Reverse Mortgage

Explore your home equity with confidence.

A thoughtful conversation can help you understand whether a reverse mortgage may support your financial goals.

Unhurried, respectful conversations
Family members are welcome to take part
No documents required to begin

Request a thoughtful conversation

There is no obligation and no pressure — simply a clear explanation of how this financing works.

Understanding it

How this financing works

A reverse mortgage allows eligible homeowners to access a portion of their home's equity without a required regular mortgage payment. The balance grows over time and is generally repaid when the home is sold or the last borrower no longer lives there.

It is not the right answer for everyone, and it is worth comparing against other options — including a conventional refinance or a line of credit. Eligibility, the amount available and the terms depend on age, property, existing secured balances and lender criteria. Nothing is promised in advance, and there is no pressure to proceed.

Who tends to ask about this

Homeowners considering how to supplement retirement income
Families reviewing options together on behalf of a parent
Homeowners who want to remain in their home long-term
People weighing a reverse mortgage against selling or downsizing
Anyone wanting a plain explanation before making a decision

The process

What happens next

A simple path from first message to a decision you feel good about.

01
Request a conversation
A short form is all it takes to start — no documents needed.
02
Speak directly with Leah
You'll talk with Leah herself about your situation and what you're trying to accomplish.
03
Review the options available
Leah explains what may be possible based on your circumstances, qualification and eligible lenders.
04
Decide at your own pace
You move forward only when the structure makes sense to you. There is no obligation.

FAQs

Reverse Mortgage questions

Questions that come up most often for this specific situation.

Who is eligible for a reverse mortgage?

Eligibility is set by the lender and depends on factors such as the homeowners' ages, the property, its location and any balances already secured against it. Leah can explain the criteria that would apply to your situation.

Do I still own my home?

Yes. Title remains in the homeowner's name. As with any mortgage, obligations such as property taxes, insurance and maintaining the home continue to apply.

How much could be available?

That depends on age, property value, location, existing secured balances and lender criteria. No amount can be promised before a proper review.

Can my adult children be part of the conversation?

Absolutely. Many families prefer to review the options together, and Leah is happy to include whoever you would like present.

FAQs

General mortgage questions

Helpful background that applies to most mortgage conversations.

Can I speak with Leah before completing a full application?

Yes. Most conversations begin with a short form and a call. You can ask questions, understand the process and decide whether you want to go further before any full application is started.

What is the difference between refinancing and a home line of credit?

Refinancing replaces your existing mortgage with a new one, often at a new amount and new terms. A home equity line of credit (HELOC) is a separate revolving facility secured against your home that you can draw on as needed. Which one makes sense depends on your goals, your existing secured balances, qualification and lender criteria.

Can refinancing help consolidate debt?

For some homeowners, consolidating higher-interest balances into mortgage financing can simplify payments. Whether it is possible, and whether it is the right decision, depends on your property value, existing balances, qualification and the lenders available for your situation.

What determines how much equity I may be able to access?

Typically your property's value, the balances already secured against it, your qualification, and the criteria of the lenders eligible for your circumstances. There is no single maximum that applies to everyone, and lenders do not all treat equity the same way.

Do you serve clients outside the GTA?

Yes. Leah works with clients across Ontario — from Richmond Hill, Vaughan, Etobicoke, Brampton and Mississauga through to Niagara and beyond.

Can Leah help if my bank was unable to offer the solution I needed?

Sometimes. A single institution reviews your file against its own criteria only. Leah can look at whether other eligible lenders may consider your situation, though any outcome depends on your circumstances, qualification and lender criteria. Nothing is guaranteed.

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