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.

Homeowners can get up to $1.5M

Need an avenue for debt relief?

Use Fraction as a way of tackling your debt.
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Diversifying your home equity?

Tax-free cash can be used in any investment.
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Planning or already retired?

Fraction can help with a steady income stream.
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Why homeowners choose Fraction

Fraction is


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


No monthly payments and you can sell whenever without penalty.
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Fraction is


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


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

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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