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Plain Talk on Reverse Mortgages for Canadians 55+
A free 6-episode podcast series by Peter Fabry — licensed mortgage professional since 1999. Plain language. No sales pitch. Listen on Spotify, Apple Podcasts, and Amazon Music — or right here.
Also available on Apple Podcasts and Amazon Music — search "Peter Fabry Plain Talk"
Episode 1 — What Is a Reverse Mortgage?
What a reverse mortgage actually is, how it works, who qualifies, and what the four Canadian lenders offer. Peter covers the eight questions he hears from almost every client — including whether you can lose your home, how much you can actually borrow, and when a reverse mortgage might not be the right product at all.
Episode 2 — Pros & Cons
The honest version — not the lender's brochure version. Peter walks through the genuine advantages of a reverse mortgage for Canadians on fixed retirement income, and the real drawbacks you need to understand before you sign. No cheerleading, no scare tactics. Just the information you need to make an informed decision.
Episode 3 — Costs & Fees
What does a reverse mortgage actually cost? Peter breaks down every fee — upfront, at closing, and over the life of the loan — so there are no surprises. Includes the four rates that actually affect what you pay (most lenders only talk about one of them), and what to watch for in the fine print.
Episode 4 — Why Banks Are Cancelling HELOCs
Canadian seniors have been counting on their home equity line of credit — and some are finding it reduced or cancelled without warning. Peter explains why this is happening, what it means for retirement planning, and why a reverse mortgage may offer more stability than a HELOC for Canadians who can't qualify for traditional financing on pension income.
Episode 5 — Myths & Horror Stories
The internet is full of reverse mortgage horror stories — some true, most distorted, a few completely fabricated. Peter goes through the most common myths one by one and separates fact from fiction. If you've read something alarming and want the other side of the story, start here.
Episode 6 — CPP, OAS & GIS: How a Reverse Mortgage Fits
CPP, OAS, and GIS are the foundation of retirement income for millions of Canadians. Peter explains how a reverse mortgage interacts with each — including what counts as income for GIS purposes, how to avoid benefit clawbacks, and how home equity can fill the gaps that government programs don't cover.
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Plain-language reverse mortgages info. for Canadians 55+ — subscribe to Rewind Mortgage YouTube
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Disclaimer: This content is for informational purposes only and does not constitute mortgage, financial, or legal advice. We do not accept liability for any loss or damage resulting from acting or not acting on information provided. Always consult a licensed mortgage professional regarding your specific situation.
AI Disclosure: These podcast episodes were created using AI-assisted audio generation based on original written content by Peter Fabry. The information reflects Peter's professional knowledge and experience — the AI serves as a presentation format only.
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