That’s why a growing number of parents and grandparents are choosing a smarter, more meaningful approach:
👉 Helping their family now by using home equity — not waiting for an inheritance later.
This is known as a living inheritance, and it’s changing how families support one another.
🏠 What Is a Living Inheritance?
A living inheritance means using the equity in your home to help your children or loved ones today, when they need it most.
Instead of waiting decades:
- You help with a down payment
- You help them avoid crushing rent
- You help them enter the housing market sooner
- You keep control of your property and finances
For many families, this support is the difference between owning a home and being permanently priced out.
🇨🇦 Why Canadian Families Are Turning to Equity in 2026
Across Ontario and Canada:
- Home prices remain high
- Rents continue to rise
- Student debt burdens young buyers
- Mortgage stress tests limit approvals
Parents who have built equity over decades are asking:
“How can I help my children without hurting myself?”
The answer lies in structured, responsible equity access.
🔑 The 3 Most Common Ways Families Help Using Equity
💰 1. Living Inheritance Loans
A living inheritance loan allows you to:
- Access a portion of your home equity
- Gift or lend funds to your children
- Help with a down payment or closing costs
Support them without selling your home
At Lendworth, we structure these loans with:
✔ Conservative loan-to-value ratios
✔ Flexible repayment options
✔ Clear exit strategies
🔄 2. Reverse Mortgages (Used Strategically)
Reverse mortgages aren’t just for retirement income — they’re increasingly used to support family.
They allow homeowners to:
- Access equity without monthly payments
- Stay in their home
- Use funds to help children buy property
- Maintain cash flow during retirement
Used properly, reverse mortgages can be a powerful family-planning tool.
🏦 3. HELOCs & Private Equity Lines
Some families prefer:
Home Equity Lines of Credit (HELOCs)
Private equity loans when banks say no
These options allow:
- Flexible borrowing
- Interest-only payments in some cases
- Gradual repayment over time
The key is choosing the right structure for your goals.
👨👩👧 Helping Your Children Without Risking Your Future
The biggest concern parents have is understandable:
“What if I need that equity later?”
That’s why proper planning matters.
At Lendworth, we help families:
- Protect retirement security
- Avoid over-leveraging
- Keep ownership and control
- Plan exits and contingencies
- Structure support responsibly
Helping your family should feel empowering — not stressful.
🧠 Why This Is Becoming the New Normal
A living inheritance is no longer rare — it’s becoming essential.
Families are realizing:
✔ Equity is meant to be used wisely
✔ Helping early has a bigger impact
✔ Real estate is increasingly intergenerational
✔ Supporting family builds stability, not dependency
This is about family strength, not handouts.
🏆 Why Families Choose Lendworth
Families trust Lendworth because we:
- Specialize in equity-based lending
- Offer living inheritance strategies
- Provide reverse mortgage guidance
- Structure HELOC and private solutions
- Act with care, clarity, and discretion
We don’t just approve loans — we help families plan responsibly.
If you’re thinking about helping your children or loved ones buy a home, there’s a right way to do it.
🏠 Living inheritance loans
🔄 Reverse mortgages
🏦 HELOC & equity solutions
Help them now. Protect yourself. Build your family’s future together.
Your equity deserves more™