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Reverse Mortgage

If you are a Canadian homeowner age 55 or over looking to unlock the value in your home, visit our consumer website to learn more about reverse mortgages.



If you are interested in helping your senior clients live a fulfilling retirement, visit our partner website to see how reverse mortgages can work for your clients.


There’s no place like home – especially yours. When you’ve spent years, even decades, transforming a house into a home, you've invested so much more than your hard earned money.

We understand.

We’re HomEquity Bank, the only bank dedicated solely to providing older Canadian homeowners with smart, simple options for enjoying the full value of their home in their retirement. We know that for many people over 55, retirement can be a challenge when the unexpected happens: cash flow is less than you'd planned; you want to help your kids out without tapping your savings; or major expenses pop up that you hadn't foreseen.

Don’t worry. You have options beyond a “For Sale” sign or taking on the burden of more monthly payments. For over 25 years, we've been helping people access up to half the equity in their homes with simple and secure reverse mortgage solutions. You stay in control of your finances and, most importantly, you stay in your home.

HomEquity Bank offers you options so you can plan your retirement with confidence. Enjoy all the safety and security of a Schedule 1 bank, but with a partner that understands your unique needs as an older homeowner. Choose CHIP, our well-known reverse mortgage plan, or our Income Advantage Plan for flexible ways of supplementing your income.

We know that home is about a lot more than real estate. You’ve earned the right to enjoy the true value of what you’ve invested in your home and we’re here to help you every step of the way. Discover more possibilities right at your doorstep.

Press Releases View All Releases  Read More Press Releases
What should seniors expect from the new Liberal government?

HomEquity Bank outlines planned changes for older Canadians. Canadian seniors worried about finances may be wondering what changes they can expect now that a majority Liberal government has been elected.

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Latest News View All News  Read More News
HomEquity Bank launches Mortgage Broker Direct

For the first time, mortgage brokers will be able to submit deals directly to the bank via D+H Expert upon being certified. Last year, HomEquity Bank’s broker business saw a growth of 39%, with over 1,000 mortgage brokers sending in referrals with an average deal size of $150,000.

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