Book a ConsultationYour Passport toRetire AbroadUnlock tax-free cash from your home to retire where you want—without monthly payments holding you back.Knowledge isPower!Learn how reverse mortgages work and how they can unlock the equity in your home for a more secure retirement.Home Equity,Your WayAn Equity Mortgage is a powerful alternative to a reverse mortgage for Canadians 55+ with strong assets and non-traditional income.
What is a Reverse Mortgage?
A reverse mortgage lets Canadians 55+ access home equity as tax-free cash while staying in their home — with no monthly payments, until they sell or move.
Turn Your Home Equity into Financial Freedom
Access tax-free cash without selling your home.
A reverse mortgage lets Canadians 55+ unlock up to 55% of home equity with no monthly payments, providing financial flexibility and peace of mind.
A smiling middle-aged couple with grey hair stands close together on a city street, dressed elegantly and enjoying a pleasant day out, discussing their future plans after considering an equity release.
Reverse Mortgage
Unlock home equity tax-free to fund retirement without monthly payments, keeping ownership of your home.
A smiling middle-aged couple with grey hair stands close together on a city street, dressed elegantly and enjoying a pleasant day out, discussing their future plans after considering an equity release.
Equity Mortgage
Flexible mortgage solution for Canadians 55+ to access home equity without traditional income proof. A smart alternative to reverse mortgages.
A smiling middle-aged couple with grey hair stands close together on a city street, dressed elegantly and enjoying a pleasant day out, discussing their future plans after considering an equity release.
Shared Appreciation Mortgage
Access equity with no monthly payments—repay through shared home appreciation. A flexible alternative to traditional reverse mortgages.
A smiling middle-aged couple with grey hair stands close together on a city street, dressed elegantly and enjoying a pleasant day out, discussing their future plans after considering an equity release.
Second Mortgage
Access extra funds with a second mortgage—ideal for homeowners 55+ looking to unlock equity beyond their reverse mortgage limit.
A smiling middle-aged couple with grey hair stands close together on a city street, dressed elegantly and enjoying a pleasant day out, discussing their future plans after considering an equity release.
USA Mortgages for Canadians
Mortgage solutions for Canadians purchasing U.S. property—ideal for snowbirds seeking a winter home or investment across the border.
A smiling middle-aged couple with grey hair stands close together on a city street, dressed elegantly and enjoying a pleasant day out, discussing their future plans after considering an equity release.
Retire Abroad Planning
Escape winters wisely: Use home equity to fund global retirement adventures with step-by-step expat financial & relocation support.
A smiling middle-aged couple with grey hair stands close together on a city street, dressed elegantly and enjoying a pleasant day out, discussing their future plans after considering an equity release.
Mortgage Literacy Education & Coaching
Master your home equity with plain-language coaching: Demystify mortgages, debt strategies, and retirement planning—no jargon, just confidence.
This chapter is about freedom, clarity, and purpose—not slowing down
Why Work with The Financing Factory for your Reverse Mortgage Needs?
INNOVATIVE MORTGAGE SOLUTIONS
We specialize in creative, out-of-the-box mortgage strategies that are tailored to fit your unique financial needs, ensuring you get the best options available in the market.
Client-Centric Approach
Your goals are our top priority. We take the time to understand your personal and financial situation, delivering customized solutions that put you on the path to success.
Expert guidance every step of the way
With our extensive industry knowledge and experience, we guide you through the mortgage process with confidence, making even complex scenarios simple and stress-free.
Flexible options for every borrower
Whether you’re a first-time homebuyer, self-employed, or looking for refinancing, we offer flexible solutions that adapt to your circumstances, helping you achieve your homeownership goals.
Testimonials
The Financing Factory’s patiently helped us understand reverse mortgages without pressure. We accessed $250K, tax-free, to buy our retirement property in Costa Rica – retirement perfected!
M.G.
I was nervous about ‘eating up home equity’ until the safeguards were clearly explained to me. Now I’m debt-free AND funding my grandchildren’s university RESPs. Win-win!
T.L.
We used our home equity to gift our son a down payment for his condo without impacting our retirement fund. Clear explanations made this complex decision incredibly easy.
A.W.
We accessed a reverse mortgage with their guidance to enjoy retirement without financial stress. The Financing Factory truly made life easier—they explained everything in detail!
J.S. & D.S.
Retirement isn’t an end—it’s a powerful new beginning
Worried About Rising Costs? Discover How a Reverse Mortgage Offers Stability You’re Not Imagining It—Everything Is More Expensive Let’s chat honestly about this – the cost of everything is going…
