Compare Canada's Top
Reverse Mortgage Rates
We track live data from HomeEquity Bank (CHIP Reverse Mortgage), Equitable Bank, Bloom, and Home Trust daily. Compare the major lender rates side-by-side in one clear chart.
Current Reverse Mortgage Rates
*Updated today
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Rates are subject to change without notice and may vary depending, property type, location and other factors. The rates shown are for informational purposes only and do not constitute a commitment to lend.
The Rates Above Are Retail.
Unlock Wholesale Access.
The rates displayed in the chart are the banks' posted retail rates. This is the standard pricing offered to the general public.
We operate in the wholesale market. Because we originate millions in volume, we access wholesale leverage that allows us to negotiate terms often unavailable to direct applicants.
What this means for you:
Access to volume-based discount options: Access to rate promotions that may not be advertised to individual borrowers online.
We Get Lenders to Compete: We don't just accept the first offer. We pull quotes from multiple lenders and use them as leverage against each other, forcing the banks to drop their rates or improve their terms to win your business.
Bespoke advocacy: Automated systems can miss context and treat every applicant as a number. When we represent you, we create the leverage needed to negotiate policy exceptions and superior terms by highlighting the specific strengths of your property and financial history.
Beyond the Headline Rate:
The Strategic Assessment.
The lowest number on a rate sheet is rarely the full story. Products with aggressive headline rates frequently impose higher setup costs, restrictive lending limits, or heavy penalties for early repayment. We do not simply sell rates; we structure financial solutions.
We Validate the Strategy Before the Rate.
Our process begins with a comprehensive financial assessment to determine if a reverse mortgage is truly your most cost-effective option.
Alternative Analysis:
If a conventional mortgage or standard home equity line of credit (HELOC) better serves your liquidity goals, we will recommend it immediately.
Precision Selection:
Once the strategy is confirmed, we hand-select the specific lender and policy terms that align with your unique long-term plan, ensuring the cost of borrowing is optimized for your specific financial objectives.
See How Much Tax-Free Equity You Can Access.
Knowing the interest rate is step one. Step two is determining your borrowing power. Your maximum loan amount is determined by your age, property location, and home value. Use our calculator to get an instant estimate of your available borrowing power.
Common Questions About Reverse Mortgage Rates
Don't Settle for the First Number You See.
Rates change daily. Book a strategic assessment to lock in today's best offers and build a plan that protects your equity.