Turn home equity into tax-free retirement income.
Fund the retirement lifestyle you deserve, without selling your home and without monthly mortgage payments.
Tax-free · No required monthly payments · You stay on title
The essentials
- Access up to 55% of your home's appraised value
- Receive funds as a lump sum, scheduled advances, or both
- No monthly mortgage payments required
- Proceeds are tax-free and don't affect OAS or GIS
- You keep full ownership and stay on title
- Repayment only when you sell or move out
Decades of house payments built the wealth, a reverse mortgage lets that wealth pay you back, monthly or all at once, while you keep living in it.
Because the funds are loan proceeds rather than income, they arrive tax-free and leave your government benefits untouched, a distinction that matters enormously to retirees managing OAS and GIS thresholds.
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.
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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.