Reverse Mortgage
You have spent decades building equity.
Let's talk about how to use it.
A reverse mortgage allows Canadian homeowners aged 55 and older to access up to 55% of their home's value — tax-free, with no monthly mortgage payments required. You keep full ownership of your home.
It is not the right solution for everyone. But for the right person in the right situation, it can be genuinely life-changing. I will give you an honest assessment of whether it makes sense for you.
What a reverse mortgage can help with
Supplementing retirement income
Covering healthcare or home care costs
Helping adult children with a down payment
Eliminating existing debt and monthly payments
Funding home renovations or accessibility modifications
Maintaining your lifestyle without selling your home
Creating financial flexibility in retirement
How does a reverse mortgage work in Canada?
A reverse mortgage lets you borrow against the equity in your home. You receive the funds as a lump sum or in regular payments. No monthly mortgage payments are required. The loan is repaid when you sell the home, move out, or pass away. Interest accrues over time and is added to the loan balance.
Will I still own my home?
Yes. You retain full ownership of your home throughout the life of the reverse mortgage. You are responsible for property taxes, home insurance, and maintenance — just as you are now.
How much can I borrow with a reverse mortgage?
You can access up to 55% of your home's appraised value, depending on your age, your home's location and condition, and the lender. The older you are, the more you can typically access. I will give you a realistic estimate based on your specific situation.
What are the risks of a reverse mortgage?
The main risk is that interest compounds over time, which reduces the equity remaining in your home. This can affect what you leave to your estate. I will walk you through the full financial picture — including projections of what your equity will look like over time — so you can make a fully informed decision.
Ready to get started?
No obligation, no pressure — just a direct conversation.
Book a Reverse Mortgage Consultation