Your Clients Are Asking About
Reverse Mortgages.
Here's your trusted partner. We work alongside your advisory relationship — never replacing it.
Why Professionals Trust Us
Suitability comes first — always. If a reverse mortgage isn't right for your client, we'll say so directly. Your reputation is worth more than any one transaction.
Co-branded calculator
A white-labelled version of our reverse mortgage calculator for your website or client portal.
Client-ready explainer PDF
A professionally designed reverse mortgage overview document under your branding.
CE-eligible workshop
A 1-hour workshop for your team counting toward CFP, CPA, or Legal CPD credits.
Quarterly rate report
Ontario's reverse mortgage rate report delivered to your inbox every quarter.
Priority callback line
Direct line for advisor questions. We respond to partner inquiries within 2 business hours.
Suitability-first process
We will never put a client in a product that doesn't suit them. Your professional reputation is safe with us.
The Referral Process
Simple, transparent, and completely in your control
Submit a referral
Take 2 minutes — name, contact info, and a brief note about their situation.
Your client is contacted within 24 hours
We reach out by phone, introduce ourselves, and schedule a no-obligation suitability call.
You receive a suitability assessment
With client permission, we share a written summary of their suitability and the options recommended.
We report back at every stage
Application submitted, approved, funded — you're kept in the loop.
Your client relationship is 100% yours
We are a specialist referral partner. We never cross-sell, never compete, and never replace your advisory relationship.
Referral Trigger Guide
10 Signs Your Client May Be Ready for a Referral
These are the scenarios where a reverse mortgage conversation is often most timely. Watch for them in your practice.
Sale of Investments
Your client is liquidating registered or non-registered investments to fund living expenses. A reverse mortgage may preserve their portfolio and its compounding potential.
Declined by a Traditional Lender
Credit score too low, income insufficient, or back taxes owing? A reverse mortgage has no income or credit requirements — making it the only viable option for many homeowners.
Living Inheritance or Down Payment Help
Your client wants to help a child or grandchild with a down payment, education costs, or divorce settlement — without drawing down their own portfolio.
Payment Struggles
Late mortgage or credit card payments, frequent overdraft, or complaints about the cost of living. A reverse mortgage eliminates monthly debt payments entirely.
Death of a Spouse
The surviving spouse faces reduced income from CPP/pension and may need to requalify for revolving credit alone. A reverse mortgage provides stability without requalification.
Grey Divorce
One spouse wants to buy the marital home from the other after separation. A reverse mortgage allows the staying spouse to complete the buyout without taking on new monthly payments.
Real Estate Investment or Bridge Financing
Your client wants to purchase a property, a vacation home, or needs bridge financing — without selling existing holdings or qualifying for a new conventional mortgage.
Children Financially Assisting Parents
Adult children are covering a parent's bills or providing monthly support. A reverse mortgage can restore the parent's financial independence and relieve family strain.
Homecare for One Spouse
One partner in the household needs homecare or assisted living. A reverse mortgage can fund in-home care, potentially avoiding — or delaying — a costly care facility.
Financial Plan Shortfall
The retirement income plan has a monthly cash flow gap. Home equity is often the largest untapped asset — and a reverse mortgage unlocks it without disrupting the broader financial plan.
What Partners Are Saying
"I've referred four clients to Joseph in the last year. Every single one came back and thanked me. He's the most thorough and honest broker I've worked with — and he never makes me look bad."
Patricia R., CFP
Independent Financial Planner, Ottawa
"My clients trust me not to waste their time. Referring to Joe is easy — I know clients get a suitability-first process. He'll tell them if a reverse mortgage isn't the right fit."
Mark S., CPA CGA
Private Accounting Practice, Toronto
"I see clients who've already signed with CHIP and don't understand what they signed. Now I refer anyone considering a reverse mortgage to Joseph first — before they go anywhere else."
Sandra L., Elder Law Specialist
Barrister & Solicitor, Hamilton
CE-Eligible Reverse Mortgage Workshop
Book a 1-hour workshop for your team — available for CFP, CPA, and Legal CPD credits.
Covers: product mechanics, eligibility, all 4 lenders, suitability framework, client objections
Advisor FAQ
The questions we get from professional partners
Resources to Share with Clients
Express Partner Interest
Tell us about your practice and how we can work together.