Ontario’s Home Equity Specialist
Access Your Home Equity. Without Selling. Without Moving.
Expert mortgage solutions for homeowners 55+. Reverse mortgages, home equity loans, private mortgages and more.
- Stay in the home you love
- Tax-free cash options
- No monthly mortgage payments with a reverse mortgage
- Independent advice. Multiple lenders.
- No pressure. Just clear answers.
No commitment. No impact on your credit.
How a Reverse Mortgage Works
Free Consultation
We review your home value, equity, age, and retirement goals. No pressure, no obligation.
Compare Options
We present every available option with actual figures for your situation — so you make an informed decision, not a guess.
Appraisal & Approval
An independent appraiser values your home. Approval typically takes 2–4 weeks from application.
Receive Tax-Free Cash
Funds deposited directly to you. No monthly payments. You continue living in your home.
Meet Eric Lamy
For more than 15 years, I’ve helped Ontario homeowners navigate important mortgage decisions with straightforward advice and personalized solutions.
Whether you’re exploring a reverse mortgage, refinancing, or a private lending option, my goal is to help you understand every choice before making a decision.
About my approach →Home Equity Solutions
Unlock the value in your home with flexible, tax-free options.
Learn more →Reverse Mortgages
Stay in your home and eliminate monthly payments.
Learn more →Private Mortgages
Fast, flexible lending when the banks can't help.
Learn more →Refinancing
Lower payments, better rates and debt consolidation solutions.
Learn more →“I can’t possibly say enough good things about working with Eric. From start to finish, Eric was knowledgeable, responsive, and incredibly professional.”
“This is my third mortgage with Eric. His get-it-done process and attitude keeps bringing me back.”
“He answered all of my questions and everything fell into place seamlessly. I would definitely recommend Eric to my family and friends.”
How Much Home Equity
Could You Access?
A broad directional reverse mortgage estimate based on your age, home value, and existing mortgage — not a lender quote.
Reverse mortgage eligibility depends on lender policy, age, location, property type, appraisal, existing mortgage balance, and underwriting. This tool provides a broad directional estimate only.
Directional range across reverse mortgage lenders.
Does Any of This Sound Familiar?
I want to stay in my home, but need more income in retirement.
A reverse mortgage lets you convert your home equity into tax-free cash — with no monthly payments. You stay in your home. The balance is repaid when you sell or move.
Learn about reverse mortgages →I have equity, but I don't qualify for a conventional mortgage.
Banks focus on income. Private and alternative lenders focus on what your home is worth. If your situation is complex — retired, self-employed, or credit-challenged — there may still be options.
Explore private lending options →I'm not sure which option is right for me.
That's exactly what the consultation is for. We explain every available product — including costs, trade-offs, and what fits your specific situation — before recommending anything.
Book a free consultation →Reverse Mortgage Guides
What Is a Reverse Mortgage? Complete Guide for Canadian Homeowners
A reverse mortgage lets Canadian homeowners 55+ access home equity tax-free with no monthly payments. This guide explains how it works, who qualifies, and what to watch out for.
CHIP vs Bloom Reverse Mortgage: Which Is Right for You in 2024?
Comparing Canada's regulated reverse mortgage products: CHIP by HomeEquity Bank and Bloom Reverse Mortgage by Bloom Finance — plus Equitable Bank and Home Trust EquityAccess. Rates, features, and how to choose for Ontario homeowners.
How Much Can You Borrow with a Reverse Mortgage in Ontario? (2024)
The amount you can borrow with an Ontario reverse mortgage depends on your age, home value, and location. Here's how lenders calculate it and what to realistically expect.
Ready to Understand Your Options?
No obligation. No pressure. We explain every available option — and all compensation is disclosed in writing before you commit to anything.
Or browse the reverse mortgage FAQ →Eric Lamy, Mortgage Agent Level 2 · FSRA #M14000527·under Mortgage Scout Inc - DLC (FSRA Brokerage #13060)