A website of Dominion Lending Centres Homestead Financial · Independently Owned and Operated · Brokerage Licence #11711

# Long Term Care in Whitby, 2026 | ReverseMortgageWhitby.ca

> Long term care in Whitby: the three homes, waiting lists, 2026 costs, and what happens to a house with a reverse mortgage. Free estimate, no sales pressure.

URL: https://reversemortgagewhitby.ca/guide/long-term-care-whitby/

# Long term care in Whitby: homes, waiting lists, costs and your house

Whitby's three long-term care homes, what a bed costs from July 2026, and what a move into care means for your home and any reverse mortgage on it.

From Dominion Lending Centres Homestead Financial · Care and health · About 5 minutes to read

## The short version

-   Fairview Lodge, run by Durham Region, has **198 beds** and 2,363 entries on its waiting list as of June 30, 2026 ([Ontario Ministry of Long-Term Care](https://www.ontario.ca/locations/longtermcare/homes/M522-fairview-lodge)).
-   Applications for every Ontario long-term care home go through **Ontario Health atHome**, at 1-833-515-1234 ([Ontario Health atHome](https://ontariohealthathome.ca/)).
-   From July 1, 2026, the basic co-payment is **$70.00 a day ($2,129.17 a month)** ([Ministry of Long-Term Care bulletin, via City of Greater Sudbury](https://www.greatersudbury.ca/live/long-term-care-pioneer-manor/information-letters/2026-06-02-pioneer-manor-information-letter/)).
-   With a reverse mortgage, **a spouse who is also a borrower can stay in the home** with nothing changing when the other moves into care ([reversemortgagebroker.ca, long-term care](https://reversemortgagebroker.ca/reverse-mortgage-long-term-care/)).

Long term care in Whitby is offered in three homes with 478 beds: **Fairview Lodge, The Village of Taunton Mills and Glen Hill Terrace**. You apply through Ontario Health atHome, not through the home itself. From July 1, 2026, a basic room costs **$70.00 a day**, about $2,129 a month, with a reduced rate for people with low incomes.

[Find out what your own Whitby home could give you](https://reversemortgagebroker.ca/estimate/?utm_source=reversemortgagewhitby&utm_medium=satellite&utm_campaign=long-term-care-whitby). It's free, with no sales pressure.

**Who wrote this, and where the numbers come from**

This website belongs to Dominion Lending Centres Homestead Financial, an Ontario mortgage brokerage (licence #11711). Its broker for Whitby homeowners is Richard Hopkins, Mortgage Broker, licence M16000896, and he compares every reverse mortgage lender in Canada.

Each figure links to its source, and all of them are listed at the end. The figures were checked on October 16, 2026. No lender paid for or reviewed this page.

On this page

-   [Which long-term care homes are in Whitby?](#which-long-term-care-homes-are-in-whitby)
-   [How do you apply for long-term care in Whitby?](#how-do-you-apply-for-long-term-care-in-whitby)
-   [What does long-term care cost in Whitby in 2026?](#what-does-long-term-care-cost-in-whitby-in-2026)
-   [What happens to your house and reverse mortgage if you move into care?](#what-happens-to-your-house-and-reverse-mortgage-if-you-move-into-care)
-   [Can a reverse mortgage pay for more help at home while you wait?](#can-a-reverse-mortgage-pay-for-more-help-at-home-while-you-wait)
-   [What should Whitby families sort out early?](#what-should-whitby-families-sort-out-early)

[ReverseMortgageWhitby.ca](/) explains long term care in Whitby for homeowners and their families, using the Ontario Ministry of Long-Term Care’s listings and the 2026 co-payment rates. It also covers what a move into care means for a Whitby home with a reverse mortgage.

## Which long-term care homes are in Whitby?

Whitby has three long-term care homes: Fairview Lodge, The Village of Taunton Mills and Glen Hill Terrace. Together they have 478 beds. Fairview Lodge is run by Durham Region, Glen Hill Terrace is not-for-profit, and The Village of Taunton Mills is run by a for-profit company. All three had long waiting lists in mid-2026.

| Home | Address | Beds | Waiting list, June 30, 2026 |
| --- | --- | --- | --- |
| Fairview Lodge (Durham Region) | 632 Dundas St W | 198 | 2,363 |
| The Village of Taunton Mills | 3800 Brock St N | 120 | 1,830 |
| Glen Hill Terrace | 80 Glen Hill Dr | 160 | 1,064 |

Sources: Ministry listings for [Fairview Lodge](https://www.ontario.ca/locations/longtermcare/homes/M522-fairview-lodge), [The Village of Taunton Mills](https://www.ontario.ca/locations/longtermcare/homes/2902-the-village-of-taunton-mills) and [Glen Hill Terrace](https://www.ontario.ca/locations/longtermcare/homes/3053-glen-hill-terrace).

People can be on more than one home’s list, so the three numbers can’t be added up to count people. The ministry notes that waits vary widely and change often. Fairview Lodge is one of four homes run by Durham Region ([Durham Region](https://www.durham.ca/living-here/long-term-care-and-adult-day-programs/)).

## How do you apply for long-term care in Whitby?

You apply for long-term care in Whitby through Ontario Health atHome, the provincial agency that handles applications for every long-term care home in Ontario. You don’t apply to the home directly. The provincial phone line is 1-833-515-1234, and details are at ontariohealthathome.ca.

Ontario Health atHome ([ontariohealthathome.ca](https://ontariohealthathome.ca/)) also arranges publicly funded home care.

## What does long-term care cost in Whitby in 2026?

From July 1, 2026, a basic long-term care room costs $70.00 a day, or $2,129.17 a month. Semi-private and private rooms cost more. The province sets the maximum rates, so no Ontario home can charge more. People with low incomes can apply for a reduced basic rate.

| Kind of room (rates from July 1, 2026) | Daily | Monthly |
| --- | --- | --- |
| Basic | $70.00 | $2,129.17 |
| Semi-private | $84.40 | $2,567.17 |
| Private | $100.01 | $3,041.97 |

The semi-private and private rates apply to newer beds for residents admitted on or after July 1, 2015. Older beds and earlier admissions pay lower rates ([Ministry of Long-Term Care bulletin](https://www.greatersudbury.ca/live/long-term-care-pioneer-manor/information-letters/2026-06-02-pioneer-manor-information-letter/)).

A rate reduction is available for basic rooms if your net income is about $27,338 or less. You reapply each year with your latest Notice of Assessment ([Ontario](https://www.ontario.ca/page/paying-long-term-care)).

## What happens to your house and reverse mortgage if you move into care?

If your spouse is also a borrower and stays in the home, nothing changes when you move into care. If the last borrower moves permanently into long-term care, the reverse mortgage comes due. From then, families commonly have up to a year to either sell the Whitby home or pay back what is owed. A stay in hospital that is only temporary doesn’t make it due.

### When one spouse moves into care

A reverse mortgage stays in place for as long as one borrower still lives in the home. Your spouse can go on living in the Whitby home with no required monthly mortgage payments, as long as the property tax, home insurance and upkeep are looked after.

### When the last borrower moves into care

The family decides whether to sell the home or repay the balance from other money. The lender never owns the home, and the family keeps everything above the balance owed. Interest keeps adding to the balance until it’s repaid.

Some lenders reduce or waive the prepayment charge when the move is to long-term care ([reversemortgagebroker.ca](https://reversemortgagebroker.ca/reverse-mortgage-long-term-care/)). You can never owe more than the home is worth (its fair market value) when the mortgage comes due, as long as property taxes, insurance and upkeep were kept up.

### A hospital or rehab stay is different

A temporary stay in hospital, rehab or convalescent care doesn’t make the reverse mortgage due. The home is still your home while you recover.

## Can a reverse mortgage pay for more help at home while you wait?

Yes. Some Whitby homeowners use a reverse mortgage to pay for private home care, a companion or cleaning help while they wait for a long-term care bed. The money can come as a lump sum or as monthly deposits. There are no required monthly mortgage payments, so none of the money goes to a mortgage payment.

The page on [paying for home care in Whitby](/paying-for-home-care-whitby/) explains the options in more detail. Changes to the house itself, such as grab bars or a main-floor bathroom, are covered in [accessible home renovations in Whitby](/accessible-home-renovations-whitby/).

Because reverse mortgage money is a loan rather than income, it isn’t taxed. Your Old Age Security and Guaranteed Income Supplement stay the same. It also doesn’t count in the income test for a reduced long-term care rate.

Richard Hopkins, Mortgage Broker, compares every reverse mortgage lender in Canada and also sets up home equity lines of credit, refinances and regular mortgages. Once those are weighed too, you get a recommendation based on your situation, even if it’s not a reverse mortgage. Sons and daughters can be copied on every email.

## What should Whitby families sort out early?

A continuing power of attorney for property is the most important step to sort out early. It must be made while the homeowner is mentally capable. If a lender accepts its wording, the attorney can sign mortgage papers later on the homeowner’s behalf. Without one, a family member may need a court appointment to act.

Your property tax and home value also matter when planning. The [guide to Whitby property tax for seniors](/guide/whitby-property-tax-seniors/) lists the rebates you may qualify for, and the [Whitby reverse mortgage calculator](/tools/reverse-mortgage-calculator-whitby/) gives a first figure for your home. The [printable checklist](/resources/) helps you gather documents before you start.

## What this means for you

Whitby's three long-term care homes have long waiting lists, so many families need to pay for extra help at home in the meantime. A reverse mortgage can provide that money without monthly mortgage payments, and a spouse who is also a borrower keeps living in the home. Planning early, including a power of attorney, keeps your choices open.

To see the figures for your own home, [get your free Whitby estimate](https://reversemortgagebroker.ca/estimate/?utm_source=reversemortgagewhitby&utm_medium=satellite&utm_campaign=long-term-care-whitby). There's no cost and no sales pressure.

## More questions on this topic

**Will a hospital stay make my reverse mortgage due?**

No. The mortgage isn't due because of a temporary stay in hospital, rehab or convalescent care. It comes due only when the last borrower sells, moves out permanently or passes away.

**Can your spouse stay in your Whitby home if you move into long-term care?**

Yes. If your spouse is also a borrower on the reverse mortgage, nothing changes. Your spouse keeps living in the home, with **no required monthly mortgage payments**, as long as property tax, insurance and upkeep are kept up.

**Does reverse mortgage money raise a long-term care co-payment?**

No. Reverse mortgage money is a loan rather than income, and the income test for a reduced basic rate leaves it out. Interest you earn on money left in savings does count, though. See [paying for home care in Whitby](/paying-for-home-care-whitby/) for more.

[Related page Paying for care at home Public care first, then Town supports, then a way to pay for private hours without a monthly mortgage payment.](/paying-for-home-care-whitby/)

## Other Whitby guides

-   [Whitby property tax for seniors: 2026 rates, due dates and relief](/guide/whitby-property-tax-seniors/)
-   [Reverse mortgage cost in Whitby: one-time fees, interest and an example](/guide/reverse-mortgage-cost-whitby/)
-   [Whitby house prices in 2026, and what your home could provide](/guide/whitby-home-prices/)
-   [Downsizing in Whitby: what selling and moving would really cost](/guide/downsizing-in-whitby-cost/)

[Email this page to a family member](mailto:?subject=Long%20term%20care%20in%20Whitby%3A%20homes%2C%20waiting%20lists%2C%20costs%20and%20your%20house&body=This%20page%20may%20help%3A%20https%3A%2F%2Freversemortgagewhitby.ca%2Fguide%2Flong-term-care-whitby%2F) . To print it, use your browser's Print button.

## Where these figures come from

Checked October 16, 2026.

1.  [Ontario Ministry of Long-Term Care, Fairview Lodge listing (waiting list as of June 30, 2026)](https://www.ontario.ca/locations/longtermcare/homes/M522-fairview-lodge)
2.  [Ontario Ministry of Long-Term Care, The Village of Taunton Mills listing (waiting list as of June 30, 2026)](https://www.ontario.ca/locations/longtermcare/homes/2902-the-village-of-taunton-mills)
3.  [Ontario Ministry of Long-Term Care, Glen Hill Terrace listing (waiting list as of June 30, 2026)](https://www.ontario.ca/locations/longtermcare/homes/3053-glen-hill-terrace)
4.  [Durham Region, Long-term care and adult day programs](https://www.durham.ca/living-here/long-term-care-and-adult-day-programs/)
5.  [Ontario Health atHome](https://ontariohealthathome.ca/)
6.  [Ministry of Long-Term Care co-payment bulletin, effective July 1, 2026 (posted by the City of Greater Sudbury, June 2, 2026)](https://www.greatersudbury.ca/live/long-term-care-pioneer-manor/information-letters/2026-06-02-pioneer-manor-information-letter/)
7.  [Ontario, Paying for long-term care](https://www.ontario.ca/page/paying-long-term-care)
8.  [reversemortgagebroker.ca, Reverse mortgages and long-term care](https://reversemortgagebroker.ca/reverse-mortgage-long-term-care/)

Date modified: 2026-10-16

---
Free reverse mortgage estimate (no sales pressure): https://reversemortgagebroker.ca/estimate/?utm_source=reversemortgagewhitby&utm_medium=satellite&utm_campaign=long-term-care-whitby

Operated by Dominion Lending Centres Homestead Financial, a mortgage brokerage licensed by the Financial Services Regulatory Authority of Ontario, brokerage licence #11711. Independently Owned and Operated. ReverseMortgageWhitby.ca is a website of Dominion Lending Centres Homestead Financial, not a separate brokerage. Richard Hopkins, Mortgage Broker, licence M16000896.