Take a Holiday
from Mortgage Payments
A simple way for Canadian homeowners to use their home's value with no monthly mortgage payments.
Get Your Free QuoteWhat Is a Mortgage Holiday?
A mortgage holiday is a way to temporarily pause or reduce your mortgage payments, providing financial relief during unexpected expenses, reduced income, or other temporary hardship. We offer tailored solutions for every stage of life.
How It Works
Choose the solution that fits your age and financial situation
Under 55
Alternative Mortgage Solutions
Explore flexible mortgage options designed to help you achieve your financial goals, whether you need to reduce payments, access equity, or secure better rates.
Refinancing to lower your rate and monthly payments
Home equity loans or lines of credit for major expenses
Mortgage restructuring to better fit your budget
Expert guidance to find the best solution for your needs
55 and Over
Reverse Mortgage Solution
A long-term solution that allows you to access your home equity while eliminating mandatory monthly mortgage payments for as long as you live in your home.
Access up to 55% of your home's value tax-free
No monthly mortgage payments required
Stay in your home with improved cash flow
Repaid when home is sold or estate is settled
Things to Know
Important facts about mortgage options in Canada
Deferred Payments
Payment relief means postponement—not cancellation. They are added to your mortgage balance at the end of the term.
Interest Still Applies
Interest continues to accrue while payments are deferred, which can affect your overall loan balance.
Approval Required
Every mortgage option requires your lender's review and approval. A licensed advisor will help you apply and get the right solution.
Ready to Get Started?
Speak with our licensed advisors today and explore your options.
This website provides general information only. Reverse mortgages are not suitable for everyone.
All mortgage solutions are subject to lender approval. Serving Canadian residents only.