Warm and welcoming flower banner
Rated Excellent by 10,000+ Canadian Homeowners

Access Up to $500K with No Monthly Payments

Join thousands of Canadian homeowners who have unlocked their home equity with SmartLend HomeSaver® Equity—no income requirements, no monthly payments, no stress.

What is HomeSaver® Equity?

Access up to $500K upfront with no monthly payments by sharing a portion of your home’s future appreciation value. Keep complete ownership of your home—no risk of losing it.

Why Choose HomeSaver® Equity?

  • No monthly payments—ever

  • No income requirements

  • No perfect credit needed

How It Works

Receive a lump sum today:

Use your funds for any purpose, from paying off debt to funding renovations or retirement plans.

No payments for up to 30 years:

Enjoy a 30-year term with no penalties. You can buy back your equity at any time while maintaining full control of your home.

Decide your exit strategy:

Pay back based on your home's value. If it appreciates, share the gains; if it depreciates, pay back less.

No Monthly Payments | No Income Requirements | No Credit Checks

SmartLend HomeSaver® Equity helps Canadians unlock their home equity safely and confidently.

You’ve worked hard to build your home equity. Now, make it work for you with a financial solution designed for your peace of mind.

Disclaimer: No payment mortgage applies to eligible reverse mortgage products. Consult a licensed mortgage broker for all mortgage inquiries.