Real Retirement, Real Freedom™
20+
Years helping homeowners
100+
Satisfied reverse mortgage clients
80k+
People Helped
WHAT IS A REVERSE MORTGAGE?
A reverse mortgage is a specialized home financing option available to Canadian homeowners aged 55 and older. It allows eligible homeowners to access a portion of their home’s equity as tax-free cash, without the need for regular monthly mortgage payments.
Unlike traditional borrowing, repayment is generally deferred until the home is sold or the estate is settled.
No monthly payments
Tax-free cash
You keep home ownership
Available for homeowners 55+
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Helping You Understand Reverse Mortgages in Canada
We provide educational, unbiased guidance to help Canadian homeowners aged 55 and older better understand how a reverse mortgage works and when it may be a suitable option. Our focus is on clarity, explaining the structure, costs, benefits, and potential limitations of reverse mortgages within the Canadian regulatory framework. As an independent CCRMC™ certified reverse mortgage broker in Canada, we help you evaluate your options and make informed decisions about your retirement.
WE WANT YOU TO KNOW:
Enjoy Greater Financial Flexibility in Retirement
You’ve built significant equity in your home over the years. A reverse mortgage allows you to access that value while continuing to live in your home, helping you improve cash flow and maintain independence throughout retirement.
Stay in the Home You Love
Continue living in your home while retaining full ownership. A reverse mortgage lets you access your equity without the need to sell or downsize.
Access Tax-Free Cash From Your Equity
Receive funds as a lump sum, scheduled advances, or ongoing income. Use the money for retirement expenses, debt repayment, or anything you need.
No Monthly Mortgage Payments
Free up your monthly cash flow by eliminating regular mortgage payments. You remain responsible only for property taxes, insurance, and home maintenance.
Meet Your Reverse Mortgage Broker
Our team provides clear, independent guidance to help Canadian homeowners make informed decisions about reverse mortgages and retirement planning.
Ron De Silva, CPMB, CCRMC
MORTGAGE BROKER
Ron De Silva is a mortgage broker and the Founder & CEO of Real Mortgage Associates Inc., an independent mortgage network established in 2006. Under his leadership, the company has grown to support more than 350 mortgage professionals across Canada. Ron and his team have helped thousands of homeowners navigate major financial decisions, including families using reverse mortgages as part of their retirement strategy.
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Anne Doyle
MORTGAGE AGENT LEVEL-1
Anne Doyle has been a licensed mortgage agent since 2017 and works closely with Ron, supporting mortgage professionals. She is a client care coordinator who guides them through the process and ensures client follow-up.
What We Offer as Your CCRMC™ Certified Reverse Mortgage Broker
We provide independent, education-focused support to help you understand your reverse mortgage options and make the right decision for your retirement. Our goal is to give you clarity, compare available solutions, and guide you through the process with confidence.
Independent Reverse Mortgage Consultation
Speak with an experienced reverse mortgage broker from the comfort of your home (not virtually), who will review your goals, explain how a reverse mortgage works, and determine if it’s the right fit for your situation.
Unbiased Comparison of Options
We compare available reverse mortgage solutions in Canada, helping you understand differences in features, costs, and flexibility before making a decision.
Access to Multiple Reverse Mortgage Lenders
As an independent broker, we work with all the reverse mortgage lenders in Canada and help you evaluate available options, rather than being limited to a single provider.
Clear Explanation of Costs and Structure
We walk you through interest rates, repayment structure, and long-term considerations so you know exactly what to expect.
Personalized Retirement Guidance
Every homeowner’s situation is different. We tailor our recommendations based on your financial needs, goals, and home equity.
Add a In-person Support From Start to Finish
From the initial consultation to application and completion, we guide you through every step of the reverse mortgage process with personalised, in-person support at your home.
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Why Do Homeowners Explore Reverse Mortgages?
Homeowners often research reverse mortgages when they want to:
Improve retirement cash flow
Eliminate existing mortgage payments
Cover rising living or healthcare expenses
Access home equity without downsizing
Reduce reliance on investment withdrawals
A reverse mortgage is not suitable for everyone, and understanding how it fits into long-term planning is essential.
Understanding Costs, Rates, and Structure
Reverse mortgages in Canada are regulated financial products with defined structures, costs, and consumer protections. Understanding interest rates, fees, and repayment terms is critical before considering any mortgage option.
As a trusted reverse mortgage broker in Canada, we explain these details clearly, including how interest accrues, what costs to expect, and how penalties work in different scenarios.
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Reverse Mortgage Advice: In-Person, Not Just "Online"
GET ONE-ON-ONE REVERSE MORTGAGE ADVICE FROM AN INDEPENDENT CCRMC™ CERTIFIED BROKER
Choosing a reverse mortgage is a significant milestone. You deserve more than a virtual meeting. Ron De Silva provides expert, independent brokerage services exclusively in-person, ensuring you have the clarity and confidence to move forward.
The Advantage of an At-Home Consultation:
No Technology Barriers:
Has trouble latching or feeding on one side
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Side-by-Side Comparison:
Ron will help you compare multiple lender options on your terms.
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Comprehensive Review:
We cover costs and eligibility thoroughly, ensuring nothing is "lost in translation."
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Unbiased & Independent:
Guidance that prioritizes your retirement security over lender quotas.
By addressing these common pregnancy concerns, our chiropractic care helps you move through each stage with greater comfort, confidence, and calm.
Free Consultation
Zero Obligation
100% Confidential
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Customer Testimonials
John (72), Linda Matthews (70) Hamilton, ON
“Seeing the Impact While We’re Still Here”
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David (68)
Burlington, ON
“It Gave My Retirement Room to Breathe”
Betty (74)
Oakville, ON
“I Didn’t Have to Choose Between My Family and My Retirement”
Karen Wilson (45), Evelyn Wilson (78)
Hamilton Mountain, WA
"Helping My Mom Stay Where She Belongs”
Estimate Your Reverse Mortgage Amount in Canada
Use our reverse mortgage calculator to get an estimate of how much home equity you may be able to access. It’s a quick and simple way for Canadian homeowners aged 55+ to understand their potential borrowing amount before speaking with a reverse mortgage broker.
Estimate available home equity
See the potential tax-free cash amount
Understand your borrowing range
No obligation or credit check required
Designed for Canadian homeowners. 55+
Get a quick estimate, then speak with an independent reverse mortgage broker to review your results and explore your options.
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How a Reverse Mortgage Works in Canada
A reverse mortgage allows homeowners aged 55+ to borrow against their home equity while continuing to live in the property. Instead of making monthly mortgage payments, the loan balance is typically repaid later when the home is sold, you move, or the estate is settled.
Determine Eligibility
You must be age 55 or older and own a home in Canada. The amount available depends on your age, property value, and location.
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Access a Portion of Your Home Equity
You can borrow a percentage of your home’s value and receive the funds as a lump sum, scheduled advances, or a combination.
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No Monthly Mortgage Payments
There are no required monthly mortgage payments. You continue to cover property taxes, insurance, and home maintenance.
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Continue Living in Your Home
You retain ownership and can stay in your home as long as it remains your primary residence.
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Repayment Happens Later
The reverse mortgage is typically repaid when you sell your home, move, or the estate is settled. The remaining equity belongs to you or your estate.
Explore The Information
If you’re researching reverse mortgages for yourself, a family member, or future planning, we encourage you to explore the educational resources available throughout this site.t. Click “Edit Text” to update the font, size and more. To change and reuse text themes, go to Site Styles.
Top 5 Misconceptions About Reverse Mortgages Explained
Real Success Stories: Reverse Mortgages in Canada
Understanding Reverse Mortgages: Benefits for Canadian Seniors
