equitable, and 20-year equity.
OAS/GIS impact and what heirs inherit.
Run the estimator, then book if you want actual offers compared.
Frequently Asked Questions
How much can I borrow with a reverse mortgage in Canada?
Canadian reverse mortgage lenders typically allow access to 15%–55% of your home's appraised value, depending on your age, property type, and lender. Older borrowers and lower LTV requests generally qualify for higher percentages.
What is the minimum age for a reverse mortgage in Canada?
The youngest borrower on title must be at least 55 years old for CHIP, Equitable Bank, Bloom, and Home Trust.
What is the maximum LTV on a Canadian reverse mortgage?
The maximum loan-to-value is generally 55% of appraised home value on standard products, with select products allowing up to 59% in some cases.
Ready to run the numbers?
Start with the loan estimator, then book a call if you want a broker to compare actual offers.