Unlock Your Home’s Value

with the Home Equity
Sharing Agreement

Introducing Canada’s most innovative financial solution for homeowners – the Home Equity Sharing Agreement (HESA). Smart, simple, and stress-free, this unique option gives you cash today in exchange for a share of your home’s future change in value.

You could qualify for up to $500,000 with zero-interest payments. Apply today or contact us for more information and a personalized eligibility estimate.

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Whether you’re looking to pay off high interest debt, invest in higher education, manage the increased cost-of-living, plan for retirement, or undertake long-awaited home renovations, the HESA gives you the financial freedom to achieve your goals.

Rest easy knowing your existing equity is protected. It’s a smart, flexible way to make the most of your home’s equity, empowering you to shape the future you’ve envisioned.

Try Our HESA Estimator

Estimated Home Value

Estimated Secured Debt

You May Qualify For:

$500,000

At this time, you do not have the required equity to qualify for the HESA.

Please contact us with any questions and to review your eligibility.

HESA Amount

5%
7.5%
10%
12.5%
15%
17.5%

To Qualify, You Must:

  • Own and live in a townhome or single-family home in the GTA (condos are not eligible).
  • Have at least 30% equity in your home.
  • Have a credit score of 500 or higher.

If You Qualify, You Could Receive:

  • A cash payment from us between $50,000 to $500,000, ranging from 5.0% to 17.5%
    of your home’s current market value.

No Monthly Payments.
No Interest Charges.
No Surprises. Just Flexibility, Choice, and Freedom from Financial Burden.

How it Works

01

If you own a home in the Greater Toronto Area with at least 30% equity, you could qualify for a cash payment from us up to $500,000, ranging from 5.0% to 17.5% of your home’s current market value.

02

We offer a 10 year term. You can use the money for anything you choose, and you will make no payments to us for the duration of the term. You can exit the agreement at any time, and the money you pay us will depend on how much your home has changed in value since the start of the agreement.

03

When it eventually comes time to exit the HESA, you’ll need to pay us the original amount that we shared with you, plus or minus our percentage of your home’s change in value.

How it Works

01

If you live in your own home in the GTA, and you have at least 30% equity in it, you may qualify to receive cash from us for anywhere from 5.0% to 17.5% of the home’s current market value.

02

We offer a 10 year term. You can use the money for anything you choose, and you will make no payments to us for the duration of the term. You can exit the agreement at any time, and the money you pay us will depend on how much your home has appreciated in value since the start of the agreement.

03

When it eventually comes time to “settle up” the investment, you’ll need to pay us the original amount that we shared with you, plus or minus our percentage of your home’s change in value.