Unlock the Power of Your Home’s Equity with a Reverse Mortgage

Are you 55 or older and looking for a way to unlock your home’s equity while still living in it? A reverse mortgage in Canada could be the perfect solution. At Genesis Group, we specialize in helping homeowners like you achieve financial freedom with tailored reverse mortgage options. Whether you’re planning for retirement, covering unexpected expenses, or simply improving your cash flow, our award-winning team is here to guide you every step of the way.

Key Benefits of a Reverse Mortgage with Genesis Group

  • 🏠 Stay in Your Home: Access your home’s equity without having to sell or move.
  • 💵 Tax-Free Funds: The money you receive is tax-free and can be used for anything you need.
  • 🔒 Flexible Payment Options: Choose how and when to repay the loan, with no mandatory monthly payments.
  • 🤝 Trusted Expertise: Work with our experienced team to find the best solution tailored to your needs.
  • 📈 Preserve Investments: Use your home equity to avoid cashing out investments during market downturns.

How It Works (Step-by-Step Guide)

  • Book a Free Consultation:
    Speak with one of our experts to determine if a reverse mortgage is the right option for you.

  • Determine Your Eligibility:
    Provide basic details such as your age, home value, and mortgage balance.

  • Explore Your Options:
    Receive personalized reverse mortgage options tailored to your financial goals.

  • Unlock Your Equity:
    Access funds quickly and begin enjoying financial peace of mind.

Reverse Mortgage Calculator

Reverse mortgages are one of the most searched mortgage products in Canada, especially for homeowners aged 55 or older. Use our step-by-step calculator below to see how much tax-free cash you could access from your home’s equity.

  1. Step 1: Enter your home details (e.g., property value, outstanding mortgage, and your age).
  2. Step 2: Adjust the fields to explore different loan options and see your potential loan-to-value (LTV) range.
  3. Step 3: Review how much tax-free cash might be available to you through a reverse mortgage in Canada.

Why Choose Genesis Group for Your Reverse Mortgage Needs?

  • Award-Winning Expertise: Our team has a proven track record of helping homeowners achieve their financial goals.
  • Comprehensive Guidance: We simplify the process, ensuring you understand all your options.
  • Canada-Wide Solutions: No matter where you live in Canada, we’ve got you covered.
  • Transparent Service: No hidden fees or surprises—just honest advice and support.

For more information on reverse mortgages, visit the Government of Canada’s Senior Home Equity Guide.

Discover the Key Benefits of Choosing Mortgage Purchase
with Genesis Group.

⭐⭐⭐⭐⭐ Experience Guaranteed

  • Had a great experience dealing with Brittney. Fantastic communication and really worked for me and my needs. Will never go anywhere else for my financial needs

    Mark Winter Avatar Mark Winter
    11/13/2024

    The Genesis Group exceeded my expectations! Purchasing an investment can be a scary process especially during this unprecedented time. I had the pleasure of working with Kirk and his assistant... read more

    S T Avatar S T
    01/13/2023

    My partner and I have been in our first home for over a month now and we cannot thank Kirk and The Genesis Team enough! Kirk was patient, professional, supportive,... read more

    stephanie B Avatar stephanie B
    01/13/2023
  • Was a great experience working with Kirk and his team. They not only helped me refinance my mortgage on my house, they also assisted me in a commercial business acquisition.... read more

    Sean P. Avatar Sean P.
    02/21/2024

    From the very first meeting to the joyous moment of receiving my keys, The Genesis Group, under the astute leadership of Kirk Bryan, has been nothing short of spectacular in... read more

    Rohan Germain Avatar Rohan Germain
    01/13/2024

    If getting a mortgage was an Olympic sport, these guys would take gold—blindfolded, on a unicycle, while juggling flaming swords. They made the process so smooth, I was half convinced... read more

    Samantha L Avatar Samantha L
    09/13/2024
  • My husband and I had used Kirk and his team upon closing a deal on our home. We couldn’t be more happy with everything Kirk and Brittney have done for... read more

    Laura Vescio Avatar Laura Vescio
    11/13/2024

    Could not say enough about The Genesis Group. The level of dedication, professionalism, and knowledge is unmatched. When dealing with such a big life decision like buying a house -... read more

    Maria Woychyshyn Avatar Maria Woychyshyn
    11/13/2024

    I had a great experience with The Genesis Group. The process was smooth, with clear communication and competitive rates. Their team was responsive and helpful throughout. Highly recommend!

    Breanna Bacik Avatar Breanna Bacik
    09/13/2024
4.6
Based on 35 reviews
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Gain access to our vast network of 65+ lenders offering tailored residential mortgages to suit your financial needs.

Ready to unlock your home’s equity and enjoy financial peace of mind? Contact us today for a free consultation!

Frequently Asked Questions

What is a reverse mortgage?

A reverse mortgage allows homeowners aged 55 and older to access a portion of their home’s equity without selling their property.

Canadian homeowners aged 55+ with significant home equity are eligible for a reverse mortgage.

You can typically access up to 55% of your home’s value, depending on factors like your age and property location.

No, the funds you receive from a reverse mortgage are tax-free.

There are no mandatory monthly payments. The loan is repaid when you sell your home, move, or pass away.

You retain full ownership of your home with a reverse mortgage.

Simply book a free consultation with our team to explore your options and begin the process.

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5 Year - Variable

4.45%

This exclusive rate is available for High Ratio Mortgages and applies to both new purchases and some mortgage switches. With a guaranteed rate of Prime -1.00%, you’ll enjoy the freedom to make extra payments or increase your monthly payments by up to 20% per year.

And the best part? This is a full-frills mortgage—no hidden surprises or restrictive clauses like a bona fide sales clause!

Prime Rate @ 5.45%

4.45% - 5.50%

If you don’t qualify for our lowest advertised rate, don’t worry! We have other competitive options tailored to your needs. Factors such as your credit score and home equity will determine your final rate.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

5 Year - Open

4.95%

Enjoy a rate discount starting from Prime -0.50% for your term. This 5-year Adjustable Rate Mortgage (ARM) offers unmatched flexibility: pay it, lock it, break it, or change it—with no restrictions or penalties.

Perfect for insured, insurable, and uninsured new purchases and switches, this option is available for owner-occupied properties only.

Prime Rate @ 5.45%

4.95% - 6.75%

If you don’t qualify for our lowest advertised rate, don’t worry—there are still excellent low-rate options for you! Your final rate depends on factors such as your credit rating and home equity.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

5 Year - Fixed

4.24%

Lock in this competitive rate for High Ratio purchases! Enjoy the flexibility of making up to 20% lump sum payments annually, plus the option to increase your regular payments by up to 20%—perfect for managing your mortgage your way. Secure this rate for up to 120 days, giving you the confidence to plan ahead.

4.24% - 5.69%

Even if you don’t qualify for our lowest advertised rate, we’re here to help with a variety of competitive options designed to meet your needs. The rates above reflect realistic possibilities based on factors such as your credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

4 Year - Fixed

4.59%

Take advantage of this competitive rate available for High Ratio purchases and select Insured transfers! Enjoy the flexibility of making up to 20% lump sum payments annually and increasing your regular payments by up to 20%. This is a full-featured mortgage designed to give you the freedom and flexibility you need. 

4.59% - 6.84%

If you don’t qualify for our lowest advertised rate, don’t worry—we’ve got a variety of low-rate options to fit your needs. The rates shown above reflect realistic scenarios and are influenced by factors like credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

3 Year - Fixed

4.39%

Take advantage of this fantastic rate available exclusively for High Ratio deals! With the flexibility to make up to 15% lump sum payments annually and the option to increase your regular payments by up to 15%, this is a full-featured mortgage that adapts to your needs. Lock in this rate for up to 120 days and plan your homeownership journey with confidence.

4.39% - 5.79%

Don’t worry if you don’t qualify for our lowest advertised rate—we’ve got you covered with a range of low-rate options tailored to fit your unique circumstances. The rates above reflect realistic scenarios based on factors such as credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

2 Year - Fixed

4.84%

Lock in this competitive rate for High Ratio purchases! Enjoy the flexibility of making up to 20% lump sum payments annually, plus the option to increase your regular payments by up to 20%—perfect for managing your mortgage your way. Secure this rate for up to 120 days, giving you the confidence to plan ahead.

4.84% - 6.19%

Even if you don’t qualify for our lowest advertised rate, we’re here to help with a variety of competitive options designed to meet your needs. The rates above reflect realistic possibilities based on factors such as your credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

1 Year - Fixed

5.49%

Unlock this exclusive low rate for High Ratio purchases and Switches. Enjoy up to 20% lump sum payments annually and the flexibility to increase your payments by 20%! Plus, lock in this fully-loaded mortgage rate for up to 120 days—no hidden restrictions, just exceptional value.

5.49% - 6.99%

Even if you don’t qualify for our lowest rate, we’ve got plenty of low-rate options tailored to fit your unique situation. Your final rate depends on factors like your home equity and credit score, but with Genesis, you’ll always get the best-possible rate for your needs.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.