Home equity, backed by partnership
Your next opportunity could be right at home. A Home Equity Sharing Agreement (HESA) offers an innovative way to access the equity you have built by sharing in your home's future change in value. Not a loan. No interest. No payments for up to 10 years.
See what your home equity could unlock.
Enter your postal code to get started. We’ll only ask for a few high-level details to estimate what you may be able to access through a HESA.
No monthly payments. No interest. Keep full ownership of your home.
Estimates are for illustrative purposes only and provided for discussion. Figures shown exclude legal, appraisal, and transaction costs. A HESA is offered by The Home Equity Partners Inc. (“HEQ”) to eligible homeowners, subject to applicable eligibility requirements and HEQ approval. Actual terms, proceeds, and amounts available will depend on the property appraisal, underwriting, and final approval.
A partnership designed around homeowners
Your home may be your largest financial asset, but accessing its value isn't always easy. A Home Equity Sharing Agreement (HESA) offers a flexible alternative, allowing you to access a portion of your equity today in exchange for sharing in your home's future change in value. Use the funds however you choose, with no monthly payments for up to 10 years.
You remain the full owner of your home and continue to enjoy all the same rights and privileges as before. If your home's value rises, HEQ shares in the upside. If it declines, HEQ shares in the downside. We are a partner in the outcome, not a creditor extracting payments.
We believe transparency should come standard. We clearly explain how we earn our return, what happens when your agreement ends, and the potential risks you should understand. While many financial products hide the details in the fine print, we put them front and center.
A true partnership means sharing both sides of the outcome. When your home's value grows, we participate in the upside. If it declines, we share the impact. Unlike a lender, our success is tied to the same outcome as yours.
We believe the right solution matters more than simply closing a deal. Our goal is to help you understand how a HESA works, what it could mean for your finances, and whether it aligns with your goals. There's no pressure to move forward and we'll give you the information you need to make a confident decision.
Trust matters when making an important financial decision. We understand that applying for a HESA means sharing information about your property and financial situation, and we take that responsibility seriously. We protect your information, communicate openly throughout the process, and do what we say we will do.
The process
Most homeowners are funded within 30 to 45 days. The process is built around your timeline, not ours.
- 01
Get an estimate
Run the numbers through our calculator. It takes under two minutes and has zero impact on your credit score.
- 02
Speak with our team
A member of our team will walk you through the HESA, answer every question, and be honest with you about whether a HESA is the right fit. If it isn't, we'll tell you that too.
- 03
Submit an application
Apply through our licensed underwriting partner, Perch. They'll securely collect your documents and review your application to ensure the HESA is suitable for you.
- 04
Independent appraisal
An independent, third-party appraiser will determine your home's current fair market value.
- 05
Access your funds
Once you've reviewed the HESA with your lawyer and signed the agreement, your funds will be deposited directly into your account to use as you choose.
Your home can help you get there
Access the value you've built to help fund the goals, opportunities, and milestones that matter most.
Debt consolidation
Retirement funds
Start a business
Mortgage renewal relief
Living inheritance
Invest in education
Home renovations
Buy a recreational property
Anything you can dream
The benefits, simplified
- Receive funds upfront
- No monthly payments
- No interest rates
- Flexible 10-year term
- Existing equity protected
- Keep full ownership
- Works alongside your mortgage
- Shared outcomes
Built on a belief that homeowners deserve better
HEQ began with a simple observation: the financial industry often focuses on products and transactions, while the people behind those decisions can get overlooked. We believed there was an opportunity to create something different, an organization built around listening first, acting with integrity, and putting homeowners at the center of every decision.
That belief continues to shape everything we do. From the way we communicate to the way we serve our homeowners, we are committed to building a company that earns trust and creates meaningful value for Canadians.
“I started HEQ because I believed there was a better way. One built on partnership, not payments.”
Shael Weinreb, Founder & CEO
Trusted by GTA homeowners
Hear from homeowners who chose an innovative way to access their equity and experienced the HEQ difference firsthand.
We recently worked with HEQ to tap into our home's equity through their home equity sharing program. The experience was fantastic and the process was simple and transparent. The team was professional, easy to reach, and explained everything clearly. I also liked that we could allocate the funds however we want, the arrangement is a partnership rather than simply taking on debt. We definitely recommend HEQ to anyone looking for a flexible way to access their home's equity without the stress of a traditional home equity loan with stacked monthly payments.
