Access Tax-Free Cash From Your Home With ONTARIO's Independent Reverse Mortgage Experts
We compare all major Ontario lenders to find you the best deal. See how much tax-free cash you can unlock; free, no-obligation, and in just 60 seconds.
100% independent advice - we work for you, not the lenders.
Expert Advice, Tailored To You
Avoid common mistakes & potential scams
Clear, Honest Guidance with No Jargon
Won't Affect Your Government Benefits
No Monthly Payments Required
20+ Years of Ontario Mortgage Experience
It’s rare to find someone who combines deep industry knowledge with such a personal touch. They took the time to understand my needs and goals, explained every option clearly, and made sure I felt confident at each step.
Paul B.
Is a Reverse Mortgage Right for You?
You've worked hard your whole life. Now it's time to enjoy the retirement you deserve.
A reverse mortgage might be perfect if you want to:
- Enjoy your retirement without worrying about monthly payments
- Access tax-free cash to pay off debt, fund renovations or help family
- Stay in the home and neighbourhood you love and keep full ownership
- Keep your government benefits since funds are not considered income
Make the right choice for your retirement: take 60 seconds now to find out how much tax-free cash you could release from your home.
What is a Reverse Mortgage?
A reverse mortgage is a special type of home loan that lets homeowners 55+ turn a portion of their home equity into tax-free cash.
It's a way to access the value of your home without having to sell it or move.
Unlike a traditional loan, no monthly mortgage payments are required. You retain full ownership and control of your home.
The loan is simply repaid from the proceeds of the sale of the home when you or the last-surviving spouse decides to sell or moves out.
They genuinely care about the needs of their clients and their families, and they are always honest about the best course of action—even when it may not directly benefit them as a mortgage broker.
Ryan E.
How it works
Getting your reverse mortgage is simple and stress-free. Here's what to expect:
Get Your Free Estimate
Use our 60-second calculator to see how much tax-free cash you could qualify for
Get Free Expert Advice
Speak with a licensed Ontario broker to review your numbers and get clear, honest answers
Compare Your Options
We compare all major Canadian reverse mortgage lenders to find your best available rate
Get Your Tax-Free Cash
We handle all paperwork while you access your funds
SMG Mortgages go above and beyond to support their clients - what otherwise could have been a stressful time, was made smooth and supportive.
Alyssa N.
Frequently Asked QuestionS
This depends on your age, home value, and where you live in Canada. Generally, you can borrow up to 55% of your home's value. The older you are, the more you can typically borrow.
How much can I borrow?
Will this affect my government benefits?
No. Reverse mortgage money is tax-free and doesn't count as income. It won't affect your CPP, OAS, GIS, or other government benefits.
Can my spouse stay if I pass away?
Yes, if both spouses are on the mortgage. We help set this up properly so your spouse can stay in the home.
What happens to my home?
You keep full ownership of your home. You can live there as long as you want, make changes, or sell if you choose. The reverse mortgage is just a loan against your home.
What are the costs?
There are setup fees, legal costs, and interest charges. We explain all costs upfront so there are no surprises.
How does this affect what I leave my family?
A reverse mortgage will reduce your estate because the loan gets repaid when you sell or pass away. Many families find the benefits during your lifetime are worth it.
Why Choose SMG Mortgages: ONTARIO EXPERTS
We're independent reverse mortgage specialists helping Ontario seniors for over 20 years. As part of Dominion Lending Centres, Canada's largest mortgage network, we compare all major lenders to find your best available deal.
We're not tied to any bank or lender, so our advice is truly unbiased. We work for you, not them.
Ready to explore your options? Let's discuss how we can help you unlock your home's value safely and securely.
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SMG Mortgages is independently owned, providing mortgage brokerage services throughout Ontario through licensed Mortgage Agent Level II Salvo Galardini, operating under DLC Canuck Mortgage Group (License #12503).
COMPARE ALL MAJOR ONTARIO LENDERS
SMG Mortgages is totally independent and covers all major Ontario reverse mortgage lenders, aiming to find you the best available deal tailored to your personal needs.
Salvo Galardini
Mortgage Agent Level II
FSRA Mortgage Brokerage Licence #12503 | Independent member of the Dominion Lending Centres Network
FSRA Mortgage Brokerage Licence #12503 | Independent member of the Dominion Lending Centres Network
