In Canada, reverse mortgages are known as “Home Equity Conversion Mortgages” (HECM) and are offered by a limited number of financial institutions. Like in the US, borrowers must be 55 or older and the loan is based on the value of the home and the borrower’s age. The funds can be used for any purpose and the loan does not have to be repaid until the borrower dies, sells the home, or moves out permanently.