Payment Flexibility
Choose to use your home’s equity now and repay nothing until you sell.
Tax-Free Payout
Unlock your home’s value and keep your income untouched.
Standard of Living
Stay comfortable and confident in retirement and enjoy the golden years.
Your EverWise Advisor
30 years of experience and the esteemed FCSI® designation—held by few in Canada.
Denis leads EverWise with a mission to help Canadians 55+ unlock the value of their homes and enjoy greater financial freedom. He specializes in reverse mortgages and tailored financial solutions that let clients stay in the home they love, live on their terms, and create the retirement they’ve envisioned.
What is a reverse mortgage?
A reverse mortgage lets Canadian homeowners 55+ unlock up to 59% of their home’s value as tax-free cash — without selling or moving. There are no monthly payments, and repayment only happens when you sell your home, move, or pass away.
You can use the funds however you choose — from covering expenses and paying off debt to enjoying retirement — and receive the money as a lump sum, in regular installments, or a combination of both.
Reverse Mortgage Eligibility in Canada
Your reverse mortgage loan amount depends on your age and the appraised value of your home. An independent appraisal is done to determine your home’s current market value. The best part? Low income or bad credit will not affect your eligibility — even if you still have a mortgage, you may still qualify.
Reverse Mortgage Benefits
With a reverse mortgage, you make no monthly mortgage payments as long as you live in your home. The money you receive is completely tax-free and will not impact your government benefits like CPP, OAS, or GIS. Plus, every reverse mortgage is designed so you never owe more than the value of your home.
Financial Flexibility for Canadians 55+
A reverse mortgage lets you turn your home equity into cash so you can boost monthly income, pay off debt, or fund travel, renovations, or family support — all without selling or leaving the home you love.
My reverse mortgage. My ticket to financial freedom.
Stop stressing and let EverWise show you all the solutions that a reverse mortgage brings to your life.
Pay Off Existing Debt
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Supplement Retirement Income
Live your life, your way. Avoid dipping into investments. Use your reverse mortgage to maintain your standard of living, even elevate it – you deserve it!
A Reverse Mortgage is Forward Thinking
Think of a reverse mortgage as a solution for the present and the future of you and your family.
– Use a reverse mortgage to pay off your existing mortgage.
– Use a reverse mortgage to install a stairlift in your home.
– Use a reverse mortgage to help your child with the down payment on their new home.
Reverse Mortgage Solutions
At EverWise, we answer your questions with care and dignity. Our goal is to set you up for success and find the right strategy that works for your needs.
Legacy & Estate Strategy
Home Improvements & Repairs
Helping Family Members
Travel & Leisure
Emergency Fund
Non-Taxable Income
Pay Property Taxes & Insurance
Pay For a Second Home
Why Choose Us
At EverWise, we don’t just serve Canadians 55+ — we are part of this generation. We understand your priorities, your concerns, and your desire to enjoy the years ahead with confidence. Here’s why homeowners across Canada trust us:
30+ Years of Experience
Led by Denis, one of Canada’s few professionals with the prestigious FCSI® designation, EverWise brings three decades of experience in specialty financial products designed for Canadians 55+.
Our Generation
We are the very generation we serve. We know what it’s like to think about retirement, independence, and family legacy — because we’re living it too. That means our advice is grounded in real-life experience, not just theory.
On The Same Page
From the moment we meet, we get on your page and create a strategy that makes sense and meets your expectations.
Our team
Led by Denis’ 30 years of experience, supported by a 30-year friendship with long-time colleague, Jean Sauvé, and tax specialization provided by Mr. Kos’ devoted daughter, Tanya.
Denis Kos, CIM, FMA, FCSI®
Financial Security Advisor
Jean Sauvé
Financial Security Advisor
Tanya Kos
Tax Specialist
Our work in numbers
A wide range of clients with a wide range of needs — all sharing one thing in common: the desire for a better life. Denis leads a company driven to deliver the security you deserve.
happy clients
+100
years of experience
+30
Gain that Freedom Feeling.
Start a new chapter in your life. Financial freedom is one call away!