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Reverse Mortgage Application

One application. 7 lenders.

7 lenders in our network offer reverse mortgages, serving Apply. Borrow $15,000 to $100 million at 4.04 to 16% APR, with funding as fast as 2 days. Every lender is subject to the 35% federal rate cap. Most lenders ask for $1,500 monthly income. Rates reviewed August 2026.

Apply Now One application routed to where you qualify.

Your lender options

Every Apply button starts the same single application. Your chosen lender is prioritized first.

Show only lenders I qualify for
Four questions about you, and it filters this list instantly.
Amount: AnyCredit: Any Province: Any Sort: Recommended
★★★★★ 4.6 (9)
Amount
$50,000 - $10,000,000
Rate
From 4.09% APR
Terms
6 - 60 months
Funding
7 days
Apply Now View profile
Best for Borrowers who want brokered access to multiple lenders and a short term option · Mortgage
★★★★★ 4.6 (9)
Amount
$15,000 - $10,000,000
Rate (APR)
6 - 16% APR
Terms
12 - 60 months
Funding
7 days
Apply Now View profile
Best for Ontario homeowners who need a small equity takeout that larger lenders will not write · Mortgage
★★★★★ 5.0 (50)
Amount
$20,000 - $100,000,000
Rate
From 4.99% APR
Terms
12 - 60 months
Funding
2 days
Apply Now View profile
Best for Ontario and BC homeowners taking a large equity position out of their property · Mortgage
★★★★★ 4.7 (9)
Amount
$20,000 - $10,000,000
Rate
From 4.99% APR
Terms
60 - 72 months
Funding
7 days
Apply Now View profile
Best for Ontario homeowners who want a five to six year term on a mortgage or equity takeout · Mortgage
★★★★★ 4.7 (9)
Amount
$50,000 - $100,000,000
Rate
From 4.09% APR
Terms
72 - 120 months
Funding
2 days
Apply Now View profile
Best for Ontario borrowers wanting a long amortization or a very large mortgage · Mortgage
★★★★★ 4.6 (9)
Amount
$50,000 - $10,000,000
Rate
From 4.99% APR
Terms
12 - 120 months
Funding
7 days
Apply Now View profile
Best for Borrowers who want one digital application shopped across multiple lenders, with home equity available too · Mortgage
★★★★★ 4.6 (9)
Amount
$50,000 - $10,000,000
Rate
From 4.04% APR
Terms
60 months
Funding
2 days
Apply Now View profile
Best for Borrowers who want the lowest published mortgage rate and a fully digital process · Mortgage

We've teamed up with Canada’s top lenders to make it easy for you to find the right financial product for your situation.

Reverse Mortgages are popular among Canadian homeowners over 55 because it allows them to unlock up to 55% of their home value and use the money as they please. This is a great way to upgrade a lifestyle during retirement years, help family members, travel and so much more.

Simply complete the form below and we will connect you with the best reverse mortgage provider in Canada for your situation.

NOTE: You must be over 55 years of age to qualify for a reverse mortgage. If you are NOT over 55 years of age, please visit the general home equity loans page to see all the available options.

 

Before you apply, make sure you qualify: 

  • You are a Canadian home owner
  • You are over 55 years of age
Form (ID 142) coming soon.

Get a Reverse Mortgage fast!

  • Complete Form in 30 Seconds
  • We Find You a Reverse Mortgage Provider
  • You Get Your Mortgage & Approval

Benefits of applying with smarter.loans

  • Find the perfect mortgage option for you
  • Fast approval for good and poor credit
  • Avoid scams & fraud
  • Access to mortgages for all Canadians nation-wide
One application. 7 lenders. Apply Now
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