Unlock Financial Freedom
Financial freedom awaits. Introducing Canada’s most innovative new product for homeowners, the Home Equity Sharing Agreement (HESA). Smart, simple, and stress free, this product gives you cash today in exchange for a percentage of your home’s future appreciation. Sign up to receive emails with more information about this exciting option for Canadian homeowners.
No Monthly Payments.
No Interest Charges.
No Surprises. Just Flexibility, Choice and Freedom from Financial Burden.
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 a cash payment from us equal to 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.
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.
The Benefits of Partnering With Us
Access Your
Equity
If you have 30% equity in your home, and you don’t want to move, lock in with high interest rates, or take on equity eroding products, you can access a portion of your home’s equity with zero interest payments.
Our
Values
As true partners, we will always adhere to our values of transparency and integrity.
Financial
Freedom
You’re free to spend the money on helping out a loved one or paying off high-interest debt— whatever you choose — without monthly interest payments.
Stay in
Your Home
Attain your most cherished life goals without moving out of your home, and rest easy knowing your existing equity is protected.
What does a HESA cost?
01
The Home Equity Partners (HEQ) start by appraising your home with a reputable, third-party appraiser. The appraised value of your home is then discounted by 5.0% to get to the Original Starting Value.
02
After signing the closing documents, you receive a lump sum cash payment, and in exchange, HEQ is entitled to a portion of your home’s future change in value.
03
We are not a lender and, therefore, there are no monthly payments or interest rate uncertainties during the term of the investment.
04
Whenever your HESA term expires, or comes to an end, the amount you return to HEQ depends on the value of your home. If your home’s value went up since the start of your agreement, HEQ shares in the gain. If the value of your home falls, HEQ receives less than the original cash payment.
05
We apply a 4x multiplier on the percentage amount of equity you access through the HESA to determine our share in the home’s appreciation. This means if you access 7% of your home’s value through our HESA, we will share in 28% of your home’s appreciation over the term of the agreement (7% x 4=28%).
06
Homeowners can pay back HEQ at any time during the duration of their 10-year term.
