How Equity Sharing Works

Get your initial estimate

Tell us about yourself and your home and financing needs. Our team will provide you with an initial estimate for free.

Receive the best offer

Our team will combine the data from your online application and your home appraisal to provide you with our best offer.

You are paid

Once you accept the offer, our team will file the necessary documents and transfer the money directly into your bank account.

Repay on your terms

Pay the loan back when you sell your home, perform a cash-out refinance, or at any time up to the contract expiry. You are in full control of your schedule, with no prepayment penalty.

A true partnership

You are paid up to 20% of your home’s value. It’s not a gift. Investors are making a homeownership investment in your home. In return, investors receive a share of any appreciation or depreciation in your home’s price at the time it is sold. This is not a loan, so no interest is charged , and investors don’t receive monthly payments. Instead,investors hope to earn a profit when you sell your home. You can also buy the investors out. The investors will let you know their specifics.

The easiest way to understand is through an example. We’ll show you how a deal could resolve in three scenarios.

Current Home Value: 500,000. Investment: $50,000. Share of Change in Value: 35%.

	CURRENT HOME VALUE	FUTURE SALE PRICE	CHANGE IN VALUE	SHARE OF CHANGE IN VALUE	PAYMENT TO INVESTOR
Home has gained value	$500,000	$600,000	+$100,000	+$35,000	$85,000: $50,000 invested plus $35,000 profit
Home has lost value	$500,000	$400,000	–$100,000	-$35,000	$15,000: $50,000 invested minus $35,000 loss
Home value has stayed the same	$500,000	$500,000	$0	$0	$50,000: No profit

The return on investment comes only from a share of the change in value of the home. All home equity you create by paying down your mortgage belongs to you. The table below demonstrates this.

Mortgage Amount: $250,000

	CURRENT HOME VALUE	FUTURE SALE PRICE	CHANGE IN VALUE	SHARE OF CHANGE IN VALUE	PAYMENT TO INVESTOR	PAYMENT TO LENDER	GROSS SALES PROCEEDS TO YOU
Home has gained value	$500,000	$600,000	+$100,000	+$35,000	$85,000 $50,000 invested plus $35,000 profit	$200,000	$315,000
Home has lost value	$500,000	$400,000	-$100,000	-$35,000	$15,000 $50,000 invested minus $35,000 loss	$200,000	$185,000
Home value has stayed the same	$500,000	$500,000	$0	$0	$50,000 No profit	$200,000	$250,000

Each investor has their own methods, and they will explain how they work with you on your unique situation.

Please go to our secured (SSL) form, and tell us about your property.

Note that after you have spoken with the Equity Share Investor, if you wish to work with us on investments, you will need to then contact us.