Your Free Reverse Mortgage Report. All Canadian Reverse Mortgage Lenders. Side by Side.
Most Canadians who explore a reverse mortgage only ever see one lender's numbers. This report shows you all lenders — rates, costs, renewal structure, draw options, and a projected equity analysis based on your specific home type and area.
It's free. It's written. And it's the starting point for making a decision with the full picture in front of you.
- What you'll receive -
A written analysis built for your file. Not a template.
01
All lenders compared
Rates, costs, terms, and conditions side by side. No lender is favoured — the right one depends on your file.
02
Renewal rate structure
The question most borrowers never ask — and the one that determines long-term cost more than any other. Shown clearly for every product.
03
Draw options compared
Lump sum, monthly deposits, charge card draws. Which lenders offer which structures, and which fits your intended use.
04
Equity projection
Your opening equity after the mortgage, projected forward at a conservative 3.5% compounded annual growth rate — or the actual historical rate for your specific property type and area, if lower. Remaining equity shown at Year 5, Year 10, Year 15, Year 20.
05
Historical CAGR for your area
We pull the compounded annual growth rate for your specific property type and neighbourhood — so the projection is grounded in what your home has actually done, not a national average.
06
A clear recommendation
Which lender and product structure best fits your situation — and why. Or, where relevant, an honest explanation of why a different path may serve you better.
"If a reverse mortgage isn't right for your situation, we will say so. That's happened more than once. We'd rather tell you upfront than have you proceed with something that doesn't serve you."
— Matthew Hines, Licensed Mortgage Agent Level 2 · FSRA #M09000211
- Request your report -
Tell us about your situation.
Your information is used only to prepare your analysis. No spam. No sales calls without your consent.
- What happens next -
What happens after you submit.
01
We review your submission
We review your property details, age, and situation within one business day.
02
Your report is prepared
A full written analysis comparing all reverse mortgage lenders — personalised to your file, not a template.
03
We send it and follow up
Your report arrives by email. We follow up to walk through it with you — or answer questions — at your pace, with no pressure.
Prefer to book a convenient time for your follow-up?
- keep Learning -
Straight Talk from the Blog
Plain-language articles to help you make better decisions. No fluff. No filler.
Grey Divorce in Canada After 60: Housing and Equity Options You Should Know
Divorcing after 60? Learn how to navigate grey divorce in Canada with smart housing strategies and home equity solutions that don’t require income or traditional financing. ...more
Protected HELOC Basics ,Women & Finance &Divorce & Money
October 12, 2025•4 min read
How Retirees in Canada Can Use Home Equity Without Losing Control
Explore smart ways for Canadians 60+ to unlock their home equity without risking financial flexibility. Learn how the Protected HELOC® offers secure, customizable access to retirement cash flow. ...more
Retirement Planning ,HELOC vs Reverse Mortgage Reverse Mortgage Alternatives &Retirement Income Strategies
October 09, 2025•3 min read
Why Most Financial Advisors Get Reverse Mortgages Wrong — and What a Good One Does Instead
Most Canadian financial advisors default to "avoid it" on reverse mortgages. Here's what the evidence actually says — and what a genuinely client-focused advisor does with it. ...more
Family & Advisors
March 31, 2026•8 min read
How Do You Split a House Without Selling It? The Equity Buyout Most Divorcing Couples Never Consider
When one spouse wants to keep the house in a grey divorce, a reverse mortgage can fund the buyout — no sale, no income qualification, no forced timeline. Here's how it works. ...more
Making Your Decision
March 21, 2026•11 min read
Grey Divorce — You Kept the House. Now What?
You kept the house in the divorce. Now you can't qualify for a new mortgage on your own, and the equity is locked. Here's what Canadian homeowners 55+ can do. ...more
Making Your Decision
March 20, 2026•12 min read
Canada's trusted plain-language resource for reverse mortgage information. Helping Canadians 55+ understand their options and make confident decisions.
Matthew Hines | Mortgage Agent, Level 2
Ontario - FSRA #M09000211
Contact
(647) 372-0762
8 Sampson Mews, Suite 201 Toronto ON
M3C 0H5
This website provides general information only and does not constitute financial, legal, or mortgage advice. Always consult a licensed professional for advice specific to your situation. - Helping Canadian homeowners aged 55+ enjoy more financial freedom. Home Equity Freedom. | www.homeequityfreedom.ca | Privacy Policy
Copyright 2026. Matthew Hines - Home Equity Freedom. All Rights Reserved.