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Rebate Offer Terms and Conditions

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Acceptance of Terms

By providing your CARP member number this means that you accept the terms and conditions of the promotional offer.


This offer is available to CARP Members who receive a reverse mortgage with HomEquity Bank. To be eligible, you must be a CARP member for 30 days prior to submitting an application to HomEquity Bank. Your application is deemed to be received by HomEquity Bank on the date the appraisal is ordered.

You will NOT be deemed eligible if:

  • You become a CARP member within 30 days of submitting an application to HomEquity Bank
  • You do not qualify for or do not proceed with a reverse mortgage at HomEquity Bank
  • You may not be eligible for this promotion in conjunction with other HomEquity Bank promotions or offers.


You are responsible to pay for the appraisal and to pay any other costs incurred in the process of obtaining your reverse mortgage. If you receive a HomEquity Bank reverse mortgage, you will be rebated the lesser of: the cost of the appraisal or $250.00. You will receive this rebate within 90 days following the funding of your reverse mortgage.


If HomEquity Bank has a void cheque for your bank account on file, the rebate will be deposited into your bank account by electronic funds transfer (EFT). If HomEquity Bank does not have a bank account on file, a cheque will be issued in the name of (one of) the borrower(s). The cheque must be cashed within 6 months and a replacement cheque will not be provided.


You are responsible for any income tax liability arising from the rebate you receive. We do not issue tax receipts.

Changes to the promotion

HomEquity Bank reserves the right to change the terms and conditions or terminate the promotion at any time without notice. Notwithstanding any other provision in these terms and conditions, posting of the current version of these terms and conditions at www.chipmoney.ca/carpterms shall be deemed to be notice to you, where notice is required to be given to you.

How Reverse Mortgages Work

Reverse Mortgage Videos

Watch these videos from HomEquity Bank and learn more about CHIP Reverse Mortgage

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Reverse Mortgage Videos

Reverse Mortgage Videos

Watch these videos from HomEquity Bank and learn more about CHIP Reverse Mortgage

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