Reverse Mortgage Solutions

Access the Value in Your Home — Without Moving

A reverse mortgage allows Canadian homeowners aged 55 and older to access a portion of their home’s value as tax-free cash while continuing to live in the property.

Unlike a traditional mortgage, no regular payments are required. The loan is repaid only when the home is sold, you move, or the last homeowner leaves the property.

For many retirees, this provides a way to increase financial flexibility without downsizing or taking on monthly debt obligations.

How a Reverse Mortgage Works

You may be able to access up to approximately 55% of your home’s appraised value, depending on:

• Your age (or the youngest homeowner’s age)
• Property value and location
• Type and condition of the home
• Current mortgage balance, if any

The funds can be received as a lump sum, regular payments, or a combination of both.

Designed Specifically for Canadians 55+

Qualification is often simpler than traditional lending because approval is based primarily on your home’s value rather than income.

Typical requirements include:

✔ Age 55 or older
✔ Ownership of the home
✔ Property used as your primary residence
✔ Sufficient equity in the property

Is a Reverse Mortgage Right for You?

A reverse mortgage can be a helpful solution if you want to improve cash flow while remaining in your home.

Common uses include:

✔ Supplementing retirement income
✔ Paying off an existing mortgage
✔ Covering healthcare or living expenses
✔ Funding home renovations or accessibility upgrades
✔ Helping children or grandchildren financially
✔ Creating a financial cushion for peace of mind

Most importantly, it allows you to remain in the home you’ve built over the years.

A Decision That Deserves Careful Guidance

A reverse mortgage isn’t the right solution for everyone. Our role is to explain the benefits, costs, and alternatives clearly so you can make an informed decision with confidence.

As a Top 5% Mortgage Professional in Canada, Cam provides straightforward advice tailored to your situation — with no pressure.

Family members are always welcome to be part of the conversation.

Serving Homeowners Across Niagara

We assist clients aged 55+ throughout:

St. Catharines
Niagara Falls
Thorold
Welland
Fort Erie
Port Colborne
Grimsby
Lincoln
Niagara-on-the-Lake
And communities across Southern Ontario

Learn Whether a Reverse Mortgage Fits Your Needs

If you’re exploring ways to access your home equity without selling or downsizing, a confidential consultation can help clarify your options.

Use the Apply button or schedule an appointment to discuss your situation.