YOUR HOME BUILT THIS EQUITY.
A REVERSE MORTGAGE LETS YOU USE IT.

If you're 55 or older and own your home, a reverse mortgage allows you to access a portion of your home's value as tax-free cash — with no monthly payments required, and without giving up ownership or having to move.

AM I ELIGIBLE?

Who can benefit from a reverse mortgage

A reverse mortgage is designed for Canadian homeowners who have built significant equity in their property. You may be a strong candidate if:

1

You own and live in your home as your primary residence

2

You are 55 years of age or older

3

Your home is valued at $1,000,000 or more

4

You need additional cash flow to support your lifestyle

You do not need to be mortgage-free — but any existing mortgage must be less than 25% of your home’s current market value to qualify for a reverse mortgage.

HOW IT WORKS

1

We assess your home equity

Together we review your home's current value, any existing mortgage, and how much equity is available to access — typically up to 55% of your home's appraised value.
2

You choose how to receive the funds

Take the money as a lump sum, in scheduled advances, or a combination of both — depending on your goals, whether that's monthly income, a renovation, helping family, or paying off debt.
3

You stay in your home — no payments required

There are no monthly mortgage payments. The loan balance accumulates over time and is repaid only when you sell, permanently move out, or the estate is settled. Any remaining equity after repayment belongs to you or your heirs.

What a reverse mortgage can do for you

Stay in the home you love

Downsizing is costly — financially and emotionally. A reverse mortgage lets you remain where you are, on your own terms.

No monthly payments

Unlike a HELOC or refinance, you are not required to make any monthly mortgage payments for as long as you live in your home.

Tax-free cash

Proceeds from a reverse mortgage are not considered income, so they are received tax-free and do not affect OAS or GIS eligibility.

Help your family now

Gift an early inheritance, help a child with a down payment, or cover a grandchild's education — while you're still here to see the impact.

Renovate and improve

Fund home repairs, accessibility upgrades, or renovations that make your home more comfortable for the years ahead.

You keep full ownership

Your name stays on the title. The lender does not own your home. You retain all the rights of homeownership throughout the life of the loan.

Not sure if it’s right for you?

I offer a free, no-obligation consultation to walk through your situation and help you decide — with full transparency about costs, terms, and alternatives.