You built equity
for decades.
Now use it.
Tap into up to 55% of your home's value — completely tax-free, with no monthly payments and no proof of income required. Stay in your home and enjoy the retirement you've earned.
Your home has been working for decades. Now it works for you.
Most retirees have significant wealth locked in their home but limited access to it without selling or taking on a payment they can't afford. A reverse mortgage changes that — letting you access your equity as tax-free cash with zero monthly obligation.
Approval is based entirely on your age, home value, and location — not income, employment, or credit score.
And if a reverse mortgage isn't the right fit, we'll tell you — and show you the alternatives that may serve you better.
Your money. Your way.
There are no restrictions on how you use the funds. Here are the most common ways our clients put their equity to work.
From first call to funds in hand.
Make an informed choice.
A reverse mortgage is one tool — not always the only one. Depending on your income, age, and goals, a HELOC or refinance may be a better fit. We assess all options honestly.
"Sometimes the answer isn't just a reverse mortgage. Sometimes it's a smarter strategy."
| Reverse | HELOC | Refinance | |
|---|---|---|---|
| Monthly payments | None | Interest-only | Principal + interest |
| Income required | No | Yes | Yes |
| Age requirement | 55+ | 18+ | 18+ |
| Max equity access | Up to 55% | Up to 65% | Up to 80% |
| Best for | Retirees, fixed income | Flexible borrowing | Lower rate access |
Know before you decide.
We believe every client should fully understand this product before signing anything. These aren't reasons to avoid it — they're things to understand going in.
- Interest accruesInterest adds to your loan balance over time — there are no monthly payments, but your balance will grow.
- Equity is reducedAs the balance grows, the equity remaining in your home decreases. This affects what you leave to your estate.
- Early repayment costsIf you sell or repay before the term ends, there may be prepayment charges depending on the lender.
- First mortgage onlyA reverse mortgage must be the primary charge on the property. Existing mortgages must be paid out at closing.
- Property maintenanceYou remain responsible for property taxes, home insurance, and general upkeep throughout the term.
What retirees ask us most.
No question is off the table. We've helped seniors at every stage — from early planning to urgent retirement income needs.
Find out what your home can do for you.
The conversation is free. No pressure, no obligation. Most retirees are surprised by what's actually available to them.
Whether a reverse mortgage is the right answer or another strategy fits better — we'll give you an honest picture of all your options.
Call 416-262-LOAN (5626)Lic. 13747 · FSRA Regulated Brokerage