Have a great experience working with Adam Fotias. As I am currently managing a cancer diagnosis he was so helpful and patient. I came away very happy with his work and can feel at ease knowing my fina... Ver mais
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Veja o que dizem as avaliações
Niel Palit was my guide through the entire process, which was fairly long and complicated (no fault of his ). He kept me on track and remained calm even when I got frustrated. My advice is to have... Ver mais
From start to finish Aaron was there to help and advice making the process a pleasant and rewarding experience. Agnes was there as well helping us find a lawyer also giving good advice. So thank you... Ver mais
From our first interaction with Adam Hawryluk (who answered all our questions and anticipated those we had not thought to ask) we were reassured and impressed. Equally noteworthy was the pace with w... Ver mais
Detalhes da empresa
Escrito pela empresa
HomeEquity Bank (HEB) is Canada’s original and leading national provider of reverse mortgages, with over 40 years of service. HEB is the only federally regulated bank specialized for Canadians 55 and better. With its flagship product, the CHIP Reverse Mortgage, HomeEquity Bank empowers Canadians 55+ to use what they’ve built to live well, help their family, or plan their legacy by providing a secure way to access equity from their most strategic investment – their home.
CHIP Reverse Mortgage: There's No Retirement Like Home
Escrito pela empresa
- The CHIP Reverse Mortgage by HomeEquity Bank provides Canadian homeowners 55+ with a safe, simple solution to retire in the home they love. Access up to 55% of your home equity without ever needing to move or sell. Whether planned or unexpected costs arise, the CHIP Program provides peace of mind by allowing you to live retirement on your terms without having to worry about monthly mortgage payments.
Informações de contato
Royal Bank Plaza, South Tower, 200 Bay Street, Suit 3500, M5J 2J1, Toronto, Canadá
- 1-866-758-2447
- info@chip.ca
- chip.ca
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Have a great experience working with…
Have a great experience working with Adam Fotias. As I am currently managing a cancer diagnosis he was so helpful and patient. I came away very happy with his work and can feel at ease knowing my finances are handled and I can move forward loving and living my life. 5 Stars!
Be prepared
Niel Palit was my guide through the entire process, which was fairly long and complicated (no fault of his ). He kept me on track and remained calm even when I got frustrated.
My advice is to have documentation for every single thing related to your finances before you begin. They will want it.
An easy process
From start to finish Aaron was there to help and advice making the process a pleasant and rewarding experience. Agnes was there as well helping us find a lawyer also giving good advice. So thank you Aaron and Agnes you helped make life easier.
Dennis and Emma
Positive Experience
It was a pleasure working with Mike Wells from your CHIP team. Mike was very helpful in assisting me with understanding a reverse mortgage to relieve the unfounded comments that I had heard about these mortgages - he was patient, calming and very professional. Once I was told what documents they would require for the approval process, I immediately copied and scanned those documents - from that time forward the process went quickly and smoothly. Thank you Mike and team for assisting me with this next chapter in my life.
Consistently Trustworthy and competent From our first interaction with Adam…
From our first interaction with Adam Hawryluk (who answered all our questions and anticipated those we had not thought to ask) we were reassured and impressed. Equally noteworthy was the pace with which the appraisal and paperwork were completed and the first sum of money appeared in our account. The process was consistently competent and thorough
Highly recommend
This experience unfolded for me exactly as I expected. I found the HEB representative (Angela Lattuca) to be knowledgeable and able to provide information and answers in a timely manner. She was very professional and it was a pleasure to deal with her.
I’m writing this positive review from…my recent experience with Sandeep Lotay!
I’m writing this positive review from the amazing service, and informative & timely assistance I received from Sandeep Lotay, who provided me with excellent customer service while I was going through obtaining a CHIP Reverse Mortgage.
She kept me informed every step of the way and made the process of obtaining the loan much easier than I thought possible .
Her proactive comments to help me prepare all the documents I would need to provide to CHIP and my lawyer so I was ready for whatever came up and that made things go so much smoother than I thought possible, given what I had heard from others about their experience with reverse mortgages.
Thanks Sandeep -your 5 star service made things so much easier for me to prepare everything I would need along the way through the entire process from start to finish!
So it started off in March and through no fault of her involvement, rather several sick lawyers at the law firm I was using that delayed things along the way. It all came to a very satisfying and completed process on April 16th!
Thanks Sandeep
Dave G
Pode usar a ajuda de IA para as respostasVer mais
Cancelled my application
Cancelled my application due to an "incomplete" appraisal. Refused to provide the appraisal report and refused to refund the appraisal fee

Resposta de CHIP Reverse Mortgage
Absolutely Amazing Experience with Agnes!
I cannot say enough good things about Agnes! From start to finish, she was absolutely amazing to work with. She made the entire reverse mortgage process feel simple, stress-free, and actually enjoyable—which I didn’t think was possible.
Agnes is incredibly knowledgeable, patient, and genuinely cares about her clients. She took the time to explain everything clearly and made sure I felt confident every step of the way.
And the best part? My funds came through so quickly—faster than I expected!
If you’re even considering a reverse mortgage, do yourself a favor and talk to Agnes. She is truly exceptional at what she does. Highly, highly recommend!
Very pleased with the performance of…Van Pornaras
Very pleased with the performance of Van. He was very professional and friendly in all my involvement with him. very thourough and detailed explaniations. he made my journey very pleasant and was very understanding. Thank you so much Van.
My agent Gaurav Mehra was very patient…
My agent Gaurav Mehra was very patient with me because I was very nervous of going through this.
He answered my questions and explained everything.
The process goes very smoothly.
Excellent service!
I had an excellent experience with CHIP! Kyle did an exceptional job throughout the process and was very patient with my many questions.He has the amazing knack of helping me feel positive,excited and secure in this product.Rarely have I had such a positive experience working with someone concerning such an important decision. I would recommend Kyle 100% for anyone interested in CHIP.
Niel was a great help
Niel was a great help. He even got an extension from the city on my behalf. Excellent service!
Mike Wells was amazing
Mike Wells was amazing. We needed funds to help Joey, our little puppy. Mike was compassionate and understanding and therefore, was able to deal with my consistent barrage of emails.
The process was easy and Mike explained everything to us. The only downside was the length of time to receive the funds which took almost 4 months. ( The long wait was caused by the Alberta Government being so far behind with land titles as the home was purchased the same week we applied for CHIP)
If you are interested In getting an equity loan then ask for Mike! He was honest with us and gave sound advice which worked in our favour and truly believe he wants what is best for the client. I can’t believe he managed to stay professional and willing to help us as I was surely annoying asking the same questions multiple times over the 4 months and the panic driven emails full of reasons why the wait time was affecting our dog and many other personal issues that were probably not necessary to share! He took it in stride, as he couldn’t change how far behind the government was, but always stayed in constant contact with regular check-ins.
Very impressed Mike ;)
Working with Agnes Letkeman was…
Working with Agnes Letkeman was wonderful.She was well versed about the bank,reversed mortgages and was available when I needed to ask questions.I was impressed with how quickly the process went through.Now I can enjoy my home and take some things off my bucket list!!!
5 STAR PERFORMANCE
Made the process more manageable and stress free. His level of support enabled us to make smart informed and clear choices. He was diligent in providing excellent service with follow ups in a professional manner. It was a great pleasure working with Christian Bozza. Definite five-star performance.
Very disappointed about your company…
Very disappointed about your company about the shortfall withdrawal of $10,000.00 in change . They withdrew twice and it seems that nobody cares about my calls and email after you guys got the business. Its has been 10 days and until now the money is not deposited yet. That amount is supposed to go on my investment but unfortunately I have to hold off because your error. Pls. Have someone call me ASAP, otherwise I’ll will make a complaint. Thanks in advance

Resposta de CHIP Reverse Mortgage
They made the process quick and easy.
Rachele was my contact and she was…
Rachele was my contact and she was incredibly helpful and patient and almost instantly available when I had questions . She took the time to explain each step and what to expect . When Rachele was not available Neil stepped in and cleared up a bit of confusion at the last minute . I would completely recommend Rachele and her team to anyone considering a reverse mortgage with Home Equity Bank. Jane
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