Stay in the Home
You Love.
Live on Your Terms.
You spent decades building equity in your home. A reverse mortgage lets Ontario homeowners 55 and older turn that equity into tax-free cash — with no monthly payments and no need to sell or downsize.
Your Home. Your Memories. Your Retirement.
Unlock the wealth in your home without giving up the home itself. You remain the owner — always.
How Ontario Retirees Use Their Home Equity
Clear. Protected. Unhurried.
You Unlock?
Your age and home value drive the number. Try the estimator to see a realistic range — and how much equity you would still keep.
Try the EstimatorSee What Your Home Could Provide
Type exact values or use the sliders — the estimate uses the age of the youngest owner on title and your home's value.
Type an exact value from 55 to 90. Dragging the slider moves quickly. With the slider focused, press the left or right arrow key to move in steps of 1.
Type an exact value from $300,000 to $3,000,000. Dragging the slider moves quickly. With the slider focused, press the left or right arrow key to move in steps of $100.
Type an exact value from $0 to $800,000. Dragging the slider moves quickly. With the slider focused, press the left or right arrow key to move in steps of $100.
No monthly payments required; interest accrues on the balance. Actual amounts depend on the lender's age table, property type, and location. Estimate only — OAC.
Straight Answers for Families
It is a loan secured against your home that you do not have to repay until you sell, move out permanently, or pass away. You receive cash — as a lump sum, monthly advances, or both — and interest accumulates on the balance over time. You keep full ownership and title. In Canada the two main providers are HomeEquity Bank (CHIP) and Equitable Bank.
No Pressure. No Jargon.
Just Honest Answers.
A reverse mortgage is a big decision. Let's talk it through — bring your spouse, your kids, or your accountant. I will walk everyone through it plainly.
