Real Mortgage Associates (RMA)|Lic. #M08009007|RMA #10464
Real Ontario Seniors. Real Results.

Their Stories Could Be Yours

Hiking the Rockies. Dancing in the kitchen. Vacationing on the coast. Click any story to see how Ontario seniors 55+ are living their best retirement — funded by their own home equity.

Active Retirement

Live the Retirement You Earned

"We were worried about outliving our savings. Now we receive $875 every month, tax-free. We hike, we travel — we finally live."

R&

Robert & Barbara

Ages 68 & 65 · Ottawa, ON

$210,000

unlocked tax-free

01 / 05
🔒

Canada's No-Negative-Equity Guarantee

By law, you can never owe more than your home is worth. Every federally regulated reverse mortgage in Canada includes this guarantee — meaning you or your heirs will never be responsible for any shortfall between your loan balance and the sale price of your home. Your other assets and savings are always fully protected.

Your Home Has Been Working for You — Now Let It Pay You Back

Unlock Your Home Equity.
Live Retirement
on Your Terms.

Ontario homeowners 55+ can access a substantial portion of their home's value as tax-free cash — no monthly payments, no income check, no selling required.

No monthly payments — everTax-free cash, not incomeNo credit score requiredKeep full ownership of homeNo income verificationNo-Negative-Equity Guarantee
CHIP / HomeEquity BankEquitable BankBloom Finance+ Access to 70+ banks & lenders

416-473-9598

Call Rick directly

Nada K. — Ontario reverse mortgage client

“Rick made it incredibly simple. Best financial decision we've made in retirement.”

Nada K.  ·  Toronto, ON

30 Second Quiz

See What You Qualify For

Answer a few quick questions to get your personalized quote

Step 1 of 520% complete

Your information is secure and will never be shared with third parties.

Access to 70+ Banks & Lenders — Through DLCG Group of Companies
CHIP Reverse Mortgageby HomeEquity Bank
Equitable BankEQ Bank Reverse Mortgage
Bloom FinanceBloom Reverse Mortgage
70+ Banks & Lendersvia DLCG Group of Companies
CHIP Reverse Mortgageby HomeEquity Bank
Equitable BankEQ Bank Reverse Mortgage
Bloom FinanceBloom Reverse Mortgage
70+ Banks & Lendersvia DLCG Group of Companies
CHIP Reverse Mortgageby HomeEquity Bank
Equitable BankEQ Bank Reverse Mortgage
Bloom FinanceBloom Reverse Mortgage
70+ Banks & Lendersvia DLCG Group of Companies
CHIP Reverse Mortgageby HomeEquity Bank
Equitable BankEQ Bank Reverse Mortgage
Bloom FinanceBloom Reverse Mortgage
70+ Banks & Lendersvia DLCG Group of Companies
Interactive Reverse Mortgage Calculator

Calculate Your Tax-Free Proceeds

Adjust your home value, age, and existing mortgage to see an estimated range. Then call Rick for your exact number.

$750K
$500K$2.5M
65 yrs
5590
$

If you have an existing mortgage, it's paid off first from the proceeds.

Estimated Gross Proceeds

$165K$225K

tax-free from your home equity

Illustrative estimates only. Actual amounts depend on age, property type, location, lender, and appraisal. Contact Rick for your exact qualification.

Get My Exact Number — Free
Your Mortgage Broker

Meet Rick Sekhon

Born and raised in Richmond Hill, Ontario. 25 years in real estate and mortgage finance. One focused mission: helping Ontario seniors access the equity they've earned.

Rick Sekhon — Licensed Mortgage Broker, Ontario
🍁

DLCG Group of Companies

Real Mortgage Associates (RMA)

One of Canada's largest publicly traded mortgage companies

Lic. #M08009007RMA #10464Ontario-Wide

Real Mortgage Associates (RMA)  ·  DLCG Group of Companies

One of Canada's largest publicly traded mortgage companies — giving clients access to the widest range of lenders and products in the country.

Rick Sekhon was born and raised in Richmond Hill, Ontario, in a hardworking middle-class family where discipline, integrity, and accountability were foundational values. As a youth member of the Royal Canadian Air Cadets, he developed a deep respect for leadership, structure, and service — principles that continue to guide his professional approach today.

Rick's career in real estate and mortgage finance spans 25 years. He began as a licensed real estate professional before transitioning full time into mortgage brokering about 20 years ago, where he found his true calling: helping Ontarians structure and navigate complex financial decisions with clarity and confidence.

Over the years, Rick became a top-producing mortgage agent recognized across Canada for performance and leadership. He built and led high-performing teams and was a founding partner in Broker One what is now RMAI — a national brokerage platform supporting more than 300 agents and a part of the publicly traded, DLCG Group of Companies arguably the most influential mortgage powerhouses in Canada.

“Team Rick Sekhon combines boutique, personalized advisory service with the stability, compliance oversight, and institutional scale of a national public organization. His clients benefit from both personal attention and enterprise-level support.”
25 years in real estate and mortgage finance
Founding partner of Broker One (now RMAI)
Registered with Real Mortgage Associates (RMA), DLCG Group of Companies
Access to more than 80 banks and institutional lenders across Canada — including every reverse mortgage product available
Boutique personalized services backed by a publicly traded company

Want to Discuss Your Options Personally?

Schedule a free, no-obligation meeting with Rick at a time that works for you.

🏦Real Mortgage Associates (RMA) · DLCG Group
🔒Canada's No-Negative-Equity Guarantee
📋Free Consultation — No Obligation
🍁Serving All of Ontario
Your Retirement. Your Choice.

What Would You Do With Your Home Equity?

Ontario homeowners 55+ are unlocking their equity to live retirement exactly as they imagined — on their own terms.

Stay in the Home You Love

Home Improvement & Renovations

Make the modifications you need — a grab bar here, a stair lift there — to live safely and independently in the home you've spent a lifetime building.

Wipe Out Debts

Cash Flow Savings

Pay off your mortgage or wipe out credit card debt. Wake up every morning knowing there are no monthly payments hanging over your retirement.

See the World

Travel & Enjoy

Take that trip to Portugal. Visit the grandchildren in Vancouver. Do the things you've been putting off — while you still have the energy to enjoy them.

Supplement Your Income

Tax-Free Cash

Top up your CPP and OAS with tax-free scheduled payments. Cover prescriptions, healthcare, and everyday costs — without touching your savings.

Help Your Family

Gift a Living Inheritance

Give your children or grandchildren a head start on a down payment — or simply be there when they need it most. A gift given now means more than an inheritance later.

Peace of Mind

Rainy Day Funds

Have money available for whatever life brings — an unexpected medical bill, a repair, a rainy day. That feeling of financial security in retirement is priceless.

Free Instant Estimate

How Much Could You Unlock?

Answer two quick questions to see your estimated tax-free amount. No personal information required.

Step 1 of 2

What is your home approximately worth?

Step 2 of 2

How old are you (or the youngest homeowner)?

Complete both steps above to see your estimate

* Illustrative estimates only. Actual amounts depend on age, property type, location, and lender. Amounts vary — contact Rick for your exact qualification.

!

Need Access to More Than a Standard Reverse Mortgage?

In certain circumstances, it may be possible to access up to 80% of your home's value through other specialized financing options. Every situation is different — call Rick to understand all the options available to you.

Call Rick Now

Simple. Straightforward. On Your Schedule.

From your first call to funds in your account, the entire process is designed to be easy — and completely on your terms.

01

Free Consultation with Rick

Call or send a message. Rick reviews your situation personally — no call centres, no pressure, no jargon. He answers every question until you feel fully comfortable.

02

Receive Your Tax-Free Funds

Choose a lump sum, scheduled monthly payments, or a combination. The money arrives in your bank account — tax-free, and never affecting your OAS, CPP, or GIS.

03

Live in Your Home — No Payments

Stay in your home for as long as you choose. No monthly payments. Ever. The loan is only repaid when you sell or your estate settles — protected by Canada's No-Negative-Equity Guarantee.

Who Qualifies for an Ontario Reverse Mortgage?

Qualifying is straightforward. Unlike traditional mortgages, there is no income verification, no employment check, and no minimum credit score required.

  • You are 55 years of age or older
  • All registered homeowners are 55+
  • You own your primary residence in Ontario
  • Your home has significant equity
  • The property is your principal residence

Typical Loan Amounts

$600,000 home

Age 60

Up to $228,000

$800,000 home

Age 68

Up to $368,000

$1,000,000 home

Age 75

Up to $550,000

*Estimates only. Actual amounts vary by lender, property type, and location.

Get Your Free Estimate
No Call Centres. No Runaround.

Prefer to Speak With
a Real Person?

Rick Sekhon answers your call personally. He has helped thousands of Ontario homeowners navigate their options — with patience, honesty, and zero pressure.

Call Rick directly — a licensed Ontario broker
All questions answered — no matter how many
Free consultation, no obligation to proceed
Serving homeowners across all of Ontario

Call Rick Directly

416-473-9598

Monday – Friday, 9am – 6pm ET

Book a Call with Rick

Or send Rick a message

Real Ontario Client Outcomes

What Ontario Seniors Have Unlocked

Examples of how Ontario homeowners 55+ have used a reverse mortgage to improve their retirement.

MK

Margaret K.

Toronto, ON · Age 71

Home Value

$875,000 home

Amount Accessed

$280,000 unlocked

Paid off remaining $145,000 mortgage. Now saves $1,400/month — no more mortgage payments in retirement.

Debt Relief
RB

Robert & Barbara

Ottawa, ON · Ages 68 & 65

Home Value

$720,000 home

Amount Accessed

$210,000 unlocked

Receives $875/month in scheduled payments to supplement CPP and OAS. Fully funded a bathroom accessibility renovation.

Cash Flow + Aging in Place
PL

Patricia L.

Hamilton, ON · Age 74

Home Value

$610,000 home

Amount Accessed

$195,000 unlocked

Eliminated $38,000 in credit card and personal loan debt. Used remaining funds to install a stair lift and accessible shower.

Debt Relief + Aging in Place

*Illustrative examples based on typical Ontario client profiles. Individual results vary. Not actual client data.

Not Sure a Reverse Mortgage Is Right for You?

Rick offers a full range of mortgage solutions for every stage of life — refinancing, purchases, renewals, and more.

Explore All Mortgage Options

What Our Clients Say

Trusted by Ontario homeowners across the province

"Rick walked us through every step with patience and honesty. We were nervous at first but he made sure we understood exactly what we were signing. The process took less than 6 weeks and we have no regrets."

Nada K.

Nada K.

Mississauga, ON

"I was skeptical after hearing so many myths. After one conversation with Rick, everything was clear. We used the funds to pay off our line of credit and finally feel free in retirement."

Gordon H.

Gordon H.

Kingston, ON

"We wanted to stay in our home and needed money for renovations. Rick found us the best rate and we had funds in under 45 days. Our home is now fully accessible and we couldn't be happier."

Sandra & Neil

Sandra & Neil

Burlington, ON

Reverse Mortgage Ontario — Frequently Asked Questions

Connect With Rick

Follow for reverse mortgage tips, client stories, and Ontario market updates

Ready to Learn More?

Get the free Ontario Reverse Mortgage Guide instantly — no cost, no obligation, no sales pressure. Or reach Rick directly: 416-473-9598.

30 Second Quiz

See What You Qualify For

Answer a few quick questions to get your personalized quote

Step 1 of 520% complete

Your information is secure and will never be shared with third parties.

416-473-9598