Why Choose Us

Why Choose Us:

(Or How to Know You're Making the Right Choice)

You've made it to the final chapter of our story! If you've read through the rest of these pages, you probably already know more about us than most folks know about their own mortgage broker. You know about our 45-year history, our laid-back approach to brokering, and even what the process looks like working with us. Heck, you might even be wondering why we're so open about everything.

If you're thinking about a reverse mortgage, you deserve to know exactly who you're dealing with. No carefully crafted image, no fancy mission statements written by consultants, just a couple of small business owners making promises we intend to keep. When I sat down to write this (surprisingly long) About Us section, I had one goal: show you exactly who we are, how we work, and why we do things the way we do. Because at the end of the day, you're not just choosing a mortgage broker - you're choosing people you need to trust with one of the biggest financial decisions of your life.

Why Use a Broker? (Spoiler: It Won't Cost You a Dime)

Now that you know who we are, let's tackle the question you might be asking yourself: why use a broker when you could go directly to the banks?

Here's something most people don't realize: it won't cost you an extra penny to work with us. The lenders pay our commission, not you - and here's the best part - they often offer even better rates through their broker channels because they know we're shopping around for the best deal.

Think about it - when you go directly to a bank, they can only show you their products. It's like going to a Ford Dealership and asking them to tell you about Toyota's latest model. But Canada now has three reverse mortgage lenders, each with their own sweet spots. Some love properties in smaller towns, others focus on big cities. Some offer better terms if you might move in a few years, others have more flexible ways to access your money.

Our job? Knowing which one will work best for your specific situation. And since we work with all three, we can negotiate better rates and terms on your behalf. The banks know this, which is why they tend to sharpen their pencils a bit more when dealing with brokers.

What Sets Us Apart

If you've spent some time exploring our site, you might've noticed we're a bit different from your typical mortgage company. Maybe it was the Jimmy Buffett references, our small-town approach to doing business, or the fact that we'll tell you straight up if a reverse mortgage isn't right for you. We didn't set out to be different - we just built the kind of company we'd want to work with ourselves.

Here's what really makes us different:

Retirement Mortgages Are Our Focus

While other brokers dabble in reverse mortgages, we've made the deliberate choice to build RetiredMortgages with a singular focus on retirement lending. We've bet big on reverse mortgages because when used right, they can transform retirement for so many Canadians. When you work with us, you're getting people who live and breathe retirement lending - not generalists who do reverse mortgages on the side.

Built on 45 Years of Trust

Our parent company has been helping Canadians with their mortgages since 1979, and that's not something we take lightly. When you've spent 45 years building a reputation for doing right by people, you learn a thing or two about what really matters - like focusing on what you do best and only offering products you truly believe in.

Real People, Real Office

When you call us, you get a real Canadian on the other end – usually someone in flip-flops, but always ready to help. We've deliberately kept everyone under one roof in our Salmon Arm office (the famous fishbowl). No overseas call centers, no remote workers scattered across the country - just a close-knit team that works together. Which means when you need something done, we can literally walk across the room to make it happen.

Our Four-Way Test

Everything we do has to pass the same four questions: Is it the truth? Is it fair? Will it build goodwill and better friendships? Will it benefit everyone involved? (And our bonus question: Will it be fun?)

Our Promise

Like that 274-year-old Irish shop taught us, sometimes the simplest promises are the best ones: We will always do what's right, and that will be fair to all concerned. That's not just something carved above our door - it's what we've built our reputation on.

Ready to Take the Next Step?

If you've read this far, you're probably wondering what happens next. Well, that's up to you - we're here when you're ready, and not a minute before. You've got two easy options:

1. Give us a call: 1-888-XXX-XXXX. Let's chat for 15 minutes about what you're hoping to do. No pressure, no sales pitch - just a conversation to see if we might be able to help.
2. Click that blue "Calculate Your Tax-Free Amount" button: It takes about 3 minutes to fill out. We'll crunch the numbers and show you exactly how much equity you could access. Plus, we'll send you a detailed breakdown of your options from all three lenders.

Still doing research? No problem:

• Dig into our FAQ section where we answer pretty much every reverse mortgage question we've been asked (and we've been asked a lot in 45 years)
• Check out our Enjoyables to see how other Canadians are putting their equity to work

P.S. - Remember what we said about our process? No planes, trains, or automobiles needed here. Everything can be done entirely over phone, email, or text. But if you’re ever in Salmon Arm, come on by. The coffee’s hot, Tom’s tinkering, and as Jimmy Buffett sings, “Come along, let’s have some fun, the hard part’s over and the good part’s begun.”