Reverse Mortgage

Reverse Mortgage

Canadian Homeowners Are Sitting On Record Equity

Reverse Mortgage2026-06-12T14:45:06-07:00

Confidential Equity Release Review

Your Home Has
Hidden Wealth.
Let’s Unlock It.

Canadian homeowners 55+ are accessing tens of thousands in tax-free equity — without selling, without monthly payments. Find out what you qualify for today.

Confidential & No Obligation

Retirement With Room To Breathe

More freedom, less monthly pressure, and more confidence in the years ahead.

55%

of home value — potentially accessible tax-free

$0

required monthly payments (CHIP option)

Tax-Free

funds — not considered income by the CRA

Confidential Equity Release Review

Your Home Has
Hidden Wealth.
Let’s Unlock It.

Canadian homeowners 55+ are accessing tens of thousands in tax-free equity — without selling, without monthly payments. Find out what you qualify for today.

Confidential & No Obligation

Retirement With Room To Breathe

More freedom, less monthly pressure, and more confidence in the years ahead.

55%

of home value — potentially accessible tax-free

$0

required monthly payments (CHIP option)

Tax-Free

funds — not considered income by the CRA

Jeff Fraser Mortgage

Hi, I’m Jeff Fraser.

Your Vancouver Mortgage Broker

Jeff Fraser Mortgage

Hi, I’m Jeff Fraser.

Your Vancouver Mortgage Broker

Jeff Fraser Mortgage

Hi, I’m Jeff Fraser.

Your Vancouver Mortgage Broker

Call Me: 604-340-1809

The Challenge

Retirement Looks

Different Than It Used To

Many Canadian homeowners 55+ find themselves equity-rich but cash-poor. The solution is already in your home — you just need the right strategy to access it.

Canadian Homeowners Are Sitting On Record Equity

$1.4T

Home equity held by Canadians 55+

73%

Retirees who prefer to age in place

3x

Growth in equity release adoption since 2018

Less Monthly Stress

A strategy designed to help turn home equity into comfort, security, and choice.

The Challenge

Retirement Looks Different Than It Used To

Many Canadian homeowners 55+ find themselves equity-rich but cash-poor. The solution is already in your home — you just need the right strategy to access it.

Canadian Homeowners Are Sitting On Record Equity

$1.4T

Home equity held by Canadians 55+

73%

Retirees who prefer to age in place

3x

Growth in equity release adoption since 2018

Less Monthly Stress

A strategy designed to help turn home equity into comfort, security, and choice.

Why Equity Release

Six Ways It Changes
Your Retirement

Equity release is not a last resort — it’s a strategic tool used by thousands of Canadians to live the retirement they planned for: staying in the home they love, enjoying more day-to-day breathing room, and reducing financial pressure.

Family First

Freedom to focus on the people
and moments that matter.

#1

Stay In Your Home

Access the equity you’ve built without having to sell or downsize. Your home remains yours.

#2

Improve Cash Flow

Supplement your monthly income with tax-free funds to cover everyday expenses comfortably.

#3

Consolidate Debt

Eliminate high-interest debt and reduce monthly financial obligations in a single step.

#4

Fund Home & Care

Pay for renovations, accessibility upgrades, or professional home care services as needed.

#5

Support Your Family

Help adult children with down payments or education costs while remaining in your home.

#6

No Monthly Payments

Select products allow you to defer repayment interest accumulates, nothing is due monthly.

Why Equity Release

Six Ways It Changes
Your Retirement

Equity release is not a last resort — it’s a strategic tool used by thousands of Canadians to live the retirement they planned for: staying in the home they love, enjoying more day-to-day breathing room, and reducing financial pressure.

Family First

Freedom to focus on the people
and moments that matter.

#1

Stay In Your Home

Access the equity you’ve built without having to sell or downsize. Your home remains yours.

#2

Improve Cash Flow

Supplement your monthly income with tax-free funds to cover everyday expenses comfortably.

#3

Consolidate Debt

Eliminate high-interest debt and reduce monthly financial obligations in a single step.

#4

Fund Home & Care

Pay for renovations, accessibility upgrades, or professional home care services as needed.

#5

Support Your Family

Help adult children with down payments or education costs while remaining in your home.

#6

No Monthly Payments

Select products allow you to defer repayment interest accumulates, nothing is due monthly.

Your Options

Three Paths. One Expert

Review To Find Yours.

Not every product is right for every situation. I will compare all available options and recommend what genuinely fits your goals, property, and timeline.

Your Options

Three Paths. One Expert

Review To Find Yours.

Not every product is right for every situation. I will compare all available options and recommend what genuinely fits your goals, property, and timeline.

Why Work With Me

Licensed. Experienced.

On Your Side.

Why Work With Me

Licensed.
Experienced.
On Your Side.

Common Questions

I Have Heard These Before.

Will I still own my home?2026-05-11T15:54:50-07:00

Yes — 100%. You retain full ownership and the title remains in your name. The lender registers a mortgage on your property, but you stay in your home for as long as you choose. The loan is only repaid when you sell, move out, or pass away.

What happens to my estate?2026-05-11T15:55:19-07:00

Your estate receives whatever remains after the loan is repaid. With CHIP, there is a “no negative equity guarantee,” meaning you’ll never owe more than the fair market value of your home at the time of sale.

Do I have to make monthly payments?2026-05-11T15:55:36-07:00

With the CHIP reverse mortgage, no monthly payments are required — interest is added to the loan balance over time. Some other products have different repayment structures, which is exactly why a personalized review with me matters.

Is the money I receive taxable?2026-05-11T15:55:52-07:00

No. Because you are accessing equity you already own (not earning income), the funds are not considered taxable income by the CRA. This also means they do not affect your OAS or GIS benefits.

What is the minimum age and property value?2026-05-11T15:56:10-07:00

Most products require homeowners to be 55 or older, and the primary residence is used as the security. Minimum property values and geographic requirements vary by lender — your review with I will confirm what you qualify for.

Common Questions

I Have Heard These Before.

Will I still own my home?2026-05-11T15:54:50-07:00

Yes — 100%. You retain full ownership and the title remains in your name. The lender registers a mortgage on your property, but you stay in your home for as long as you choose. The loan is only repaid when you sell, move out, or pass away.

What happens to my estate?2026-05-11T15:55:19-07:00

Your estate receives whatever remains after the loan is repaid. With CHIP, there is a “no negative equity guarantee,” meaning you’ll never owe more than the fair market value of your home at the time of sale.

Do I have to make monthly payments?2026-05-11T15:55:36-07:00

With the CHIP reverse mortgage, no monthly payments are required — interest is added to the loan balance over time. Some other products have different repayment structures, which is exactly why a personalized review with me matters.

Is the money I receive taxable?2026-05-11T15:55:52-07:00

No. Because you are accessing equity you already own (not earning income), the funds are not considered taxable income by the CRA. This also means they do not affect your OAS or GIS benefits.

What is the minimum age and property value?2026-05-11T15:56:10-07:00

Most products require homeowners to be 55 or older, and the primary residence is used as the security. Minimum property values and geographic requirements vary by lender — your review with I will confirm what you qualify for.

Get Started

Request Your
Confidential Review

I will personally review your situation and present the options available to you — no pressure, no obligation, just honest advice.

  • Your Content Goes Here
  • Free, no-obligation review
  • Completed within 1–2 business days
  • All three lender options compared
  • Your information is never shared
  • Licensed professional, not a salesperson

Live The Retirement You Planned

A thoughtful review can help you understand how your home equity may support comfort, travel, family, and care.

Start Your Free Review

Takes less than 2 minutes to complete

Please enter the city that your property located

Get Started

Request Your
Confidential Review

I will personally review your situation and present the options available to you — no pressure, no obligation, just honest advice.

  • Your Content Goes Here
  • Free, no-obligation review
  • Completed within 1–2 business days
  • All three lender options compared
  • Your information is never shared
  • Licensed professional, not a salesperson

Live The Retirement You Planned

A thoughtful review can help you understand how your home equity may support comfort, travel, family, and care.

Start Your Free Review

Takes less than 2 minutes to complete

Please enter the city that your property located

Get Started

Request Your
Confidential Review

I will personally review your situation and present the options available to you — no pressure, no obligation, just honest advice.

  • Free, no-obligation review
  • Completed within 1–2 business days
  • All three lender options compared
  • Your information is never shared
  • Licensed professional, not a salesperson

Live The Retirement You Planned

A thoughtful review can help you understand how your home equity may support comfort, travel, family, and care.

Start Your Free Review

Takes less than 2 minutes to complete

Please enter the city that your property located

Hi, I’m Jeff Fraser.

Your Vancouver Mortgage Broker

Vancouver Mortgage Solutions
Jeff Fraser Mortgage

Trusted by 50+ Lenders

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