The information you need to make a confident decision.
Home Equity Sharing is a new category. We believe informed homeowners make better decisions — and we've built this resource library to make sure every visitor leaves knowing more than when they arrived.
Start here.
Everything you need to understand a Home Equity Sharing Agreement and decide if it is right for you.
HESA Overview: How It All Works
The complete step-by-step guide to the HEQ process: from initial inquiry to funding to settlement. Clear, plain language, no jargon.
Read the guideCheck Your Eligibility
Use our interactive calculator to estimate your advance potential and confirm whether your property meets HEQ's core criteria.
Use the calculatorFrequently Asked Questions
Straight answers to the questions we hear most often: on product structure, fees, eligibility, timelines, and what happens at settlement.
Browse the FAQHESA vs. HELOC
A detailed side-by-side comparison of a Home Equity Sharing Agreement and a traditional Home Equity Line of Credit.
See the comparisonHESA vs. Reverse Mortgage
How does a HESA compare to a reverse mortgage from HomeEquity Bank? The differences are significant — and worth understanding before you decide.
See the comparisonWho Uses a HESA and Why
Four real-world homeowner scenarios where a Home Equity Sharing Agreement provided a solution that traditional lending could not.
Read the scenariosFind what's relevant to you.
Retirement Planning
Supplementing fixed income with home equity — without monthly payments, interest, or leaving your home.
Self-Employed
Accessing equity when complex income documentation blocks traditional lending options.
Mortgage Renewal Pressure
Using equity to consolidate debt before a renewal at higher rates — keeping the monthly payment manageable.
Debt Consolidation
Using a lump sum to clear high-interest debt and improve monthly cash flow without adding a new loan.
From the HEQ blog.
Practical articles on home equity, Ontario real estate, and the tools available to homeowners navigating a changing market.
What is a Home Equity Sharing Agreement? A Plain-Language Guide for Ontario Homeowners
The complete breakdown of what a HESA is, how it differs from a loan, and who it's designed for — in language that doesn't require a finance degree.
HELOC vs. HESA vs. Reverse Mortgage: Which Option Is Right for You?
A practical framework for choosing between the three primary home equity access tools available to Ontario homeowners in 2025.
Mortgage Renewal Pressure in Ontario: What Your Options Are Before You Renew
As hundreds of thousands of Ontario homeowners face renewal at significantly higher rates, here are the tools available to make renewal more manageable.
The Equity-Rich, Cash-Poor Retiree: Why Home Equity Sharing Was Built for This Moment
Canadian retirees hold more wealth in their homes than in any other asset. A HESA may be the tool that finally makes it accessible — without leaving home.
Self-Employed and Equity-Rich: Accessing Capital When the Banks Won't Cooperate
Why traditional lenders struggle to serve self-employed homeowners — and how a HESA's equity-first underwriting approach changes the calculus.
Understanding the 3-Year Blackout Period in a Home Equity Sharing Agreement
One of the key homeowner protections in an HEQ HESA is the 3-year blackout on downside participation. Here is what it means and why it matters.
Ready to explore your options?
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