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You worked hard all your life. Your home has value - let's use it to make your life easier.

What kind of home do you own?

Let's find out how the value in your home could help you achieve that goal - with no monthly payments. It only takes a few minutes.

Detached house
Semi-detached
Link home
Townhouse / row house (freehold)
Condo townhouse / stacked townhouse
Condo apartment
Duplex / triplex / fourplex (I live in one unit)
Other property type
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What is the address of the home you live in?

Start typing your address or postal code and select from the list

Go!

Your full address or just your postal code works

We use this to check local market values
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How do you currently use this home?

Select the option that best describes how you use this home

My main home (I live here)
A second home (vacation or family)
A rental or investment property
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About how much do you think your home is worth today?


Enter whole dollars only (e.g., 650000)

Continue

A rough estimate is fine — we'll confirm details during your consultation.
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How much do you still owe on your mortgage, if anything?

Enter whole dollars only (e.g., 350000). If your home is paid off, enter 0.

Continue

You can find this on your most recent mortgage statement.
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Do you have a HELOC or second mortgage on the home?

These are simply paid out from your reverse mortgage - having one does not disqualify you.

Yes - a HELOC
Yes - a second mortgage
No
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Who is on the title of your home?

Everyone on title must be 55 or older and will need to sign.

Just me
Me and my spouse or partner
Me and one of my children
Me and someone else
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What is your date of birth?


Month
select month
Day
select day
Year
select Year
Continue

Required to verify identity — NO CREDIT check is triggered by this
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What is your gender?

Select the option that best describes how you use this home

Male
Female
Prefer not to say
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Co-owner's First Name

Continue
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Co-owner's Last Name

Continue
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Co-owner's Date of Birth

The age of the youngest owner determines how much you can access.

Month
select month
Day
select day
Year
select Year
Continue
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Co-owner's gender

Lenders calculate the amount from the younger owner, so we need this for both of you.

Male
Female
Prefer not to say
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Co-owner's Phone Number

Continue
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Co-owner's Email Address

It must be different from yours.

Continue

Required to verify identity — NO CREDIT check is triggered by this

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How did you find us?


Optional — this helps us serve you better


Referred by one of our agents
Referred by a real estate agent
Referred by a friend or family member
Google or another search
Facebook or Instagram
Online ad
I am a returning client
Other
Continue
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Which agent referred you?

 

If you don't remember the name, just type None.

Continue
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Your contact information

Get my rate quote
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REVERSE MORTGAGE

A way to access the equity in your home without selling it, and without monthly mortgage payments. If you are 55 or older and own your home, a reverse mortgage turns part of what your home is worth into tax-free cash - and you stay in your home. 
 
You choose how you take the money: one lump sum, or some now with more available later.* 

Key things to know about a reverse mortgage:
  • You keep ownership and title of your home. The lender never owns it.

  • No monthly mortgage payments are required. The loan is repaid when you sell, when you move out, or from your estate.

  • The money you receive is tax-free, and it does not affect your OAS or GIS.

  • You don't need to qualify on income or employment the way you would with a regular mortgage.

  • Any existing mortgage or home equity line of credit (HELOC) is paid out from the proceeds, which frees up your monthly cash flow.

*How much you can access depends mainly on the age of the youngest owner on title, along with your home's value, type and location. Interest accrues on the balance, so the amount owing grows over time and the equity left in your home is reduced. Costs typically include an appraisal, independent legal advice, and a lender setup fee. In Canada you must get independent legal advice before signing - we think that is a good thing, and we will walk you through it. A reverse mortgage is not right for everyone. Talk to us and we will tell you honestly if it is not right for you.
Senior homeowner with family

Ready to see what you could access?


This takes about 3 minutes. There is zero credit impact.










See what your home's equity could give you with Dominion Lending Centres 

Find out how much you may qualify for.

This takes about 3 minutes and there is zero credit impact.








IMPORTANT PRIVACY NOTICE: YOUR INFORMATION WILL NOT BE SOLD

Most mortgage websites sell the information they collect to multiple banks and lenders.

We don't. You’ll get connected with one of our licensed team members and YOU can decide the next steps.





 



Dominion Lending Centres Inc. is committed to providing you with excellent service and maintaining a high level of security and respect for your right to privacy.