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Not sure which option is right for you?
Get Free AdviceIf you own a home in Toronto and you're 55 or older, a large share of your net worth is probably locked inside your property. We help GTA homeowners access that equity through a reverse mortgage or a more flexible equity-based alternative, so you can stay in the home you already love. As an equity-based lender with brokerage access, we lead with our own lending products and bring in partner lenders when that gets you better pricing or a structure a standard reverse mortgage can't offer.
A reverse mortgage in Toronto lets a homeowner aged 55 or older draw on the equity in their home without selling it. Unlike traditional mortgages, there are no monthly payments; this means you can continue living in your home while using the funds for whatever you need, such as home repairs, paying off debt, or supplementing retirement income.
Because Toronto and the wider GTA hold some of the highest property values in the country, homeowners here often have far more equity to work with than the national average. That matters: the more equity you hold, the more flexibility you have in how you draw on it. For a closer look at how local prices feed into this, read our breakdown of reverse mortgages and the housing market. Our reverse mortgage products are designed with flexibility in mind, allowing you to choose from a range of disbursement options, including lump sum payments or regular installments.
Eligibility is straightforward. You generally need to be at least 55, the home must be your primary residence, and the property should hold enough equity to support the amount you want to draw. Income and credit play a much smaller role than they would at a bank, which is why this route works for retirees, self-employed owners, and anyone who struggles to document income the traditional way. A reverse mortgage suits retirees who have significant equity in their home but limited monthly income. It allows you to maintain your lifestyle and cover expenses without selling your property or making monthly payments.
The process begins with a consultation where we assess the equity in your property. We'll explain how a reverse mortgage works, outline your options, and help you determine if this solution is right for you. With no minimum credit score or income required, the approval process is streamlined and focused on the value of your home.
We work with professional appraisers to determine the current market value of your home. This is a key step in understanding how much equity you can access. Typically, reverse mortgages allow you to borrow up to 70-75% of your home's appraised value, but the exact amount will depend on your specific property.
Once we've determined your eligibility, we'll provide a loan offer with clear terms and conditions. You can choose how you want to receive the funds — whether as a lump sum, regular payments, or a line of credit.
After reviewing and signing the loan agreement, the funds will be disbursed according to the agreed-upon method. From here, you can use the funds for your intended purpose, whether it's paying off debt, improving your home, or covering healthcare costs.
Unlike traditional mortgages, reverse mortgages do not require monthly payments. The loan is repaid when the property is sold, or when you move out of the home for more than 12 months, or upon your passing. If you decide to sell the home, any remaining equity is returned to you or your heirs after the loan is paid off.
Traditional reverse mortgages come with their own rules around minimum age, how much of your home’s value you can access, and who qualifies. For some homeowners those limits get in the way. Because we lend on equity first, we can often structure an equity-based loan that reaches a similar goal, turning home value into usable cash, without every one of those constraints. We will be honest about which option fits: sometimes a reverse mortgage is the right tool, and sometimes a home equity loan or second mortgage gives you more control. If your goal is steady income through retirement rather than a single lump sum, our retirement mortgage may be the better starting point.
We work with homeowners right across the GTA, from the Toronto core out through Durham, York, Peel and Halton. If you want to compare your options side by side, our guides on the best way to get a reverse mortgage and the pros and cons of a reverse mortgage are a good place to start. When you’re ready to move forward, you can apply for a reverse mortgage in the GTA and we’ll walk you through it.
We pride ourselves on offering equity-based lending solutions that give you the freedom to access the funds you need without the stress of monthly payments. Whether you’re interested in a reverse mortgage or Home Equity Loan, we offer competitive loan-to-value ratios of up to 70-75%, and we can provide financing in first or second mortgage positions.
As an equity-based lender serving Toronto and the GTA, we tailor solutions around the value in your home rather than around bank paperwork, and we can fund many deals directly. The point isn’t just to access cash; it’s to enhance how you live, whether that means clearing debt, helping family, or simply having more room to enjoy retirement. We offer a home equity mortgage with minimal hassle. Whether you’re interested in a second mortgage or a reverse mortgage, we’re here to help you unlock the potential of your property.
No credit check. No income verification. Funds in as little as 48 hours.
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No credit check. No income verification. Our team is ready to help you unlock the value of your home.