Living Legacy · A division of Homeyer Mortgage Collective
Reverse mortgages for Canadian homeowners 55+
Access the equity in your home without selling, without moving, and without monthly payments. We walk through every alternative first. If a reverse mortgage is the right fit, we handle it through Living Legacy, where the conversation is built around the realities of retirement income and long-term planning.
Free. No obligation. Takes 60 seconds.
Get started
See what you could qualify for
Get a sense of what your home could do for you. Tell us a few things about your home, and we’ll send a personalized estimate within 24 hours.
- ✓Free. No obligation.
- ✓Personalized to your age, city, and home value.
- ✓You’ll get a real human follow-up, not a form letter.
What you should know
Four things that matter
You keep your home
A reverse mortgage is a loan secured by your home, but you stay in it. You remain the owner. You keep the title. Nothing changes about where you live.
No monthly payments
Unlike a traditional mortgage, there are no monthly payments required. The loan is repaid when you sell, move out, or the last borrower passes away.
You’ll never owe more than it’s worth
Canadian reverse mortgages include a no-negative-equity guarantee. You will never owe more than the fair market value of your home.
No tax on your equity
Reverse mortgage funds are a loan, not income, so there’s no personal income tax or capital gains tax. Whether you receive a lump sum or scheduled payments, the money is yours, tax-free.
Simple process
How it works
A real conversation, not a sales pitch
Call us or book online. We’ll listen to your story, understand your goals, and explain your options in plain, honest language.
We explore every option for you
We’re approved to work with all major Canadian reverse mortgage lenders, so we compare every option available. You get the best fit, not just the first fit.
A plan built around you
We build a customized solution around your situation. Once you’re comfortable, we handle the paperwork and guide you through every step.
You receive your funds
Choose a lump sum, scheduled payments, or a combination. The money is yours to use however you wish. No monthly payments, ever.
Free guide
The Living Legacy guide to reverse mortgages in Canada
Everything you and your family need to know, in plain language. Designed to read together.
- ✓What a reverse mortgage is, and isn’t
- ✓Who qualifies and how much you can access
- ✓The biggest myths, debunked
- ✓How to talk about it with your family
Send me the guide
We’ll email it instantly. You’ll get the PDF and one short follow-up note from Andrew.
Common questions
Questions? We’ve heard them all.
Articles
Read more on reverse mortgages
Reverse Mortgages
BC's Property Tax Deferment Just Got More Expensive. Read This Before You Apply for 2026.
The 2026 changes to BC's Property Tax Deferment Program raise the rate, switch to monthly compounding, and grandfather old deferrals at the lower rates. Here's what that means for you.
Reverse Mortgages
What Is a Reverse Mortgage?
A plain-language explanation of how reverse mortgages work in Canada.
Talk to a real human about it
A 30-minute call, no pressure, no jargon. We’ll explain your options, including the ones that aren’t a reverse mortgage.