Your Home is
Your Pension.
Access up to 55% of your home's value in Tax-Free Cash. No monthly payments. No selling. Stay in the home you love.
Are you over 55?
Why Reverse Mortgage?
The smartest way to fund retirement for asset-rich Canadians.
100% Tax-Free
The money is a loan advance, not income. It is not taxable and does not affect your OAS or GIS benefits.
No Monthly Payments
You are not required to make mortgage payments (principal or interest) for as long as you live in the home.
Stay in Control
You maintain title and ownership. You can sell at any time. You never owe more than the home's value.
How it Works
Qualification
You must be 55+ and own your home. The amount you qualify for depends on your age, home value, and location.
Receive Funds
Take the money as a lump sum, monthly income, or a line of credit. Use it to pay off debts, renovate, or gift to children.
Enjoy Life
Make no payments. Interest accrues quietly in the background. Repay only when you move or sell.
Popular Uses
- Pay off existing mortgage & debts
- Home renovations (Accessibility)
- Help children buy their first home
- Travel and healthcare expenses
- Supplement monthly pension income
Common Concerns
Will the bank take my house?▼
Absolutely not. You remain the owner. The bank simply registers a mortgage against the property, just like a regular loan. You cannot be forced to move as long as you maintain the property and pay your property taxes.
What if my spouse is under 55?▼
Both homeowners must typically be on title. If one spouse is under 55, you may still qualify, but the amount you can borrow will be based on the age of the younger spouse.
Get Your Official Quote
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