Unlock Your Home’s Wealth:
Live Richly in Retirement Without Moving
A reverse mortgage allows homeowners aged 55+ to access the equity in their home without selling, moving, or making monthly mortgage payments. Your home equity can be converted into tax-free funds—while you retain full ownership of your home. Repayment only occurs when the home is sold or no longer your primary residence.
Who Is a Reverse Mortgage For?
Reverse mortgages are designed for homeowners aged 55 and older who are house-rich but cash-constrained.
They are commonly used to improve cash flow, eliminate high-interest debt, fund home upgrades, or enhance retirement income—without impacting government benefits.
Key Benefits
Zero Monthly Payments
Keep living mortgage-free - repayment only when you sell, or pass away.
Stay + Renovate
Fund accessibility upgrades or dream kitchens without moving.
Debt Shield
Eliminate high-interest debts draining your retirement.
Legacy Protected
Equity remains for your family.
The Your Rate Guy Advantage
Compliance-First Approach
Every deal meets strict regulatory standards.
Equity Maximization
We work to secure 15–25% more capital than many alternatives.
Future-Proof Planning
Lock in today’s rates while protecting long-term retirement plans.
Do I still own my home with a reverse mortgage?
Yes. You retain full ownership and title to your home at all times.
Are there monthly mortgage payments?
No. There are no required monthly mortgage payments while you live in the home.
When does the loan need to be repaid?
The loan is repaid when the home is sold, the homeowner moves, or the estate is settled.
Is the money I receive taxable?
No. Funds received from a reverse mortgage are tax-free and do not affect CPP or OAS benefits.
How much equity can I access?
Depending on age, home value, and location, homeowners may access $100,000 to over $1,000,000.
Is a reverse mortgage safe?
Yes. Reverse mortgages in Canada are highly regulated and designed with homeowner protections.
“Your Rate Guy unlocked my retirement.”
I used my $487,000 reverse mortgage to pay off debt and install a stairlift. At 78, I’m finally enjoying my Rosedale home without financial stress.
— Martha T., Toronto
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