Reverse Mortgage Insights

Expert guidance for Ontario homeowners 55+. Written by Joseph Markham, FSRA #M13001543.

Featured

Reverse Mortgages in Canada: The Complete 2026 Guide

Everything Canadian homeowners 55+ need to know about reverse mortgages in 2026. Pros, cons, costs, all 4 lenders compared, rates, eligibility, and honest alternatives. Written by a licensed independent broker.

Joseph Markham

March 16, 2026

15 min read

Read the full comparison

Lender News

CHIP vs Equitable vs Bloom vs Home Trust: The Complete 2026 Comparison

An independent, side-by-side comparison of all four Canadian reverse mortgage lenders — rates, LTV, fees, eligibility, and who each is best suited for. Updated March 2026.

Joseph Markham

March 15, 202612 min read

Rates

Current Reverse Mortgage Rates in Canada — March 2026

Today's reverse mortgage interest rates from all four Canadian lenders, plus rate trend analysis and guidance on choosing fixed vs. variable.

Joseph Markham

March 15, 20267 min read

Education

Reverse Mortgage for Condo Owners in Ontario: What You Need to Know

Condos qualify for reverse mortgages in Ontario, but with some important differences. Learn about LTV adjustments, condo fees, and which lenders are condo-friendly.

Joseph Markham

March 10, 20269 min read

Tax & Benefits

Is Reverse Mortgage Income Taxable in Canada? Complete Tax Guide

Reverse mortgage funds are not taxable income in Canada — but there are important nuances for GIS recipients. Complete tax and benefits guide for 2026.

Joseph Markham

March 8, 202610 min read

Education

How Long Does a Reverse Mortgage Take in Canada? (2026 Timeline)

From application to funding, the typical reverse mortgage takes 3–6 weeks. Here's a detailed week-by-week breakdown of the approval process.

Joseph Markham

March 5, 20266 min read

Education

Toronto Reverse Mortgage Guide 2026: Rates, Lenders & How to Apply

Toronto homeowners 55+ have access to all four Canadian reverse mortgage lenders. With average home values above $1M, many qualify for substantial equity access.

Joseph Markham

March 3, 20268 min read

Tax & Benefits

Reverse Mortgage and OAS/GIS: Will It Affect Your Government Benefits?

The good news: reverse mortgage funds don't affect OAS or CPP. The nuances around GIS require careful planning. Here's the complete picture.

Joseph Markham

February 28, 20268 min read

Education

Reverse Mortgage with Bad Credit: Is It Possible in Canada?

Unlike traditional mortgages, reverse mortgages don't require good credit. Learn what lenders actually look for — and why your credit score matters less than you think.

Joseph Markham

February 20, 20267 min read

Family

The No Negative Equity Guarantee: What It Means for Your Family

All four Canadian reverse mortgage lenders guarantee you will never owe more than your home is worth. Here's exactly how this protection works in practice.

Joseph Markham

February 15, 20266 min read

Education

Ottawa, Hamilton, London, Barrie, Kitchener Reverse Mortgage Guide

Local reverse mortgage guidance for Ontario's major cities outside Toronto. Average home values, lender availability, and local market context for homeowners 55+.

Joseph Markham

February 10, 202610 min read

Have Questions?

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