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The smarter way to tap into your home equity

A Home Equity Sharing Agreement from Clay Financial gives you cash now in exchange for a share of your home’s future value.

Get an estimate

A Home Equity Sharing Agreement from Clay Financial gives you cash now in exchange for a share of your home’s future value.

Get an estimate

Reshape your home equity

What new possibilities will you unlock with a HESA from Clay Financial?

Fund retirement

Retire on your terms. Supplement your income tax-free while staying in the home you love.

Pay off debt

Give yourself room to breathe. Improve your credit score and reduce your monthly payments.

Renovate your home

Make it your forever home. Update your kitchen, install a solar roof – the possibilities are endless.

Gift a down payment

Help your child buy a home sooner. Use your equity to boost their down payment and qualify for a mortgage.

Pursue an education

Learn new skills. Get a lump-sum, tax-free payment to help you or your loved ones finance an education.

Start a business

Bring your entrepreneurial vision to life. Invest in your business without worrying about monthly payments.

Buy a recreational property

Build new memories with your family. Make the downpayment on a cottage, cabin or chalet today.

Diversify your wealth

Take control of your finances. Grow a portfolio of liquid assets and reduce your exposure to real estate.

Or just about anything else

There are no restrictions. You’ve worked hard to build the equity in your home – use it any way you choose.

How much equity could you access?

Tap into a portion of your existing home equity with a HESA from Clay Financial.

Get an estimate
2024 Equity Access Calculator
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Possible maximum HESA amount based on information provided. Get an estimate for a more accurate assessment of how much equity you may be able to access with a HESA from Clay Financial.

The most flexible way to tap into your home equity

Enjoy the benefits of a new financing solution that doesn’t require selling your home or taking on debt.

Receive cash upfront

Receive a lump-sum cash payment at the start of your HESA.

Stay in your home

Tap into your home equity without leaving the home you love.

No monthly payments

Pay only at the end of your HESA.

No interest rates

Stop worrying about interest rates and refinancing.

Existing equity protected

With payment based on appreciation, your existing equity won’t be eroded.

Flexible term up to 25 years

End your HESA when you choose – anytime up to 25 years.

A new solution, designed for you

A HESA is a simple financial contract. You receive cash upfront and make just one payment at the end based on how much your home has appreciated.

Learn how it works
Hi, I'm Clayton! 👋 How can I help?
Chat with Clayton BETA

Hi there! 👋 I’m Clayton, Clay Financial’s AI educator.

I’m trained to answer your questions about our Home Equity Sharing Agreement. How can I help?

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