Give While You Can Watch Them Smile.
Your children are trying to afford a home in one of the most expensive markets in Canadian history. Your grandchildren are staring down the cost of university. You built the equity. You have the means to help — and you don't have to sell, downsize, or wait until you're gone.
"I didn't want my daughter to get the money after I was gone. I wanted to see her face when she got the keys."
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.
The Gap No One Talks About
You want to help. Your CPP and OAS don't leave room for it. Your home equity does.
$1.1M
Average Toronto home value
First-time buyers need $220,000+ for a 20% down payment in most Ontario cities. The average age of a first-time buyer is rising every year. Without family help, many will never own.
$105K
Average university cost, 4 years
Tuition, housing, and living costs for a four-year degree now exceed $100,000. Student loans follow graduates for a decade. Grandparents who can help — change that story.
$0
Inheritance average wait: 11 years
Canadian inheritances now arrive at an average age of 58 — when heirs are already past their prime buying years. A gift given at 28 or 35 makes a generation-defining difference.
Your Equity. Their Future. Today.
You access a portion of the equity in your home. The funds arrive tax-free. You give what you choose, when you choose. No monthly payments required — ever.
Free Consultation with Rick
Rick reviews your home value, age, and how much you want to access. No income proof. No credit check. Qualification is based entirely on your age and home equity.
Receive Your Tax-Free Funds
Choose a lump sum — to gift to a child for a down payment, cover a grandchild's tuition, or support a family member in need. Funds arrive in your account, tax-free.
Give on Your Own Terms
The gift is yours to give how and when you choose. No bank is involved in your family decisions. You stay in your home with no monthly payments, watching your legacy take shape.
The Benefit Most Seniors Miss
Reverse mortgage proceeds are classified as loan advances — not income. This means they do not reduce your OAS, do not trigger a GIS clawback, and are not reported on your tax return. A senior receiving the Guaranteed Income Supplement can use a reverse mortgage to fund a family gift without losing a single dollar of their supplement. This is the most underused advantage of the product.
Real Ontario Families. Real Living Gifts.
Illustrative examples based on typical Ontario client profiles. Individual results vary.
Helen T.
Barrie, ON · Age 72
Home Value
$720,000 home
Unlocked
$120,000
"Helen's daughter had been saving for 7 years but was still $80,000 short of a down payment. Helen used her reverse mortgage to bridge the gap. Her daughter bought her home in March. Helen was there the day she moved in."
Down payment for daughter's first homeFrank & Gloria
London, ON · Ages 69 & 67
Home Value
$590,000 home
Unlocked
$85,000
"Frank's grandson was accepted to engineering at Western. The tuition and residence costs were beyond what the family could manage with OSAP alone. Frank and Gloria funded three years of university — and watched him graduate."
Grandchild's university — 3 years fully fundedMargaret S.
Oshawa, ON · Age 74
Home Value
$580,000 home
Unlocked
$65,000
"Margaret's son had been struggling with his small landscaping business through two difficult winters. A single call to Rick, and six weeks later, her son had the operating capital he needed to keep the business alive. The loan is interest-free between them."
Capital for son's small business*Illustrative examples. Not actual client data. Individual results vary.
Living Gift vs Waiting for the Estate
The money may be the same. The experience is completely different.
| Factor | Living Gift Now | Estate Inheritance |
|---|---|---|
| When they receive it | Today — when they need it most | On average, age 58 — after their prime buying years |
| Timing control | Entirely yours — your decision | Subject to probate, estate administration, legal process |
| Tax impact | Tax-free for you and your family | Probate fees up to 1.5% in Ontario (on the whole estate) |
| Your OAS/GIS | Zero impact — proceeds are loan advances | Not applicable (you are no longer alive) |
| What you witness | You see the house. You see the graduation. You're there. | You are not there to see it. |
| Impact on your estate | Loan balance repaid from proceeds at sale | Full home equity (minus costs) passes to heirs |
Calculate Your Available Gift
Adjust your home value and age to see what you may be able to access. 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 — FreeCall Rick — 416-473-9598Need Access to More?
In certain circumstances, it may be possible to access up to 80% of your home's value through specialized financing options. Every situation is different — call Rick to understand all the options available to you.
Not quite your situation?
Explore Every Scenario
Ontario homeowners 55+ use reverse mortgages for very different reasons. Find the one that fits yours.
Aging in Place
Fund home modifications to stay where you belong
See how →Debt Consolidation
Eliminate payments the bank won't help you clear
See how →Retirement Cash Flow
Top up your CPP and OAS with tax-free monthly income
See how →Living Legacy
Help your family now — don't wait for the estate
Learn More About Reverse Mortgages
Retirement Cash Flow
Top up your CPP and OAS with monthly tax-free income and stop watching your savings decline.
Learn more →Debt Consolidation
Eliminate your mortgage and debt payments. Start retirement with a clean slate.
Learn more →Aging in Place
Fund home modifications to stay safely in the home you love — with no monthly payments.
Learn more →Tax Implications in Canada
Everything you need to know about how a reverse mortgage affects your taxes and government benefits.
Learn more →Living Legacy — Frequently Asked Questions
Don't Let the Moment Pass
The equity is there. Your family needs it now. Rick will walk you through exactly what's possible — with no pressure, no jargon, and no commitment required.
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.
Or reach Rick directly: 416-473-9598