Reverse mortgages. Finally explained properly.
What they cost, who they suit, and how they compare to a HELOC, refinance, or downsizing — in plain English, live, with time for your questions.
Broker of the Year — Reverse Mortgages · Canadian Mortgage Awards 2025No cost. No obligation. The recording is sent to every registrant.
Works on any computer, tablet, or phone — one click, no downloads.
Real answers from licensed professionals — no pressure, no obligation.
Every registrant receives the full recording by email afterward.
A short welcome from Ramin and Kyle will live here — a two-minute introduction to what the session covers.
You've spent decades building equity in your home. Now what?
Most Canadian homeowners in their 60s and 70s end up quietly stuck between two options that both feel wrong: sit on hundreds of thousands of dollars in equity and never actually use it — or sell the home you raised your family in, downsize, and lose the place you love.
A reverse mortgage is one path through that. So is a HELOC. So is refinancing. So is downsizing on your own terms. None of them is the right answer for everyone — and that's exactly the problem with how they usually get pitched.
This webinar walks you through the trade-offs honestly, so the choice you eventually make is your choice — made with the real numbers in front of you.
Equity keeps growing on paper but never funds retirement, home repairs, or helping the kids.
Frees up cash — but means moving out of the home and neighborhood you've built your life around.
HELOC, refinance, or reverse mortgage — each with real costs, real benefits, and very different rules.
Six things every 55+ homeowner should know before deciding.
We also cover when a reverse mortgage is the wrong tool — not just the right one. That's the honest conversation this session is built around.
- 1The four biggest myths vs. reality — including the no-negative-equity guarantee (you can never owe more than the home is worth at sale).
- 2Eligibility vs. suitability — qualifying based on age, home value, and location doesn't mean it's the right tool for your situation.
- 3How it fits a retirement / decumulation plan — and why proceeds are tax-free and don't affect OAS or GIS.
- 4The real cost of compounding, shown honestly: a 5-, 10-, and 15-year illustration of what the balance looks like over time.
- 5How it compares side-by-side to a HELOC, refinance, or downsizing — the trade-offs each carries and when each one wins.
- 6The full process end-to-end, including the required Independent Legal Advice (ILA) before anything is signed.
Built for homeowners weighing their options — not looking to be sold.
Canadian homeowners — typically age 55 or older — in British Columbia, Alberta, Ontario, or Saskatchewan, who want to understand every real way to tap home equity before making a decision. If you're comparing a reverse mortgage against a HELOC, refinancing, downsizing, or simply staying put, this session gives you the full picture so the choice is yours to make.
The brokers behind the session.
Ramin Hallaji
Founder, Mortgage Guru Financial Inc.
Ramin is a licensed Canadian mortgage broker serving clients across British Columbia and Alberta. He has funded more than $150 million across 200+ mortgages, and in 2025 was named to the DLC Master Club — the top 5% of over 4,000 brokers in the Dominion Lending Centres network nationally.
His earlier recognition includes DLC Diamond Award 2022 & 2023, Platinum Award 2021–2024, Canadian Mortgage Professional's Rising Star of Canada 2022, and Key Media's Global Best in Mortgage 2022 — Team Canada Rising Stars.
He's licensed in BC directly and in Alberta under DLC AIMI Collective Mortgage Group — a co-brokerage arrangement, which means he stays fully involved in Alberta files from first call to funding. His practice covers reverse mortgages, complex self-employed and corporate income, private and second mortgages, and physician/dentist programs. He also serves the Iranian-Canadian community in Farsi on request.
Kyle Benzies
Co-host · Award-Winning Licensed Mortgage Broker
Kyle is a licensed Canadian mortgage broker with DLC AIMI Collective Mortgage Group — the same brokerage network Ramin works within — and one of the country's most recognized reverse-mortgage brokers. At the 2025 Canadian Mortgage Awards, he received the Equitable Bank Award for Broker of the Year — Reverse Mortgages, after being named a Canadian Mortgage Awards Excellence Awardee in 2024.
A long-time friend and close colleague of Ramin's, Kyle has built his practice around helping homeowners 55+ understand their equity options clearly and without pressure. He co-hosts this session to walk through the product side in plain language and take your questions live.
Nima Shojaian
Special Guest · Senior Marketing Director, World Financial Group
Nima is a Senior Marketing Director with World Financial Group in British Columbia, where he leads LTD — Living The Dream — a team of more than 180 licensed agents. His background spans insurance and investment-fund representation, helping Canadian families build complete financial pictures.
He joins this session as guest expert for the money-strategy segment: how a home-equity decision fits alongside savings, insurance, and retirement income — so you see the whole picture, not just the mortgage.
Reserve your seat.
Registration is free, and this session is for property owners — that's why we ask for the address of the home you own.
- You'll get a confirmation email right away, so you know your seat is saved.
- Once the date is set, we email your personal join link — plus a reminder the day before and the morning of the session.
- Attend live and ask your questions, or watch the full recording we send to every registrant afterward.
Frequently asked questions.
Is this webinar really free?
Yes — completely free. There's no cost to register or attend, and no credit card is required.
Will there be a recording if I can't attend live?
Yes. Everyone who registers receives the full recording by email after the session, so you can watch when it suits you.
Is this a sales pitch in disguise?
No. The session is educational and presents reverse mortgages as one option among several — alongside HELOC, refinance, and downsizing. If you'd like to explore your own numbers afterward, you're welcome to book a call. No pressure, no obligation.
How long does it run?
Plan for about 45 minutes of content plus live Q&A at the end. Stay for the questions or drop off — up to you.