How It Works
Simple, transparent, and designed around you.
A reverse mortgage doesn't have to be complicated. Here's exactly what to expect — from your first question to funds in hand.
The Process
Your journey, step by step
Free Consultation
We start with a relaxed, no-obligation conversation — by phone, video, or in person. I'll learn about your home, your goals, and your family situation. There's no pressure and no commitment required.
Typically 30–45 minutesEligibility & Home Assessment
I'll confirm your eligibility based on your age (55+), your home's value, and your location. A professional appraisal of your home will be arranged — this determines how much equity you can access.
Usually completed within 1–2 weeksPersonalized Plan
Based on your home's appraised value and your needs, I'll present your options clearly. We'll discuss how much you can access, how you'd like to receive the funds, and what the long-term picture looks like.
Tailored to your goalsApplication & Approval
Once you're ready to move forward, I handle the paperwork. The application process is straightforward and I'll guide you through every document. Your independent legal advice appointment ensures you feel fully protected.
Approval typically within 2–4 weeksReceive Your Funds
After closing, your tax-free funds are deposited directly to you — as a lump sum, regular payments, or a combination. You continue living in your home, with no monthly mortgage payments required.
Funds arrive at closingAm I Eligible?
Who qualifies for a reverse mortgage?
Age 55 or older
All homeowners on title must be at least 55 years of age.
Canadian homeowner
You must own your home and it must be your primary residence in Canada.
Sufficient home equity
Your home must have enough equity to qualify — typically a minimum appraised value applies.
Property type
Most single-family homes, condos, and townhomes qualify. I'll confirm your specific property.
Ready to take the first step?
Book a free, no-pressure consultation and I'll walk you through everything personally.