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Call Your CHIP Experts at Genesis Associates Ltd.

1-866-410-4740

Get Your Free CHIP Consultation:
Gain Tax-Free Cash with No Mortgage Payments – Ever

Our Service to you is 100% Free, with No Hidden Fees and No Obligation

FSRA Licensed Broker – Trusted by Ontario Homeowners since 1985

Talk to a CHIP Mortgage Expert Toll Free: 866-410-4740

Why Talk to a CHIP Reverse Mortgage Expert?

100% Free Guidance: Our service to you is completely free, there are NO hidden fees, and absolutely NO pressure.

Stay in the Home You Love – Aging in Place:  Access your home equity without ever having to make another monthly mortgage payment. You maintain ownership and control.

FSRA Licensed Protection: Governed by the Financial Services Regulatory Authority of Ontario (FSRA License #10295).

Local Ontario Expertise: Helping Local Residents make the right decisions since 1985.

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Saving you time and effort since 1985.

Our Service to You is Absolutely Free.

NO hidden fees and NO bad questions.

Access Your Home Equity Income Tax-Free.

We are dedicated CHIP Reverse Mortgage brokers!

Call Genesis Reverse Mortgages for help to find the best CHIP Reverse Mortgage product and rate available to meet your financial needs

Our brokerage service is absolutely FREE to assist you in making the right decision, there are NO hidden fees.

Call Us Toll Free (866) 410-4740 to discuss CHIP Reverse Mortgages.

CHIP Reverse Mortgages have NO monthly mortgage payments and you don’t have to sell or move.

Stay in the Home You Love with a CHIP Reverse Mortgage.

Genesis Reverse Mortgages, Brokers serving clients since 1985.

Benefits to a CHIP Reverse Mortgage

Call NOW to discuss the Tax Free Benefits of a CHIP Reverse Mortgage. Lender discounts available through our brokerage. We are bound to the Privacy and Confidentiality of all our clients. Remember, there are NO bad questions.

  • Experienced
  • Accountable
  • Supportive
  • Integrity since 1985
  • Guaranteed Savings
  • Private and Confidential

✓ A CHIP Reverse Mortgage will not affect your OAS or CPP.
✓ Use the Tax-Free money as a lump sum or by instalments.
✓ Pay off debts and No monthly mortgage payments.
✓ Tax-Free money for Retirement.
✓ Update your home without depleting your current savings.
✓ No regular monthly mortgage payments for homeowners.
✓ Maintain ownership and control of your home.
✓ You never have to sell or move.
✓ Keep all the remaining equity in your home after it is sold.

COMPARE FIRST before you choose

With a CHIP Reverse Mortgage you access the equity in your home tax-free.
Maintain ownership of your home with no monthly payments to worry about.
The tax-free money you receive can be used in different ways including……

  1. Eliminate debt repayments.
  2. Increase your monthly cash flow.
  3. Help a child or grandchild.
  4. Early inheritance.
  5. Cover unexpected health care costs.
  6. Home repairs and renovations.
  7. Take your dream vacation and much much more.

Let us help you compare rates and mortgage products first and then YOU can decide. All without having to move or sell your home.

Defining a CHIP Reverse Mortgage

A CHIP Reverse Mortgage is a mortgage loan, usually secured by a residential property, that enables the borrower to access the unencumbered value of the property.

The loans typically do not require monthly mortgage payments. Borrowers are still responsible for property taxes, property maintenance and homeowner’s insurance.

CHIP Reverse Mortgages allow “older” people (55+) registered on title to immediately access the home equity they have built up in their homes, and defer payment of the loan until they die, sell, or move out of the home.

To be eligible, the home you’re using to secure a CHIP Reverse Mortgage must be your primary residence. This typically means you live in the home for at least 6 months a year.

You may usually borrow up to 55% of the current value of your home. This money doesn’t affect the Old Age Security (OAS) or Guaranteed Income Supplement (GIS) benefits you may be getting.

Eligibility to a CHIP Reverse Mortgage:

  1. Your age and the age of your partner both 55+.
  2. Canadian homeowner living in Ontario.
  3. As your primary residence of 6 months plus 1 day.
  4. Your home’s age along with the condition.
  5. Your home’s construction type and location.

What They’ve Said About Us

We take pride in helping homeowners achieve financial stability and peace of mind.

“We needed funds for medical expenses and didn’t want to sell our home. Genesis Reverse Mortgages provided the perfect solution. The process was straightforward, and we felt supported every step of the way. Now, we can stay in our home and have the money we need. It’s a huge relief.”

David & Susan L.

Hamilton, ON

“Genesis Reverse Mortgages exceeded our expectations. The consultation was free, and there was no pressure at all. We received a tailored plan that suited our financial situation perfectly. We’re so grateful for the extra cash flow, and we can now enjoy our retirement without financial stress.”

Alice P.

London, ON

“We were initially hesitant about getting a reverse mortgage, but the team at Genesis Reverse Mortgages made the process so easy and stress-free. They explained everything in detail and answered all our questions. Now, we have the financial freedom to enjoy our retirement without worrying about money. Thank you!”

James & Linda M.

Toronto, ON

“The decision to go with a reverse mortgage has been life-changing. I was able to pay off my existing mortgage and still have extra money for home improvements and travel. The staff was professional, knowledgeable, and truly cared about my needs. I highly recommend Genesis Reverse Mortgages.”

Margaret T.

Ottawa, ON

“We would like to thank you very much for all you did for us. After jumping through all the hoops and waiting for the money it was all worth it. Thank you again Rob. You excel in the job you do, and we highly recommend you to anyone including our friends.”

D and S