Reverse mortgages

Get your free estimate

Use our reverse mortgage calculator to see how much tax-free^* cash you may qualify for—in minutes.

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Open until 8:00 p.m. ET

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How our calculator works

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Get your estimate

See how much you’re eligible to borrow.
Select your funding options

Tell us how you’d like to receive your funds and your preferred rate.
See your home equity forecast

See how much equity you could retain over time.

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Strong safeguards

Our ‘no negative equity guarantee’ ensures you’ll never owe more than the fair market value of your home¹.

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Your home is 100% yours

Retain full ownership and control of your home¹, while tapping into your hard-earned equity.

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Tax-free^* cash

Unlock up to 59% of your home equity, tax-free^*, to help meet your needs.

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No monthly payments required

Enjoy the freedom of not having to make monthly mortgage payments.

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See a better rate?

We’ll beat any rate posted for a comparable reverse mortgage in Canada^** .

Call today 1-866-576-0374

Ready to tap into your tax-free^* cash?

Get an estimate in minutes.

Get my free estimate

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Common questions answered

Why should I choose a reverse mortgage from Equitable Bank?

We believe in offering more inclusive and flexible lending options for Canadians from all walks of life—and we think older Canadians deserve better, kinder solutions and service. Our dedicated reverse mortgage specialists will give you personalized guidance that’s focused on your best interests. Plus, to ensure you get the most from your reverse mortgage, if you see a better rate posted elsewhere in Canada, we’ll beat it^**.

How much equity will I have left?

At any time, the remaining equity on your home will depend on the difference between your home’s current value and the amount owing on the reverse mortgage. Use our free calculator to project what your home equity could look like.

Can I make payments on my reverse mortgage, if I wish?

You can. Although no regular payments are required until the reverse mortgage becomes due, you have the benefit of prepayment privileges. This allows you to prepay your principal or interest without being subject to a prepayment charge (which can be calculated here). Of course, certain conditions must be met.

When do I pay back my reverse mortgage?

The due date of your reverse mortgage is established on the occurrence of the earliest of any of these events:

Sale or transfer of the property
Default
When the last borrower moves into a long-term care or retirement residence
When the last borrower passes away

For more details, visit our full reverse mortgage FAQ.

^* Equitable Bank does not offer tax advice. Please consult your financial advisor to discuss the tax-free benefits of a reverse mortgage.

^** Equitable Bank regularly monitors the posted rates of its reverse mortgage competitors. If the rate posted on a competitor’s website for a comparable reverse mortgage product in Canada is lower than ours on the date of your application, we will offer you a better rate. All applications are subject to Equitable Bank’s standard lending guidelines, practices and approval criteria. If you submit your application on a non-business day, we will compare rates as posted on the following business day. New originations only. Promotions excluded.

¹ Subject to borrowers meeting their mortgage obligations. Must keep property taxes and home insurance paid and current, maintain property, and keep current all mortgage obligations. No negative equity guarantee excludes any fees and interest accrued after mortgage due date.

^† Save $995 on the reverse mortgage set-up fee. Available on new reverse mortgage applications only, submitted between January 15, 2026 - February 15, 2026, and that fund within 30 days of application submission. Promos are subject to borrowers meeting the Equitable Bank mortgage lending criteria and are subject to change without notice. Cannot be combined with any other offer or discounts.