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

Looking to diversify your home equity?

Tax-free cash can be used in any investment.

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Planning or already retired?

A Fraction Mortgage can help with a steady income stream.

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Need an avenue for debt relief?

Use a Fraction Mortgage as a way of tackling your debt.

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Why homeowners choose Fraction

Fraction is fair

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

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Fraction is flexible

No required monthly payments or penalties.

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Fraction is smart

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

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Fraction is resilient

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 (coming soon) 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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Fairness-based pricing

Fraction uses the Zillow Home Value Index for your ZIP code to track the value of your home over time. Enter your zip code below to compare your property growth to Fraction's rate for your area.

Interested in seeing what a Fraction Mortgage looks like for your home?

Get an estimate

Unlock more possibilities

Access up to 44% 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.”