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.
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."
Robert & Barbara
Ages 68 & 65 · Ottawa, ON
$210,000
unlocked tax-free
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.
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.
“Rick made it incredibly simple. Best financial decision we've made in retirement.”
Nada K. · Toronto, ON
See What You Qualify For
Answer a few quick questions to get your personalized quote
Your information is secure and will never be shared with third parties.
Which Situation Is Yours?
Ontario homeowners 55+ use reverse mortgages for four very different reasons. Find your story.
Staying home isn't stubbornness. It's earned.
Fund the modifications to stay safely in the home you built your life in.
See how →You worked 40 years. Debt in retirement is not your fault.
No income proof. No credit check. Clear every payment — starting now.
See how →CPP was never meant to cover everything.
Top up your income with tax-free monthly payments that don't touch your OAS.
See how →Give now. Don't make them wait for the estate.
Help your children buy a home or fund your grandchildren's future — while you can watch them enjoy it.
See how →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.
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 — FreeMeet 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.

DLCG Group of Companies
Real Mortgage Associates (RMA)
One of Canada's largest publicly traded mortgage companies
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.”
Want to Discuss Your Options Personally?
Schedule a free, no-obligation meeting with Rick at a time that works for you.
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.
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.
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.
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.
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.
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
$800,000 home
Age 68
$1,000,000 home
Age 75
*Estimates only. Actual amounts vary by lender, property type, and location.
Get Your Free EstimatePrefer 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
416-473-9598Monday – Friday, 9am – 6pm ET
Book a Call with RickOr send Rick a message
What Ontario Seniors Have Unlocked
Examples of how Ontario homeowners 55+ have used a reverse mortgage to improve their retirement.
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 ReliefRobert & 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 PlacePatricia 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.
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.
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.
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
Burlington, ON
Explore All Reverse Mortgage Topics
Improve Your Retirement Cash Flow
Supplement your CPP and OAS, eliminate mortgage payments, and live without financial stress.
Learn more →Debt Relief for Ontario Seniors
Use your home equity to pay off high-interest debt and start your retirement debt-free.
Learn more →Age in Place in Ontario
Fund the home modifications you need to stay in the home you love, safely and independently.
Learn more →Reverse Mortgage Blog
In-depth guides, comparisons, and expert insights on reverse mortgages in Ontario and Canada.
Learn more →Reverse Mortgage vs HELOC Ontario
Compare reverse mortgages and HELOCs to find out which is right for your situation.
Learn more →Eligibility Requirements Guide
Everything you need to know about qualifying for a reverse mortgage in Ontario.
Learn more →Reverse Mortgage Ontario — Frequently Asked Questions
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.
See What You Qualify For
Answer a few quick questions to get your personalized quote
Your information is secure and will never be shared with third parties.