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EquityAccess Reverse Mortgage: Access tax-free funds from your home

Access your home equity with no regular mortgage payments. Available to Canadian homeowners aged 55 and older.

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How can I apply for an EquityAccess Reverse Mortgage?

Home Trust reverse mortgages are currently available through mortgage brokers in Ontario, Nova Scotia, Alberta and British Columbia. To apply for an EquityAccess Reverse Mortgage, contact a mortgage broker.

 

As a leading mortgage lender, Home Trust is committed to delivering exceptional service and offering products that meet the unique financing needs of Canadian homeowners from all walks of life. At Home Trust, your story matters

 

Ready to get started? Speak to a mortgage broker to learn more.
Our current reverse mortgage products and rates*
Origination Rate
The origination rate is the interest rate that the borrower must pay on a newly originated reverse mortgage.
Reset Rate
The reset rate is the interest rate that a borrower must pay when their reverse mortgage is reset.
EquityAccess
A straightforward product that offers access to equity as a single lump-sum advance.
Minimum age: 55 years old
Get an estimate
EquityAccess+
Our advanced product offers a combination of lump-sum and scheduled advances.
Minimum age: 55 years old
Get an estimate
EquityAccess Boost
A flexible product that offers eligible homeowners access to a greater amount of home equity.
Minimum age: 70 years old
Get an estimate
Rate
APR APR is the annualized interest rate for your interest term and is calculated based on the initial advance plus interest and applicable fees.
Rate
APR
Rate
APR
Set-up fee
$995
$995
$995
1-year fixed
6.79%
7.80%
6.89%
7.91%
8.14%
9.20%
2-year fixed
6.49%
7.02%
6.69%
7.22%
7.94%
8.51%
3-year fixed
6.55%
6.92%
6.59%
6.96%
7.84%
8.25%
5-year fixed
6.23%
6.47%
6.29%
6.53%
7.44%
7.71%
5-year adjustable (Prime + xx%)
P+2.30%
7.36%
P+2.35%
7.42%
P+3.19%
8.31%
Prime Rates as of 10/29/2026
4.70%
4.70%
4.70%
EquityAccess
A straightforward product that offers access to equity as a single lump-sum advance.
Minimum age: 55 years old
Get an estimate
Rate
APR APR is the annualized interest rate for your interest term and is calculated based on the initial advance plus interest and applicable fees.
Set-up fee
$995
1-year fixed
6.79%
7.80%
2-year fixed
6.49%
7.02%
3-year fixed
6.55%
6.92%
5-year fixed
6.23%
6.47%
5-year adjustable (Prime + xx%)
P+2.30%
7.10%
Prime Rates as of 10/30/2025
4.45%
EquityAccess+
Our advanced product offers a combination of lump-sum and scheduled advances.
Minimum age: 55 years old
Get an estimate
Rate
APR
Set-up fee
$995
1-year fixed
6.89%
7.91%
2-year fixed
6.69%
7.22%
3-year fixed
6.59%
6.96%
5-year fixed
6.29%
6.53%
5-year adjustable (Prime + xx%)
P+2.35%
7.15%
Prime Rates as of 10/30/2025
4.45%
EquityAccess Boost
A flexible product that offers eligible homeowners access to a greater amount of home equity.
Minimum age: 70 years old
Get an estimate
Rate
APR
Set-up fee
$995
1-year fixed
8.14%
9.20%
2-year fixed
7.94%
8.51%
3-year fixed
7.84%
8.25%
5-year fixed
7.44%
7.71%
5-year adjustable (Prime + xx%)
P+3.19%
8.05%
Prime Rates as of 10/30/2025
4.45%