Access Equity From Your Home With
No Monthly Payments!
Get Your FREE Assessment
Receive your tax-free funds as a
lump-sum or in recurring installments to supplement your retirement.
Access Up to 55% of
Your Homes Equity
Receive your tax-free funds as a
lump-sum or in recurring installments.
Retain Ownership of
The Home You Love
No Negative equity guarantee: never owe more than your home is worth.
No Monthly
Payments Required
The loan is repaid only when you move, sell, or pass away.
What Is A Reverse Mortgage?
A reverse mortgage is a loan that allows you to access a portion of your home’s equity in cash, while still owning and living in your home. Unlike a traditional mortgage, you are not required make monthly payments. The loan is repaid only when you move, sell, or pass away.
#5 - “My family won’t approve.”
#6 - “The interest rates are too high.”
#7 - “I’m reducing the size of my estate.”
#8 - “A friend told me reverse mortgages are a bad idea.”
#2 - "I'll lose all my home equity."
#3 - “I won’t be able to make any payments.”
#4 - “I already have a mortgage — I won’t qualify.”
The Why :
Download Your Free Reverse Mortgage Guide
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How Is It Being Used?
More Canadians than ever are using reverse mortgages to stay in their homes longer, supplement their income, and manage rising living costs with ease.
Increased Cash Flow
With a reverse mortgage, people can access their equity without selling their home. This provides seniors with a source of cash that they can use to supplement their retirement income, pay for unexpected expenses, or make home renovations. People have the freedom to use the money from their reverse mortgage as they wish.
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Eliminate Debt Payments (mortgages, HELOC's, etc.)
Free yourself from monthly payments by using your home’s equity to pay off existing loans, mortgages, or lines of credit⎯giving you more breathing room and peace of mind.
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Consolidate high-interest debts
A reverse mortgage can help you combine high-interest debts into one manageable, lower-cost solution, or eliminate them all together.
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Protect Your Saving
Instead of dipping into your RRSPs, TFSAs, or other retirement savings, you can access the equity in your home to cover expenses — helping your nest egg last longer.
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Invest for Extra Income
Take a lump sum from your home equity and put it to work — whether that’s through income-generating investments or funding opportunities that build long-term security.
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Boost Your Retirement Income — Tax-Free
Enjoy the flexibility of steady, tax-free monthly advances to supplement your pension and maintain your lifestyle without affecting CPP, OAS, or GIS benefits.
Help Family
Whether it’s helping your children buy their first home or easing financial stress for your family, a reverse mortgage makes it possible to give without sacrificing your own peace of mind.
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Down payments
Help your children or grandchildren achieve homeownership sooner by gifting them a down payment from your home equity — without touching your savings.
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Investments
Use a portion of your home’s value to help family members start a business or invest in their future, while still keeping your finances secure.
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Major Life Expenses
Be there when it matters most. Access tax-free funds to help loved ones manage medical bills, tuition, wedding expenses, family vacations, or other sudden financial needs.
Enjoy Retirement + Age in Place
Many Canadians are using their home equity to make long-awaited dreams a reality while staying financially comfortable in retirement.
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A New, Right-Sized Home
Downsize or move into a home that better fits your lifestyle — without the stress of large monthly payments.
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Vacation Propert
Use your equity to purchase a vacation home or cottage and enjoy more time with family.
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Vehicle
Need a new car or want to upgrade to something more reliable? Your home’s equity can cover it — no financing required.
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Travel or Long-Awaited Experiences
It’s time to check off that bucket list. Fund the trips and experiences you’ve dreamed of with tax-free cash from your home equity.
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In-Home Care or Medical Bills
Cover healthcare or mobility expenses with peace of mind. A reverse mortgage can help you stay comfortable and independent while living in your own home during your golden years .
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Home Improvements & Modification
Whether it’s modernizing your space or adding accessibility features, your home’s equity can help you make meaningful upgrades without touching your savings.
The Advantages of A Reverse Mortgage
Liability Protection
You’ll never owe more than your home’s fair market value at the time of repayment, thanks to our No Negative Equity Guarantee.
Flexibility in Receiving Funds
Choose how you want to access your funds:
as a lump-sum, or in recurring instalments — whatever fits your needs best.
Flexible Monthly Payment Options
Choose how you want to access your funds: as a lump-sum, or in recurring instalments — whatever fits your needs best.
Stay In Your Home
Maintain full ownership and control of your home — live there for as long as you wish, without worrying about monthly payments.
No Monthly Mortgage Payments
Maintain full ownership and control of your home — live there for as long as you wish, without worrying about monthly payments.
No Impact on Government Benefits
Funds from a reverse mortgage are tax-free and won’t affect your eligibility for CPP, OAS, or GIS benefits.
