Reverse Mortgage
Enjoy your retirement in the home you love.
Access Your Home Equity Without Selling
You are 55 years or older and a significant portion of your wealth is tied up in your home? A reverse mortgage allows you to access this value — without selling, without moving, and without mandatory monthly payments. My role: to clearly explain how it works, including its advantages and limitations, so you can make an informed decision.
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How Does It Work?
A reverse mortgage allows homeowners aged 55 and over to borrow up to 55% of their property's value. What sets it apart from a traditional loan:
No monthly payment required. The loan and interest are repaid only when you sell the home or leave your property. Your retirement budget can breathe easier.
You stay in your home. You remain the owner of your home, in your neighborhood, close to your loved ones.
The funds received are tax-free. They do not affect your Old Age Security pension or your Guaranteed Income Supplement.
You choose the formula. Lump sum, regular payments, or a combination of both — according to your needs.
My clients use it to supplement their retirement income, cover healthcare costs, adapt their home, pay off debts, or simply enjoy life — travel, spoil the grandchildren, complete postponed projects.
Let's Talk, No Pressure
A free, no-obligation meeting, alone or accompanied by your loved ones, is enough to understand your options and do the calculation for your situation. You will then make your decision at your own pace.
Mélanie LarinMortgage broker
Multi-Prêts Hypothèques
468, chemin de la Grande-Côte, Saint-Eustache (Québec) J7P 1J4
Autorité des Marchés Financiers (AMF) member # 253199