If you’re 55 or older and own your home in Alberta, you’re sitting on more than just a roof over your head—you’re holding the key to greater financial freedom. Whether you’re planning to enhance your retirement lifestyle, support your family, or travel the world, accessing your home equity through reverse or equity-based mortgages can help you achieve your goals without giving up the home you love.
Reverse & Equity Mortgage Solutions for Homeowners 55+
Equity Mortgages: Lending Based on What You Own
If you have substantial equity or net worth but limited income, a traditional mortgage may not serve you well. That’s where equity mortgages come in. Offered by trusted lenders, these solutions focus on your equity and net worth, not your monthly income.
With an equity mortgage, you can:
These products are excellent for self-employed professionals, entrepreneurs, and retirees with asset-rich but income-light profiles.
Second Mortgage
Already have a reverse mortgage but need more access to capital? You may be eligible for a second mortgage top-up—a secondary equity loan that brings your total borrowing up to 65% loan-to-value.
This solution is ideal for:
- Major life changes or emergency expenses
- Supporting children or grandchildren financially
- Renovating your property or preparing it as a rental while travelling
Our team can help you strategize how to layer your mortgage products for the greatest flexibility.
Shared Appreciation Mortgage
In Alberta, a Shared Appreciation Mortgage gives homeowners, of any age, access to equity now, with repayment deferred until you sell or move, and no monthly mortgage payments. Instead of paying high interest, you agree to share part of your home’s future increase in value. This makes Shared Appreciation Mortgage a great option for those looking to reduce debt pressure while participating in the long-term value of their property.
Mortgage Literacy & Coaching for Canadians 55+
We believe financial clarity leads to financial confidence. That’s why we provide mortgage education and 1-on-1 coaching designed for Alberta homeowners in midlife and retirement. Learn how to:
- Navigate mortgage options confidently
- Maximize your equity
- Avoid common pitfalls
- Create a lifestyle-first financial plan
We’re not just brokers—we’re your partners in future planning.
Dreaming Bigger? Let’s Talk About Retiring Abroad
Planning to retire or live part-time abroad? We offer expert support in retire abroad planning for Canadians, including:
- How to use your home equity to fund your lifestyle overseas
- Residency and visa requirements in retiree-friendly countries
- Smart tax and estate planning strategies
- How to rent out or maintain your Alberta property while away
Whether you’re dreaming of Costa Rica, Portugal, or beyond, we’ll help you build a realistic, flexible exit strategy.
Cross-Border Mortgages: Buying U.S. Property as a Canadian
Thinking about owning a winter escape in Arizona, Florida, or California? We also help Canadians secure mortgages for U.S. property purchases, simplifying what can often be a complex process. Our U.S. mortgage services include:
- Loan qualification for Canadians
- Navigating legal and tax implications
- Connecting you with Canadian-friendly U.S. lenders
Ongoing support for owning and managing cross-border real estate
Serving Alberta’s Major and Secondary Markets
We proudly support homeowners across Alberta’s major cities, including Calgary, Edmonton, and Red Deer, as well as in secondary markets like Lethbridge, Medicine Hat, Grande Prairie, Airdrie, and Fort McMurray. Whether you live in the heart of the city or a peaceful rural community, we bring mortgage solutions tailored to your unique lifestyle.
If you’re 55 or older and want to explore the possibilities your home equity can offer, we’re here to help. Whether you’re interested in a reverse mortgage, an equity-based mortgage, or planning your retirement abroad, we offer the tools, advice, and support to move you forward with confidence.