Are you 55+ and carrying mortgage or debt into retirement?

We help find safe, regulated options to stay in your home, reduce payment stress, and protect your future

(no-obligation - no up-front credit check)

✅ We never charge a fee to arrange a reverse mortgage.

✅ No up-front credit check.

We only work with reputable, regulated Canadian lenders.

(Reverse Mortgage Lenders, Banks other Regulated Lenders)

You always get independent legal advice of your own for impartial counsel.

Why talk to me instead of your 'corner bank' or a 'reverse‑only' lender?

✅ Not just reverse mortgages - 25+ years as a licensed broker in Alternative Financing.

• Former bank director + underwriter — I understand how lenders assess files.

• I compare reverse mortgages + other reputable options so you’re not pushed into one product.

'Since 1999 I’ve helped thousands of people from across the country with tailored mortgage solutions.'

Specializing in 'Alternative Mortgage Financing' I provide appropriate financing solutions for my clients: NOT JUST REVERSE MORTGAGES.

CLICK BELOW TO HEAR MORE!

Just tell us the basics and we’ll review whether a Reverse Mortgage

or another home-equity strategy is the most suitable fit for your situation.

Common Situations:

• Retired with a mortgage and struggling to keep up with payments.

• HELOC payments too high on a fixed income.

• Need cash for groceries, car, home repairs, taxes, pay debt.

Of course you could call any one lender directly yourself, but:

❌ They can only offer their own products.

❌ No access to other alternatives.

❌ If you pay for an appraisal, they control it and it can’t be reused elsewhere.

👎 If you’re declined by the lender you called or unhappy with rate, fees, etc. you’ll have to start over from the beginning with someone else (and you don't get to bring your appraisal with you). ⭐️⌨️

When you work through me:

✅ Lowest rates. Impartial guidance.

✅ Experience with Alternative Options

✅ I work for you, not any single lender.

✅ Properly underwritten up-front

✅ Re-submit your file to other lenders any time without restarting process.

👍You benefit from 25+ years of underwriting and alternative‑lending experience.


I work for you, not just one lender. That's our mandate.

What If a Reverse Mortgage Isn’t Right for Me?

A reverse mortgage is not the best fit for everyone—and I will tell you that if it’s the case. Your assessment looks at your age, home value, income, debts, and goals to see whether a reverse mortgage is appropriate.

If it isn’t, we’ll explore other regulated options, such as alternative mortgages or blended strategies, that may still reduce your payments or relieve pressure without using a reverse mortgage.

✅ The goal is simple: the most suitable solution —not pushing one lender or product.

What If a Reverse Mortgage Is Right for Me?

If a reverse mortgage is the right solution for you, the next question is: which one?

There are multiple reverse mortgage lenders in Canada, each with different products, costs, rates, penalties, and features. Some emphasize lower rates, some higher access to equity, and others more flexibility.

My role is to:

• Compare multiple reverse mortgage lenders and products side‑by‑side.

• Match the details of your situation to the most suitable structure.

• Explain the trade‑offs in plain language so you can decide with confidence.

Choosing the wrong product can mean paying more interest than necessary, losing flexibility, or creating problems for your estate.

There is no reason to try to figure this out on your own - expert help costs nothing extra.

I am paid by the lender, but I work for you. You never pay me a fee to arrange a reverse mortgage, and you still receive independent legal advice from your own lawyer before anything is finalized.

How it works

1. Share a few basics. 👍

Tell me about your home, age, mortgage, and goals.

2. Review all suitable options. 👍

We compare reverse mortgages and other regulated alternatives from multiple lenders to see what fits best.

3. Choose with confidence. 👍

You receive a clear recommendation, time to review it, and independent legal advice before you sign any mortgage documents.

Call 289‑312‑6333 if you prefer

reverse mortgage expert

Hey, I'm Peter!

With 25 years as a lic. broker in alternative financing, I specialize in mortgages NOT available at your local bank.

25+ years brokering alternative financing

B.Comm. Economics/Finance

Diploma: Financial Services Underwriting

Former Bank Director, Mortgage Underwriter

Licenced, Trustworthy, Experienced.

"Since 1999 I’ve helped thousands of people across the country with tailored mortgage solutions."

Let’s talk about leveraging your home equity.
No surprises: just expertise + solutions.

For 25+ years I’ve helped Canadians who don’t fit the banks’ boxes or who are carrying mortgages into retirement find safe, regulated mortgage solutions—reverse mortgage or otherwise.

I specialize where traditional lenders say “no,”

or when regular mortgages just become too hard to manage.

You never pay me a fee for arranging a reverse mortgage or an institutional mortgage.

I’m paid by the lender, but my regulatory responsibility is to work for you...not the lender.

My goal is is to find you the best options and help you avoid costly mistakes.

Common Uses

Tax-Free Cash

Home Renovations

In-Home Care

Travel & Leisure

Debt Consolidation

Supplemental Income

No Monthly Payments

Equity Access

Legacy Protection

Call Today 289-312-6333

STILL NOT SURE?

Frequently Asked Questions

Here are some of the most FAQs

What exactly is a reverse mortgage?

A reverse mortgage is a government regulated loan for homeowners 55 and up that turns home equity into tax-free cash. You remain the title holder, stay in your home, make no payments (unless you want to) until you sell or move.

Who qualifies for a reverse mortgage?

Any Canadian homeowner aged 55+ with significant equity in their primary residence. There’s no minimum income requirement, however approval is based on your age, home value & location and how much existing debt (including mortgages) you have.

When do I have to start repaying?

Repayment only happens when the home is sold or you permanently move out. Until then, you are not required to make payments. Interest will accrue unless you elect to pay it each month which you may. You can make pay the interest each month if you wish to. This is up to you. You can also elect to make payments towards the principal each year if you wish to (allowances vary lender-to-lender).

What fees and costs should I expect?

You’ll see a one-time appraisal fee, your lawyer fees and a small setup charge—all disclosed up front. There are no hidden surprises, and we charge no mortgage broker fees for any assistance setting up your reverse mortgage. Period. It's expert advice, guidance and assistance at no extra cost to you.

How will this affect my heirs?

Heirs can repay the loan in any manner to keep the home just as with any other type of mortgage, including getting a mortgage of their own or sell the property to settle the balance. Any remaining equity after repayment belongs to your estate / heirs.

How do I know if one is right for me?

A mortgage broker represents the borrower. That's your major advantage in dealing with us. We are independent and objective. It's your biggest advantage in dealing with us. It's not our job to sell you any one lender's mortgage.

You can trust us not only to tell you which lender's reverse mortgage product is most suitable for you, but we will tell you if a reverse mortgage may not be the right fit for you. If that's the case we'll help you find the product that's the best fit.

Why apply with just one lender if you don't know if they have the best product?

Work with someone who can access all the right lenders, products from the start.

What if I don't qualify or need more money?

This is where we particularly shine. For 25 years, Principal Broker Peter Fabry has specialized in Alternative Mortgages for the 1-in-3 Canadians that cannot qualify for the product at their local (Tier 1) bank with limited products and strict guidelines.

There are great mortgages from other (Tier 2) banks, trusts, mortgage co's, etc.. That's your BIGGEST ADVANTAGE working with our company. If there is a better product out there we know how to find it and get it for you.

Why apply with just one lender if they can't help you if you are declined or aren't offered enough money? They can only sell their own mortgages. Work with the right broker who can access all the products - right from the start.

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