A reverse mortgage, a home equity line of credit, or a private equity loan. I’ll compare all three for your situation and tell you plainly which one fits — or if none of them do.
Ziyad Iqbal, Mortgage Broker12+ years specializing in reverse mortgages · Mortgage Architects
Takes about 60 seconds. Ziyad will personally call you back.
Most banks only show you their own product. As a broker, I compare them side by side.
Not sure which applies to you? That’s exactly what the free review is for. You’ll get your options in writing, with the costs explained, before you decide anything.
You’ve built this equity over decades. It can work for you now.
Pay off credit cards, lines of credit or an existing mortgage and free up your monthly budget.
Fund renovations, accessibility changes or in-home care so you can age in place.
Add breathing room without selling investments at the wrong time.
Help children or grandchildren with a down payment or education while you can see it make a difference.
Cover unexpected medical, dental or care expenses without stress.
Travel, visit family or simply live more comfortably in the years you’ve worked for.
Simple, respectful and at your pace.
Fill in the short form or call/text. No documents needed to start.
A friendly call with me — your spouse or children are welcome to join. No credit check for this conversation.
You receive a clear comparison with the costs explained. Take your time; there’s no obligation.
For more than 12 years I’ve focused on one thing: helping Canadians 55+ use their home equity wisely. I’ve sat at a lot of kitchen tables, and I know these decisions involve the whole family.
My job isn’t to sell you a product. It’s to lay out every realistic option, explain the costs honestly, and help you choose what’s right — even if that means doing nothing at all.
President’s Gold Club, 2025
Top 7% of brokers in the Mortgage Architects network
Yes. With all three options you remain the owner and stay on title. The lender registers a mortgage against the property, just as a regular mortgage does.
Borrowing against your home does reduce the equity left in your estate, and I’ll show you by how much under different scenarios. Many families prefer to see that money help now. We can include your children in the conversation so everyone understands the plan.
Not for every option. A CHIP reverse mortgage is based mainly on your age, your home’s value and its location. A home equity line of credit does require you to qualify on income and credit.
No. Our first conversation and your options review don’t involve a credit check. If you later decide to apply, I’ll tell you beforehand what the lender will need.
The review is free and there’s no obligation. If you go ahead, every cost — interest, appraisal, legal and any fees — is explained to you in writing before you sign anything.
I’m based in Burnaby and help homeowners throughout British Columbia, Alberta and Ontario, by phone, video call or in person.
A few minutes on the phone could change how the next few years feel. Ask me anything; there are no silly questions.
Prefer to talk now?
📞 604-619-3271Call or text · Mon–Fri, 9 AM – 5 PM
Ziyad will personally call you back.
