Why wait? Give while you're here to see it.
Help your children or grandchildren with a down payment, education or a major life milestone using your home equity, while you're still here to enjoy the moment.
Tax-free · No required monthly payments · You stay on title
The essentials
- Access equity tax-free with no monthly payments
- Fund down payments, education, weddings and milestones
- Keep full ownership and control of your home
- See the impact of your generosity in your lifetime
- Structured gifting the whole family understands
An inheritance usually arrives when your kids are in their sixties, long after the down payment struggle, the tuition bills and the wedding. A living inheritance moves that help to the moment it changes their lives.
For many families it's also practical estate planning: a documented, intentional gift made on your terms, with your guidance, while you're here to share the joy of it.
Dig deeper
Our dedicated reverse mortgage site covers this strategy in full, guides, scenarios and answers for homeowners 55+.
reversemortgage-ontario.ca →Other ways homeowners 55+ use their equity
Free Reverse Mortgage Guide
Plain-language guide: how it works, who qualifies, taxes, benefits and the alternatives.
Learn more →Retirement Cash Flow
Convert equity into tax-free income, as a lump sum or scheduled advances.
Learn more →Debt Relief Ontario
Pay off high-interest debt in one move and free up your monthly cash flow.
Learn more →Aging in Place
Fund accessibility upgrades, in-home care and daily expenses, and stay put.
Learn more →Talk it through with someone licensed.
Free, confidential and no-obligation, and bring your family to the call if you'd like. Good decisions survive questions.