Straight Talk on Reverse Mortgages — Articles Worth Reading

No jargon. No sales pitch. Just what you actually need to know about home equity in retirement.

Where Does Canada's Reverse Mortgage Industry Go From Here? What New Lenders Mean for Borrowers

Where Does Canada's Reverse Mortgage Industry Go From Here? What New Lenders Mean for Borrowers

Where Does Canada's Reverse Mortgage Industry Go From Here? What New Lenders Mean for BorrowersMatthew Hines
Published on: 24/04/2026

Canada's reverse mortgage market has more lenders than ever. Here's what that competition means for rates, products, and borrower outcomes — and what to watch going forward.

How Canadian Reverse Mortgage Rates Are Set — and Why the Number You See Today Isn't the Whole Story

How Canadian Reverse Mortgage Rates Are Set — and Why the Number You See Today Isn't the Whole Story

How Canadian Reverse Mortgage Rates Are Set — and Why the Number You See Today Isn't the Whole StoryMatthew Hines
Published on: 07/05/2025

The rate on a Canadian reverse mortgage is set by the lender — but what drives it, how it compares to other products, and what happens at renewal is what actually matters. Here's the complete picture.

What the No Negative Equity Guarantee Actually Means — and What It Doesn't

What the No Negative Equity Guarantee Actually Means — and What It Doesn't

What the No Negative Equity Guarantee Actually Means — and What It Doesn'tMatthew Hines
Published on: 29/04/2025

Every Canadian reverse mortgage comes with a no negative equity guarantee. Here's what it actually covers, what it doesn't, and why the distinction matters for borrowers and their estates.

Semi-Annual Compounding — What It Means for Your Reverse Mortgage Balance Over Time

Semi-Annual Compounding — What It Means for Your Reverse Mortgage Balance Over Time

Semi-Annual Compounding — What It Means for Your Reverse Mortgage Balance Over TimeMatthew Hines
Published on: 18/04/2025

Canadian reverse mortgage interest compounds semi-annually by law. Here's what that actually means for the balance over 5, 10, and 20 years — with honest numbers.

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