Stay in the home you love.

Discover your tax-free home equity options in 60 seconds.

No monthly mortgage payments required. You remain the owner of your home.
Your personalized Home Equity Report will be prepared by a licensed specialist.

Tax-Free Cash From Your Home Equity

Use the funds for retirement income, debt relief, renovations, medical needs, or helping family.

No Payments Required

Stay in your home and maintain full ownership. No mandatory mortgage payments for as long as you live in your home.

Simple Qualification

Eligible for homeowners 55+. No traditional income verification or credit scoring required.

A SAFE, Federally Regulated Canadian Program You Can TRUST

Reverse mortgages in Canada operate within a federally regulated lending framework. You keep full ownership of your home, and every step is designed to protect your equity, your privacy, and your long-term financial security.

You Keep Ownership of Your Home

You remain on title and stay in full control of your property. Your home stays in your name, and you make all decisions about upkeep, improvements, and when or if you ever decide to move.

Access Tax-Free Cash From Your Equity

Unlock a portion of the equity you’ve built over the years without selling, downsizing, or taking on monthly mortgage payments.

More Than 30 Years of Proven Use in Canada

Reverse mortgages have been helping Canadian homeowners 55 and older for over three decades, offering a well-established and trusted option for retirement planning.

Easy, Stress-Free Application Process

Designed for homeowners 55 and older, the application is simple and guided. No complex paperwork, no income verification hurdles, and no pressure.

No Mandatory Monthly Mortgage Payments

Enjoy financial flexibility with no requirement to make monthly payments. Repayment occurs only when you sell the home or leave the property.

Protected by Canadian Lending Regulations

Reverse mortgage programs follow federal guidelines that safeguard homeowners and ensure a transparent, predictable borrowing experience.

No pressure. No obligation. Just safe, structured, and senior-friendly financing.

“Financing should never feel overwhelming. My role is to give you clarity, respect your goals, and help you understand your options so you can make the right decision for your future — with confidence and without pressure.”

Brad Plummer

Mortgage Broker with Referral Mortgages Inc.

FSRA #13316

A Simple, Guided Way To Improve Your Retirement Cash Flow

Stay in your home as long as you want
Remove monthly mortgage payments
Access tax-free cash using your home equity
Eliminate financial stress from debt
Help children or grandchildren
Avoid selling investments during market lows
Enjoy a more comfortable and secure retirement

Explore My EligibilitySee if a reverse mortgage fits your financial goals.

Simple Guided Process Designed for Canadian Homeowners 55 and Better

From your first assessment to receiving funds, every step is clear, secure, and supported by a licensed mortgage broker regulated by FSRA.

Take the 60 Second Home Equity Assessment

Answer a few basic questions about your home so we can understand your eligibility and estimate how much tax-free cash you may qualify for.

Receive Your Personalized Home Equity Report

Brad will review your details and prepare a clear, easy-to-read report that outlines your options with no pressure and no obligation.

Home Valuation and Si Document Review

Your home value is confirmed through either a desktop review or a standard appraisal. We gather only the documents required, with no income verification or complicated paperwork.

Funds Are Released and Your Plan Begins

Your tax-free funds become available, debts can be paid out, and there are no mandatory monthly mortgage payments moving forward.

Start My Secure Online AssessmentYour information is fully encrypted and confidential.

You Stay in Full Control at Every Step

A reverse mortgage is designed to give you more freedom, not less.
You decide what happens, when it happens, and if it happens at all.

You Keep Full Ownership of Your Home

Your name stays on title and you make every decision about your property.

Your Home May Continue to Grow in Value

Your equity can increase over time as the property appreciates.

Your Information is Private and Securely Protected

Everything you share is encrypted and handled confid

There is Never any Pressure to Proceed

You decide if a reverse mortgage is right for you, we simply give you the facts

There Are No Mandatory Monthly Mortgage Payments

You choose whether you want to make payments or not.

You Choose When or IF you Ever Want to Move.

No Timelines, No Pressure, No Forced Decisions

Book My Free ConsultationSpeak with Brad directly for personalized guidance.

What Our Clients Say

We’re proud of our work—here’s what our clients have to say about partnering with us:

Frequently Asked Questions

Got questions? Here are answers to common queries before starting your home loan journey with us.

Will I still own my home?

Yes. You remain on title and stay in full control of your property.

Do I have to make monthly mortgage payments?

No. There are no mandatory payments. You can make payments if you choose, but it is not required.

When do I have to repay the reverse mortgage?

Repayment happens when you sell your home, move out, or when the last borrower leaves the property.

How much equity will I still have in the future?

Over 99 percent of clients retain equity when they leave their home. Your home may continue to grow in value over time. In the other 1% of the time, you are backed by a Negative Equity Guarantee meaning you will never have to repay more than your house is worth.

Will this affect my government benefits?

Reverse mortgage funds are tax-free and typically do not affect CPP, OAS, GIS, or other government benefits.

Can I qualify if I am retired or on a fixed income?

Yes. Qualification is based on your age and home value, not your income or credit score.

What can I use the money for?

Anything you choose. Common uses include debt repayment, renovations, medical costs, home maintenance, or helping family.

What if my spouse is under 55?

Both homeowners must be 55 or older. If one applicant is under 55 we can review things on a case by case basis.

What happens to my estate?

Your home remains part of your estate. Any remaining equity goes to your beneficiaries.

Is the process complicated?

No. The process is guided and simple, with clear explanations at every step and support from Brad and Jen.