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Over 55? Cashflow tight? Want to help your children buy their first home while you're still around? The 11 Questions to Ask Before You Sign a Reverse Mortgage

Get the free 2026 BC guide. Instant PDF from a licensed BC mortgage broker. Plain English. No obligation. For homeowners 55+ and families helping them.

Matt Blake, Mortgage Broker (MB600487) | BRX Mortgage Inc. (X301291) | For homeowners 55+. No regular monthly mortgage payments required as long as you live in the home and meet property tax, insurance, and maintenance obligations. Interest accrues and reduces home equity.

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Provided by BRX Mortgage Inc.

Prefer a 60-second eligibility quiz? Take the BC Reverse Mortgage Quiz →
  • Who a reverse mortgage fits in BC, and who it does not.
  • What it costs, how interest builds, and what happens to your equity.
  • How it compares to a HELOC, selling, or downsizing.
Google reviews

What clients say about working with Matt

5.0 stars, Google Business Review

5.0 out of 5 on Google

★★★★★ Google review
I cannot put into words how much we appreciate working with Matt. We were told my multiple mortgage brokers we weren’t able to get the house we wanted and Matt made it happen. I am also horrible at uploading paper work and he was patient and made it dummy proof and seamless. Buying houses are so stressful but Matt made it happen and we could not be more grateful, I would highly recommend!
Tamara Patterson
★★★★★ Google review
Exceptional service -Highly recommend Matt as he went up and beyond to help us with our purchase. Could not of done it without his expertise and knowledge.
Debbie Patterson
★★★★★ Google review
Working with Matt on we provided him, I believe was the most complicated mortgage we have ever done, multiple brokers told us it was not possible for a multitude of reasons. Matt conducted extensive diligence and through his experience and professional connections he methodically worked through a very extensive list required.
Gary Spencer-Smith

Reviews are from Matt Blake Mortgages home buying clients on Google, not reverse mortgage clients. Every client's situation is different.

Inside the guide

11 chapters. No jargon. No sales pitch.

1

Is a reverse mortgage a fit for you?

Who it often suits, and who should probably skip it.

2

How it works, in five steps

From the first call to living in your home with the loan in place.

3

How much could you actually get?

Never the full value of your home. One example, illustrative only, not a quote.

4

No required payments, but not no cost

How interest builds, even when you pay nothing back.

5

Three ways to take the money

All at once, as you need it, or a set amount each month.

6

Your side of the deal

The five things that keep the loan in good standing.

7

The home and your kids' inheritance

What happens when the loan comes due, and what your family would need to do.

8

The kitchen table conversation

A page to print and work through together as a family.

9

Reverse mortgage or something else?

Compared side by side with a HELOC, selling, and downsizing.

10

Red flags, and 11 questions to ask anyone

Use them on every broker and lender, including me.

11

Quick answers

Plain-English answers and a short glossary.

Send me the free guide

100% free · Instant PDF · No obligation

You own the house. So why does cash feel so tight?

For a lot of BC homeowners 55+, the home is worth far more than they ever planned for. Meanwhile the bank account feels smaller every year. Repairs. Property tax. Helping the kids. A fixed income that does not stretch like it used to.

Then you see the ads. Big numbers. Smiling couples. "Cash from your home." Nobody explains what it costs, what happens to your equity, or who it is wrong for.

So you either ignore it, or you sit across from a salesperson and hope for the best. Neither one is a plan.

Read this first. Then decide.

The Free BC Reverse Mortgage Guide explains how it works, what it costs, and what your family may be left with, in plain English. It takes about 15 minutes to read. And I am a broker, not a lender, so I can put other options next to it, like a HELOC, selling, or downsizing.

Without the guide

  • Ads with big numbers and small print
  • One lender's version of the story
  • A sales call before you understand the product

With the guide

  • Plain-English costs and tradeoffs
  • Your options compared side by side
  • Questions to ask before you sign anything
Send me the free guide
How it works

Three steps. Two are optional.

1

Download the guide

Answer a few quick questions. The PDF is yours right away.

2

Read it in 15 minutes

Plain English. No quiz at the end. Take notes in the margins.

3

Optional next step

Get a free BC Home Equity Report, or book a free 20-minute discovery call. Or do neither.

Send me the free guide

100% free · Instant PDF · No obligation

Meet your broker

I am a broker, not a lender.

Matt Blake, Mortgage Broker

I'm Matt Blake, a licensed BC mortgage broker (licence MB600487) with BRX Mortgage Inc. (brokerage licence X301291). I help BC homeowners 55+ and their families understand reverse mortgages in plain English. Because I am a broker, I can compare the options we are appointed to offer, and I will put alternatives like a HELOC or downsizing on the table too. If a reverse mortgage is the wrong move for you, I will say so.

Matt Blake Mortgages Questions? Email me at matt@mattblakemortgages.com
Straight answers

Questions people ask first

Do I still own my home?

Yes. You keep title. It is a loan secured against your home, not a sale. You stay responsible for property taxes, insurance, and upkeep.

Do I have to make monthly payments?

On most reverse mortgage products, regular monthly principal and interest payments are not required. You can often choose to pay interest. Exact terms depend on the lender and product.

Will my kids lose the house?

Not automatically. When the loan comes due, your family can repay the balance and keep the home. If they cannot, the home may need to be sold and any remaining equity kept.

What does the guide cost?

The guide is free. A funded mortgage may involve lender fees, an appraisal, and independent legal advice where required. The guide explains typical costs in plain English.

Do I pay the broker?

You do not pay BRX a fee for the guide or the review call. BRX Mortgage Inc. is paid by the lender if a loan funds, and the amount is disclosed to you in writing before you decide.

Is this only for people with no mortgage?

No. Many homeowners with an existing mortgage use a reverse mortgage to pay it out and access the remaining equity as a lump sum, an income stream, or both, subject to approval. You would receive the net proceeds after your current mortgage is paid out.

Are reverse mortgage rates higher?

Typically, yes. Reverse mortgage rates are usually higher than conventional mortgage rates, and interest builds on your balance over time. The guide shows how that affects your remaining equity. Any figures we show are illustrative only, not a quote.

How is the money taxed?

Money borrowed against your home is generally a loan rather than income, but tax rules depend on your situation. Please ask your tax advisor.

Get the 11 Questions to Ask Before You Sign a Reverse Mortgage

The free 2026 BC Reverse Mortgage Guide. 15 minutes of reading. Plain English. Then you decide.

Send me the free guide

100% free · Instant PDF · No obligation

Questions first? Email matt@mattblakemortgages.com.