Tap into your home equity with a HESA

Cash now. No debt. No monthly payments. Total flexibility.

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How will you reshape your home equity?

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.

Diversify your wealth

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

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.

Give a living inheritance

See your gift’s impact in your lifetime. Help your loved ones sooner and avoid costly estate taxes.

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.

A HESA gives you financial flexibility

Access some of your home equity now without selling your home or taking on debt.

WHAT IS A HESA?

Receive cash upfront

Stay in your home

No monthly payments

No interest rates

Existing equity protected

Flexible term up to 25 years

The smarter alternative to debt

Clay Financial is your partner in home equity, not a lender. Like you, we see the future potential of your home. We invest alongside you with our HESA, sharing in the change in your home’s value. Upside and downside, we’re in this together. We win when you win.

More flexible than a HELOC

No monthly payments. No worrying about interest rates. No effect on your credit score.

HESA vs HELOC

Less risky than a reverse mortgage

Your existing equity is protected. Payment is tied to equity accessed and your home’s appreciation, not an interest rate.

HESA vs Reverse Mortgage

Innovation for Canadian homeowners

A HESA is a simple financial contract letting you access your hard-earned equity.

How does it work?

Receive a lump-sum cash payment at the start representing a portion of your home’s value.

Live in your home and make no payments for up to 25 years.

Pay only at the end based on how much equity you accessed initially and the change in your home’s value since then.

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