Compare Canada's Top
Reverse Mortgage Rates
We track live data from HomeEquity Bank (CHIP Reverse Mortgage), Equitable Bank, Bloom, and Home Trust daily. Compare the major lender rates side-by-side in one clear chart.
Current Reverse Mortgage Rates
Rates are subject to change without notice and may vary depending, property type, location and other factors. The rates shown are for informational purposes only and do not constitute a commitment to lend.
Common Questions About Canadian Reverse Mortgage Rates
Beyond the Headline Rate:
The Strategic Assessment
The lowest number on a rate sheet is rarely the full story. Products with aggressive headline rates frequently impose higher setup costs, restrictive lending limits, or heavy penalties for early repayment. We do not simply sell rates; we structure financial solutions.
We Validate the Strategy Before the Rate.
Our process begins with a comprehensive financial assessment to determine if a reverse mortgage is truly your most cost-effective option.
Alternative Analysis:
We review your goals and financial profile to determine whether a reverse mortgage is the right tool for you, or if a conventional mortgage or HELOC may better serve your needs.
Precision Selection:
If a reverse mortgage best fits your needs, we provide shortlisted lender options with policy terms aligned to your unique long-term plan, helping optimize borrowing costs for your specific financial objectives.
Unlock Wholesale Access
The rates displayed in the table above are the banks' posted retail rates. This is the standard pricing offered to the general public.
We operate in the wholesale market. Because we originate millions in volume, we access wholesale leverage that allows us to negotiate terms often unavailable to direct applicants.
What this means for you:
Access to volume-based discount options: Access to rate promotions that may not be advertised to individual borrowers online.
We Get Lenders to Compete: We don't just accept the first offer. We pull quotes from multiple lenders and use them as leverage against each other, forcing the banks to drop their rates or improve their terms to win your business.
Bespoke advocacy: Automated systems can miss context and treat every applicant as a number. When we represent you, we create the leverage needed to negotiate policy exceptions and superior terms by highlighting the specific strengths of your property and financial history.
Don't Settle for the First Number You See.
Rates change daily. Book a strategic assessment to lock in today's best offers and build a plan that protects your equity.