Reverse Mortgage Pros – Free, Independent, Expert Advice You Can Trust
A reverse mortgage is a major financial decision. That’s why it’s important to get free, independent, and impartial advice to determine if it’s the right fit for you and your family. At Reverse Mortgage Pros, we don’t work for the lenders — we work for you, ensuring you have all the facts to make a fully informed decision
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Understanding Reverse Mortgages: What They Really Are
Before considering a reverse mortgage, it’s essential to understand exactly how it works. The best place to begin is with our free guidebook, which reveals the facts about reverse mortgages. Over 35,000 Canadians have already used it to determine whether a reverse mortgage was the right choice for them.
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Get All your Questions Answered
Explore our most frequently asked questions to gain quick clarity on everything from mortgage basics to our advanced strategies. This section is designed to give you confidence before you make any decisions—because good planning starts with good understanding.
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A Short Video Explanation Of Reverse Mortgages In Canada
This short video explains what a reverse mortgage is, how it works, and the steps involved in getting one — all in under 30 minutes, using a real-life case study

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What We Offer
All Your Reverse Mortgage Questions Answered
Start with the life you want—then build the numbers to support it.
Get The Latest Rates
- Reverse mortgage rates are typically about 2% higher than regular mortgage rates. To see the latest rates — and learn how they work with reverse mortgages — visit the page below.
What Are The Costs & Fees?
- Understanding both the upfront and later costs of a reverse mortgage is essential to avoid unexpected expenses. In this article, I’ll break down all the fees you can expect to pay.
How About The Alternatives?
- For many people, a reverse mortgage is just one of several options to consider. In this article, I’ll explore the alternatives and show how a reverse mortgage compares to them.
What Are The Pros & Cons?
- As trusted specialists in Canada, we believe in being transparent by outlining both the benefits and drawbacks of a reverse mortgage – so you can feel confident that your choice is the best one for your situation
What Happens When A Reverse Mortgage Ends
- You probably want to know what happens when a reverse mortgage ends, what you could be leaving behind, and even how lenders make money if you’re not making regular payments.
What's In The Small Print?
- There are a few important details in the ‘small print’ of reverse mortgages that often raise questions. These include property maintenance, home insurance, paying property taxes, and how the home is used.
Appraisals & Your Initial Home Valuation
- When applying for a reverse mortgage – or any mortgage – determining your home’s value is a key step. Yet appraisals can sometimes feel intimidating, especially if you feel your home isn’t quite ready. If that sounds familiar, this article is for you
How Are Taxes & Government Benefits Impacted?
- In this article, I break down every government benefit in Canada and explain how each may be affected by a reverse mortgage — including potential tax implications.
How Much Can I Get?
- Reverse mortgages are often advertised as offering ‘up to 55%’, but in reality, the range is closer to 10%–55%. In this article, I’ll give you a rough idea of how much you could qualify for — and explain why.
What Penalties Are There For Early Repayment?
- Like any mortgage, reverse mortgages carry penalties for early repayment. However, the way these penalties work is quite different from a traditional mortgage — so this is an important topic to understand.
Do You Have A Free Reverse Mortgage Calculator?
- Comparing the growth of a reverse mortgage to the growth of your home equity is an important step in deciding if a reverse mortgage is right for you. This calculator can help you do just that.
Is There A Specialist Reverse Mortgage Broker?
- There are only a handful of mortgage brokers in Canada who truly specialize in reverse mortgages, which can make finding the right one a challenge. In this article, I’ll show you how to do it.
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Mortgage Consultation
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Why Choose Us
And All Of This Is Yours Absolutely Free...
Your Home Equity Lifestyle Plan™ is just the start. Through our network of experienced financial, legal, and tax professionals, we offer optional add-on strategies that help you maximize your reverse mortgage benefits and build a stronger retirement and estate plan
An independent, impartial mortgage expert to advise you at every step of the way.
Free professional advice so you can make sure that this is the right financial decision for you.
Top notch, award winning service from an award winning Mortgage Broker
Free help, information and guides for each step of the process.
Reduce your stress and anxiety around your financial decisions by getting professional help.
Dozens of free articles and advice on our website.
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- 2 Beds
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Tangerang, Indonesia
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- 2 Beds
- 2 Bath
- 1 Parking lot
- 1250sqft
Free Expert Resources to Guide Your Decision
There’s a lot of misinformation about reverse mortgages in Canada. That’s why I’ve written dozens of articles and created a full video education series — to give you the facts about how reverse mortgages truly work.
When making a financial decision this important, you deserve complete clarity and confidence. That’s why I produce more reverse mortgage educational content than anyone else in Canada.
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- Flexible Rates & Low Fees
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Appointment
Let's Talk with a Lending Specialist
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- Every Step Of The Way
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- Dedicated Loan Concierge
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- Flexible Rates & Low Fees
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Make an Appointment
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EXCELLENT Based on 37 reviews david Ajibulu2025-04-19Trustindex verifies that the original source of the review is Google. Got real professional advice and education on mortgage issues and home equity loan. Though we could not proceed with my application due to constraints from my side, we hope to reconvene at a future date to continue my application. Good job guys. Danielle Lauzon-Lewis2025-02-21Trustindex verifies that the original source of the review is Google. Nathaniel at Wise Equity was so great to work with. He really took the time to help us understand our options as well as worked tirelessly to get us the best rate for our Mortgage. If you want someone that will help ensure you get the right fit for your financial goals and needs, I highly recommend working with Nathaniel Gardner and his team at Wise. Jodine Richards2025-02-20Trustindex verifies that the original source of the review is Google. Wise Equity truly looks out for your well being and your future. Coming from someone who is unfortunately just starting to understand the importance of finances, the team was diligent in providing the education and understanding before any decisions are made. A forever customer! WAYNE BRYCE FLANNERY2025-01-10Trustindex verifies that the original source of the review is Google. Throughout the process, the Wise Equity team , particularly Shannell Thomas has been responsive and attentive to securing co-operation from the mortgage provider. Shannell is most professional and very easy to work with. I commend her in particular for her attention to details and overcoming the deficiencies of communication with Home Equity. If not for her efforts, I would have selected an alternate supplier. Bob Barrow2024-12-23Trustindex verifies that the original source of the review is Google. Excellent service. HEM is quite slow in their processes and Wise was very helpful and very prompt in eventually getting the funds. Would highly recommend. Kate Erickson2024-12-13Trustindex verifies that the original source of the review is Google. After having a terrible experience with Scotia Bank, I found Wise Equity by chance. We had given up finding traditional financing for our multigenerational home. I spoke to Nathaniel who thought he could find exactly what we needed and he was right. He brokered a great deal for us with TD. We cannot stress how impressed we all were with the entire Wise Equity team - extremely competent, friendly and efficient. Amazing level of communication! We couldn’t have asked for a better group of people to work with. We will recommend, and already have, Wise Equity to anyone who is looking for a mortgage. On top of that, because we didn’t have a real estate lawyer, Nathaniel suggested Parsons Law. They too were a dream to work with. Thank you, Nathaniel and every one on the Wise Equity team. Dan Pittman2024-08-21Trustindex verifies that the original source of the review is Google. Shanell was an absolute pleasure to deal with, always there to answer questions any time of the day. She was able to get me the financing I needed when so many couldn’t. She will definitely get my business in the future if I ever need financing. Awesome job Shanell. Tunde IGBODE2023-10-04Trustindex verifies that the original source of the review is Google. They exercise apt initiative and can inconvenience themselves in order to comfort clients and fulfill mandates.
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Make Any Decisions...
Pause and consider: What would I truly rather do?
Spend hours worrying about what’s true and what’s not
Contact multiple lenders and banks just to understand your options
Struggle to figure out the pros and cons on your own
Risk making a financial decision that could cost you later