Category Knowledge Base
Helpful information for homeowners about our Home Equity Sharing Agreement (HESA).
Understanding Fair Market Value Appraisals

What is an FMV appraisal? A fair market value (FMV) appraisal in an unbiased estimate of what a property would sell for in an open and competitive market. An FMV appraisal takes in factors like location, condition and recent comparable…
Your Home’s Capital Stack: The Key to Financial Flexibility

You’ve worked hard for years and your home is likely your most significant asset. It represents dedication, memories and a cornerstone of your financial life. But is that hard-earned equity working as effectively for you as it could be, especially…
Beyond Interest Rates: Hidden Mortgage Loan Features and Their Impact on You

You know about fixed versus variable interest rates but what about the rest of the terms of your mortgage loan? These often-overlooked details can help or hinder your financial flexibility, especially when considering options for secondary financing, like a Home…
From Extra Space to Extra Cash: The GTA Homeowner’s Intro to Basement Suites

A basement suite allows homeowners to transform an under-used space into a valuable asset. Not only can it generate rental income or provide expanded living arrangements for multi-generational families, but it also increases your home’s value and marketability. A finished…
7 Ways To Access Your Home Equity in Canada

Whether you want to retire comfortably, renovate your home, consolidate debt, start a business, help your kids with a down payment on their first home or diversify your investments, the equity in your home could be the key to making…