Access your equity, stay in your home, no monthly payments.
For Canadian homeowners aged 55 and older, a reverse mortgage converts home equity into tax-free funds with no required monthly payments — you stay in your home. It is a significant decision, and we walk through the real trade-offs before you proceed.
- Licensed FSRA brokerage
- For homeowners 55+
- Independent legal advice required
Who a reverse mortgage suits.
Equity-rich, cash-flow-tight
Your home holds substantial equity but your monthly income is limited. A reverse mortgage frees the equity without adding a payment.
Aging-in-place homeowners
You want to stay in your home rather than downsize, and need funds to make that comfortable and sustainable.
Income supplementers
You want to top up retirement income, fund care, or handle a large expense without selling or taking on a payment.
Estate-aware planners
You want to access equity now while understanding the effect on what passes to your estate — we make that explicit.
Tax-free funds, no payments — and honest trade-offs.
A reverse mortgage is powerful and consequential — both are true.
You can typically access up to 55% of your home value, tax-free, with no required monthly payments. You keep title and stay in your home. The interest, however, compounds and is added to the balance over time, which reduces the equity remaining for you or your estate. Canadian reverse mortgages carry a no-negative-equity guarantee, so you will never owe more than the home is worth.
We will not sugar-coat it. Reverse mortgage rates are higher than conventional ones, and the compounding balance is the central trade-off you need to weigh. Independent legal advice is required, and we encourage involving family. Our job is to make sure you decide with the full picture — and only if it genuinely fits.
What a reverse mortgage is, honestly.
A reverse mortgage lets a homeowner 55 or older borrow against home equity — typically up to 55% of the home’s value — as tax-free funds, with no required monthly payments. You keep title and stay in your home.
Instead of you paying the lender each month, the interest is added to the balance and compounds over time. That growing balance reduces the equity left for you later or for your estate — this is the central trade-off, and the one to weigh most carefully.
Canadian reverse mortgages carry a no-negative-equity guarantee: you’ll never owe more than the home is worth when it’s sold. Rates are higher than conventional mortgages, independent legal advice is required, and we encourage involving family in the decision.
Run your numbers in the calculatorYou’re 55+ with substantial equity and tight cash flow
The equity is there, but monthly income is limited and adding a payment isn’t workable.
You want to stay in your home, not downsize
Aging in place matters more to you than preserving maximum estate value.
You’ve weighed the trade-off with the full picture
You understand the compounding balance and have, or will get, independent legal advice and ideally family input.
- Downsizing or a HELOC would meet the need at lower cost — we’d walk through those with you first.
- Preserving maximum equity for your estate is the priority — the compounding balance works against that goal.
- The decision feels rushed or pressured — this is never a product to hurry; if it’s right, it’ll still be right after you’ve taken your time.
From conversation to funded equity.
An unhurried process built around understanding, not pressure.
Conversation
We confirm eligibility (55+, qualifying home) and talk through whether this genuinely fits.
Estimate
How much equity you can access, the rate, and the projected balance over time.
Advice
Independent legal advice and, where you wish, family involvement before you commit.
Funding
Funds released tax-free, as a lump sum or in installments — you stay in your home.
What you need now, and what comes later
You only need the first group to start. We request the rest as your file progresses — and we tell you exactly when.
Get the full document checklist
See exactly what we’ll ask for — grouped by when you need it, with what’s required vs. situational clearly marked. We’ll email you a branded PDF you can keep and work from.
Reverse mortgages require proof of age (55+), home ownership, and an appraisal. Independent legal advice is mandatory before funding.
How long it takes
- 01
Conversation to estimate: a few days
No pressure. We confirm eligibility and provide a clear estimate of available funds and projected cost.
- 02
Application to approval: 1-2 weeks
Appraisal and lender review confirm your available amount.
- 03
Legal advice to funding: 1-2 weeks
Independent legal advice is completed, then funds are released. The whole process is deliberately unhurried.
Questions buyers ask
Who qualifies for a reverse mortgage in Canada?
Canadian homeowners aged 55 or older, on the home that is your principal residence. All registered owners must meet the age requirement. The amount available depends on your age, home value, location, and the lender.
Do I have to make any payments?
No monthly payments are required. Interest accrues and is added to the balance, which is repaid when you sell, move out, or through your estate. You may make voluntary payments if you wish to slow the balance growth.
Will I lose ownership of my home?
No. You keep title and remain the owner. As long as you maintain the property, pay taxes and insurance, and it remains your principal residence, you stay in your home.
What happens to my estate?
The compounding balance reduces the equity that passes to your estate — this is the central trade-off. Canadian reverse mortgages carry a no-negative-equity guarantee, so your estate will never owe more than the home sells for. We model the projected impact so it is explicit before you decide.
Why is independent legal advice required?
Because a reverse mortgage is a major financial decision, lenders and regulators require you to receive independent legal advice before funding. It protects you — ensuring you fully understand the terms and the long-term effect — and we strongly encourage involving family in the conversation.
Explore whether a reverse mortgage truly fits.
Start an unhurried, no-pressure conversation. About 6-8 minutes.
Explore a reverse mortgage