Here is your estimate!
$ 300,000 CAD
This ia an estimated amount you may be eligible for based on the information provided.
Next Step?
Book a call with a registered mortgage professional that specializes in reverse mortgages.
Here’s The Good News:
You can access the equity in your home—tax-free—without having to sell, move, or make monthly payments.
✅ Stay in the home you love
✅ Get the cash you need to enjoy retirement
✅ No monthly mortgage payments required
✅ You always remain the owner of your home
What Is A Reverse Mortgage?
A reverse mortgage lets Canadian homeowners aged 55 or older tap into up to 55% of their home’s value, tax-free, with no required monthly payments. You continue to own and live in your home. Repayment is only due when you move, sell, or the last borrower passes away.
It’s a secure and regulated solution built specifically for seniors—with powerful protections in place, including:
You’ll never owe more than your home is worth
Your name stays on the title
Funds are tax-free and won’t impact CPP, OAS, or GIS
NO MONTHLY MORTGAGE PAYMENTS!
Unlock Your Homes Equity and Live Comfortably With The Family You Love
How Much Does A Reverse Mortgage Cost In Canada?
There are NO Upfront Costs for Reverse Mortgages!
Reverse mortgage programs in Canada have costs similar to traditional mortgages, including appraisal, legal, and administrative fees. They also offer competitive interest rates, making them a viable option for senior homeowners looking to access their home equity without monthly payments.
5 Year Fixed Rates
Why More Canadians 55+ Are Choosing Reverse Mortgages
Read through some of our customer/client testimonials.
We were struggling to make ends meet in retirement, and our home was our biggest asset. A reverse mortgage allowed us to stay in the home we love while accessing the funds we needed for daily expenses and a few well-deserved vacations. The process was straightforward, and we never felt pressured. Now, we have peace of mind and didn’t have to sell our home.
I lost my husband a few years ago, and my pension alone wasn’t enough to cover home repairs and rising living costs. A reverse mortgage gave me the freedom to upgrade my kitchen, take care of medical expenses, and still enjoy my retirement. I was worried at first, but after speaking with a financial advisor, I realized it was the perfect solution for me.
I always planned to leave my home to my children, but they encouraged me to use a reverse mortgage to make my retirement more comfortable. Thanks to the extra funds, I’ve been able to travel, support my grandchildren’s education, and handle unexpected costs without stress. The best part is, I still own my home and can live here as long as I want.
After having a terrible experience with Scotia Bank, I found Wise Equity by chance. We had given up finding traditional financing for our multigenerational home. I spoke to Nathaniel who thought he could find exactly what we needed and he was right. He brokered a great deal for us with TD. We cannot stress how impressed we all were with the entire Wise Equity team – extremely competent, friendly and efficient. Amazing level of communication! We couldn’t have asked for a better group of people to work with. We will recommend, and already have, Wise Equity to anyone who is looking for a mortgage.
GOD Bless Wise Equity! I have always felt something in my heart to build a home in where I am from and with the help of Wise Equity I am doing just that. I did not have much when I came to Canada but I was able to save and purchase a humble home.
This home has allowed me to leave behind my own legacy for my family.
Excellent service. HEM is quite slow in their processes and Wise was very helpful and very prompt in eventually getting the funds. Would highly…
Reverse Mortgages Are Helping People Just Like You
Supplement fixed income (CPP/OAS) without adding bills
Cover rising costs like property tax, home maintenance, or medical expenses
Renovate for aging in place (walk-in showers, stair lifts, etc.)
Help adult children or grandchildren now—not just later
Travel, enjoy hobbies, or simply live more comfortably
But Wait… I Heard Reverse Mortgages Are Risky? That’s A Common Concern, and One We Take Seriously.
Let’s set the record straight:
| Concern | Reality |
|---|---|
| "I'll lose ownership of my home" | False - You remain the homeowner |
| "It's like selling to the bank" | False - This is not a sale, it's a loan |
| "What if I outlive the loan?" | You're Protected - You can live in your home for life |
| "What about my kids?" | They're Protected - Any remaining equity still goes to your estate |
| "What if home values drop?" | You're protected - You'll never owe more than your home is worth |
We understand the hesitation. That’s why we offer a clear, pressure-free process where all your questions get answered before anything moves forward.
Who is this not for? Were honest about who this is and isn’t for
A reverse mortgage isn’t for you if:
You’re planning to move in the next few years
You don't own a home
You have other cash flow options that meet your needs
But if you’re 55+…
If your home is your biggest asset…
If you want to stay where you are while improving your retirement lifestyle…
Then a reverse mortgage could be the tool that gives you freedom, comfort, and breathing room.
What can you use your reverse mortgage for?
Tax Free Cash Flow
Debt Consolidation
Renovations
Tax Free Investments
Vacation Home
Gifted Down Payment
Let’s Talk—No Pressure, Just Honest Answers
We’re here to help you explore your options, not sell you something you don’t need.
100% confidential | No obligation | No pressure
You’ve Earned This. After a lifetime of hard work, your home should work for you. Let us help you stay where you are, live how you want, and finally enjoy the retirement you’ve earned.
Independently Owned & Operated
FRSA #12685
Wise Equity Reverse Mortgages
1-647-955-7464
info@wiseequity.ca
www.wiseequity.ca
Head Office Address: 100 Consilium Place, Suite 200. Toronto, ON. M1H 3E3
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