Reverse mortgages

Limited-time Rebate

Save $995 on your reverse mortgage set-up fee†

Get a free estimate

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1-866-576-0374

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An Equitable Bank Reverse Mortgage is a simple way to turn some of the equity in your home into tax-free* cash.
Stay in the home you love with no monthly payments required.
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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.

Easy eligibility

Qualifying for a reverse mortgage is easier than you think.

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The youngest homeowner is at least 55 years old

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Your home’s value is a minimum of $250,000

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Your home is your primary residence

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Your home is in an eligible city/town in Alberta, British Columbia, Ontario, or Quebec

Make the most of your home’s value

Tap into your home equity to take back financial control.

Flexible advances that meet your needs

It’s your home equity—and it’s your choice how you receive your funds.

Types of advances
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See how much you 
may qualify for

Use our calculator to get your estimate in minutes—with zero obligation.

  • Find out how much tax-free* cash you could unlock
  • See what your interest rate could be
  • Explore how your home equity may change over time

Get my free estimate

See a better rate?

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

Call today 1-866-576-0374

Breathe easy

We know a reverse mortgage is a big decision. Here are some helpful assurances:

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Any increase in your home’s value is yours to keep1.

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You’ll still benefit from your federal retirement benefits.

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You’ll never owe more than your home is worth1.

Read our blog post for more facts around reverse mortgages.

Useful resources

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Common questions answered

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** .
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.
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.

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.