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Easy as 1… 2… that’s it!

At the start, we pay you. At the end, you pay us. In between, enjoy all of life’s happy moments in your home.

Get an estimate

Built to give you financial flexibility

We are your home equity partner, not a lender. We share in the upside and the downside. We win when you win, so our interests are aligned.

Unlock your equity

Receive a lump-sum, tax-free cash payment representing a portion of your home’s value today, up to 17.5% or $500,000. Use the funds how you choose.

Live in your home

Live in your home throughout the term of the HESA and do the things you’re already doing as a responsible homeowner, like paying your property taxes.

Exit on your terms

Sell your home anytime or buy back our interest anytime after the first 5 years. With a HESA, you decide how long we’re partners (up to 25 years).

Backed by independent appraisals

Building fairness and transparency into everything we do.

We don’t determine the value of your home – that wouldn’t be fair. We use a network of independent accredited professionals to appraise and inspect your home to arrive at a starting fair market valuation.

We apply a risk adjustment rate – typically 5% – to your home’s initial appraised value to reflect the inherent uncertainty in any valuation and the fact you’re not actually selling your home.

We’ll arrange for another independent appraisal when you decide to end your HESA to ensure we’re calculating your HESA payment based on your home’s fair market value.

Flexible term

Our HESA has an open 25-year term, meaning you can end it anytime without penalty. * Certain events will trigger the end of your HESA, such as:

If you sell your home

If you buy out our interest **

If all homeowners have passed

At the end of 25 years

* We will not share in any depreciation of your home if you end your HESA in its first 5 years or buy out our interest.
** Available after the first 5 years of your HESA.

A smarter option for Canadian homeowners

If you own your home, you may be eligible for a HESA, even if you have a mortgage.

Who is eligible?