What the lawyer actually does at a reverse mortgage ILA appointment
Independent Legal Advice (ILA) is mandatory in Canada. Here is what actually happens in the appointment and how to prepare.
By Scott Dillingham · AMP · Mortgage Agent · FSRA #12728 · Last updated May 22, 2026
Many borrowers hear “you need a lawyer for ILA” but are not sure what that means in practice.
In Canada, Independent Legal Advice (ILA) is a required borrower protection for reverse mortgages.
What the lawyer is there to do
At ILA, the lawyer (or notary in Quebec) is not selling you a product and is not representing the lender.
Their role is to confirm you understand:
- Core loan terms
- Ongoing borrower obligations
- Compounding/repayment implications
- Rights and risks before signing
What the appointment usually covers
- Review of your commitment and mortgage documents
- Discussion of practical obligations (taxes, insurance, occupancy, maintenance)
- Explanation of repayment triggers and estate treatment
- Confirmation that you are signing voluntarily and understand the agreement
Then the lawyer issues the required ILA confirmation.
Once the lawyer issues the ILA confirmation, the reverse mortgage is ready to proceed, and related considerations arise later around what happens if you sell or move.
Common questions borrowers ask at ILA
- “Can I still move later?”
- “What happens if one spouse goes into care?”
- “How will this affect my estate?”
- “Can my family keep the house?”
These are exactly the right questions to bring.
How to prepare for ILA
- Read your key documents in advance
- Bring a written list of questions
- Ask for plain-language explanations, not legal jargon
- Bring a family member for support if you want
For a full walk-through, visit our dedicated ILA explained guide and step-by-step process page.
Bottom line
ILA is not a formality. It is a meaningful protection checkpoint designed to ensure your decision is informed and voluntary.
Stay in your home.
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