Pando Kirou

District Vice President

Contact Information

Telephone 416-859-8496
Email pkirou@heb.ca

Corporate Address

Royal Bank Plaza, South Tower, 200 Bay Street, Suite 3500, Toronto, ON M5J 2J1

About Pando

Pando Kirou serves as a District Vice President in the Greater Toronto Area (East), within the Mortgage Broker channel. Pando has worked at HomeEquity Bank for about 4 years and received HomeEquity Bank’s highest recognition ranking of President's Club for 2017 & 2018!

What is a Reverse Mortgage?

A reverse mortgage is a loan secured against the value of your home. Unlike a loan or a regular mortgage, with CHIP you are not required to make payments. You only repay the loan when you move or sell your home.

You’ve worked hard to own your home. Now get your home working for you to:

  • Pay off debts
  • Renovate or make your home more accessible
  • Handle unexpected expenses
  • Help your children or grandchildren
  • Improve your day-to-day living standard
  • Make a special trip or purchase

Your obligations

You are required to keep your property in good maintenance, pay your property taxes and property insurance.

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Partners

We work with independent financial advisors as well as chartered banks, mortgage brokers, credit unions, and investment and financial planning firms across Canada. Our goal is to help as many seniors as possible benefit from the equity they’ve built up in their home.

  • Build your book and generate revenue by putting your clients’ home equity to work.
  • Retain our senior clients and consolidate their assets.
  • Preserve existing assets under administration by alleviating the need to sell investments more quickly.
  • Expand your client base in a growing market segment.