Unlock your home's value, stay right where you are.
“I want to stay in my home but I need access to my equity.”
Tax-free access to your home equity with no required monthly payments. For Canadian homeowners 55 and better.
FSRA licensed · 70+ banks & lenders · 20+ years experience
Explore reverse mortgage solutions
A reverse mortgage isn't one product, it's a strategy. Here's what homeowners 55+ use it for.
Retirement Cash Flow
Convert equity into tax-free monthly income or a lump sum that doesn't affect OAS or GIS benefits.
Learn more →Debt Relief Ontario
Eliminate high-interest credit cards, loans or an existing mortgage payment, and breathe again.
Learn more →Living Inheritance
Gift a down payment to children or grandchildren now, when it helps most, and watch them enjoy it.
Learn more →Aging in Place
Fund renovations, in-home care or day-to-day expenses so you can stay in the home and neighbourhood you love.
Learn more →Free Reverse Mortgage Guide
Not sure where to start? A plain-language walkthrough of how it works, what it costs and whether it fits.
Learn more →The essentials, in plain language
You keep ownership
Your name stays on title. You stay in your home as long as you choose, provided taxes and insurance are maintained.
No required payments
Interest accrues on the loan; nothing is due until you sell, move, or the estate settles. You can make payments if you want to.
Tax-free proceeds
Funds from a reverse mortgage are loan proceeds, not income, they aren't taxed and don't claw back government benefits.
Frequently asked
How much can I borrow with a reverse mortgage?
Can I lose my home?
What happens to the equity for my kids?
Other ways we can help
Mortgage Refinance
Unlock equity, consolidate high-interest debt, fund renovations or invest, without selling your home.
Learn more →Second Mortgage
Tap home equity without disturbing your existing first mortgage or its rate.
Learn more →Line of Credit
Revolving access to your equity, draw what you need, pay interest only on what you use.
Learn more →Your next step starts with a conversation.
Free, confidential and no-obligation. Bring your questions, leave with a plan.