What the lawyer actually does at a reverse mortgage ILA appointment

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

1. Review of your commitment and mortgage documents
2. Discussion of practical obligations (taxes, insurance, occupancy, maintenance)
3. Explanation of repayment triggers and estate treatment
4. Confirmation that you are signing voluntarily and understand the agreement

Then the lawyer issues the required ILA confirmation.

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.