Unlock the value in your home with a smarter solution.
Get cash today—up to $500K—without interest or monthly repayments
Life happens—and your home can help. Whether you’re looking to pay off debt, renovate, fund education, or simply improve your cash flow, our Home Equity Sharing Agreement (HESA) offers you an innovative way to access the money you need without adding monthly payments or taking out a traditional loan.
Key benefits:
- Access up to 75% of your home value
- No income or age restrictions
- No monthly payments — ever
- No new mortgage required
- Available across Ontario & GTA
- Credit score as low as 500 accepted
- Flexible terms — exit when you're ready
How It Works
Simple, transparent, no-stress process:
Apply Online
Provide some basic details about your home and mortgage.
Get Funded
You can unlock 5%–17.5% of your home's value (up to $500K), with no monthly payments or added interest.
Share Future Value
At the end of your term, or when you sell your home, you’ll share a portion of your home’s appreciation with us—no interest, no penalties, no surprises.
Who Is It For?
This program is perfect for:
- Homeowners who want to consolidate high-interest debt
- Retirees who want to supplement their income
- Families funding education or life events
- Homeowners planning home improvements
- Entrepreneurs needing capital
Why Choose Us?
Not a Loan. Not a Reverse Mortgage. Just a Smarter Way Forward
- Fully transparent terms — no hidden fees
- Trusted Ontario mortgage professionals
- Work with a team that puts your interests first
- Simple online process — fast approval
- Flexible term options up to 10 years
Not a reverse mortgage. Not a second mortgage. Not a loan. A smarter way to access your home’s value and maintain financial freedom.
FAQ
Is this a loan?
Who qualifies?
How long is the term?
What can I use the funds for?
Ready to access your home’s value—without monthly payments?
Helping Ontario homeowners access smarter equity solutions.