The fairest way to access your home equity

Unlock up to $1.5M of your home equity while staying in the home you love. Plus, there are no monthly payments or unfair interest rates.

Get an estimateLearn more ›
Featured on

Homeowners can get up to $1.5M

Looking to diversify your home equity?

Tax-free cash can be used in any investment.

Learn more ›

Planning or already retired?

Fraction can help with a steady income stream.

Learn more ›

Need an avenue for debt relief?

Use Fraction as a way of tackling your debt.

Learn more ›

Why homeowners choose Fraction

Fraction is fair

We keep your interest rate low if the market is low, keeping more money in your pocket.

Learn more ›

Fraction is flexible

No monthly payments and you can sell whenever without penalty.

Learn more ›

Fraction is smart

We’re a stable solution for a changing housing market.

Learn more ›

Fraction is resilient

Spend less on interest, spend more time in the home you love.

Learn more ›

Where Fraction operates today

Fraction currently operates in British Columbia, Ontario, and Washington state. Not in those locations? You can still apply and join our waitlist to find out when we launch in your area!

It's fast, easy, and transparent

That’s because our platform is easy to use and built by some really smart people. If you need a fast solution, we can help. But if you have a moment, please take all the time you need to compare your options.
Compare options ›

See for yourself

Imagine your home is worth $1,000,000 at signing and you
receive $300,000 in cash with a Fraction Appreciation Mortgage.

Interested in seeing what Fraction’s Appreciation Mortgage looks like for your home?

Get an estimate

Unlock more possibilities

Access up to 50% of your hard-earned equity in tax-free cash without selling your home. Our motto is “spend a little, invest a lot, and save some for a rainy day.”

Explore programs