https://www.theheqpartners.com/assets/routes-B1edBY4y.js

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To secure the obligations of the homeowner under the Home Equity Sharing Agreement (HESA), The Home Equity Partners Inc. (HEQ) registers a mortgage against title to the Property. Notwithstanding the registration of a mortgage against the Property, HEQ is not a licensed mortgage broker and does not offer, arrange or administer mortgages, or participate in mortgage brokering activity and HESAs do not constitute a mortgage. HEQ works with and arranges HESAs and the related transaction through licensed mortgage brokers. All HESA transactions are subject to eligibility requirements in HEQ’s sole and absolute discretion, independent property appraisal, third-party underwriting, and applicable Ontario laws and regulations.`})})]})}function L(){let e=[{quote:`We recently worked with HEQ to tap into our home’s equity through their home equity sharing program. The experience was fantastic and the process was simple and transparent. The team was professional, easy to reach, and explained everything clearly. I also liked that we could allocate the funds however we want, the arrangement is a partnership rather than simply taking on debt. We definitely recommend HEQ to anyone looking for a flexible way to access their home’s equity without the stress of a traditional home equity loan with stacked monthly payments.`,name:`Alp & Maryam`,role:`Vaughan Homeowners`},{quote:`HEQ made accessing our home equity simple, transparent, and stress-free. An incredible team with an innovative solution. We wouldn’t he

1sitate to recommend HEQ to any homeowner looking for a smarter, more flexible financial solution.`,name:`Carmen`,role:`Oakville Homeowner`},{quote:`I found the overall process to be exceptionally straightforward and efficient. I particularly want to commend Shael Weinreb for his outstanding assistance. He provided clear and comprehensive explanations, ensuring that all aspects of the HESA were communicated in an easily understandable manner. His professionalism and effective communication greatly contributed to a very positive experience. Thank you to Shael and HEQ for an excellent experience from day one.`,name:`Josie`,role:`Mississauga Homeowner`},{quote:`Shael and his team do phenomenal work. When I was introduced to this product I had so many questions and concerns. He personally called and answered every single one and went above and beyond to make sure I was comfortable before moving forward. They are not your typical money hungry lenders. Shael truly cares and wants his clients’ financial future brighter. I know I am in good hands and would recommend HEQ to anyone seeking mortgage flexibility. Thanks again Shael and Jimmy.`,name:`Gia`,role:`Vaughan Homeowner`},{quote:`Working with HEQ has allowed me to offer another tool that is very different in the Canadian financing space. Their product is flexible, competitive, and delivers great outcomes for homeowners that helps their cashflow as most Canadians are in need of in the market. The team is also responsive, knowledgeable and truly collaborative. From submission to funding, the process was seamless and surprisingly fast. If you’re a mortgage broker looking for a reliable partner you can trust with your clients, I highly recommend sending business to HEQ.`,name:`Anne Brill`,role:`Mortgage Broker`}],[t,n]=(0,k.useState)(0),r=e.length,i=e=>n(t=>(t+e+r)%r),a=e[t];return(0,A.jsx)(`section`,{className:`testimonials`,children:(0,A.jsxs)(`div`,{className:`container`,children:[(0,A.jsxs)(`div`,{className:`testi-header fade-in visible`,children:[(0,A.jsx)(`h2`,{children:`Trusted by GTA homeowners`}),(0,A.jsx)(`p`,{children:`Hear from homeowners who chose an innovative way to access their equity and experienced the HEQ difference firsthand.`})]}),(0,A.jsxs)(`div`,{className:`testi-layout fade-in visible fd2`,children:[(0,A.jsxs)(`div`,{className:`testi-card testi-card-video`,children:[(0,A.jsx)(`video`,{className:`testi-video-el`,src:`${S.url}#t=0.1`,controls:!0,playsInline:!0,preload:`metadata`,"aria-label":`David Royle video testimonial`}),(0,A.jsx)(`div`,{className:`testi-footer`,children:(0,A.jsxs)(`div`,{children:[(0,A.jsx)(`div`,{className:`avatar-name`,children:`David Royle`}),(0,A.jsx)(`div`,{className:`avatar-role`,children:`Toronto Homeowner`})]})})]}),(0,A.jsxs)(`div`,{className:`testi-card testi-card-quote`,"aria-live":`polite`,children:[(0,A.jsx)(`div`,{className:`stars`,children:`★★★★★`}),(0,A.jsx)(`p`,{className:`quote`,children:a.quote}),(0,A.jsx)(`div`,{className:`testi-footer`,children:(0,A.jsxs)(`div`,{children:[(0,A.jsx)(`div`,{className:`avatar-name`,children:a.name}),(0,A.jsx)(`div`,{className:`avatar-role`,children:a.role})]})}),(0,A.jsxs)(`div`,{className:`carousel-nav`,children:[(0,A.jsx)(`button`,{className:`c-btn`,onClick:()=>i(-1),"aria-label":`Previous testimonial`,type:`button`,children:`←`}),e.map((e,r)=>(0,A.jsx)(`button`,{className:`c-dot`+(r===t?` active`:``),onClick:()=>n(r),"aria-label":`Show testimonial from ${e.name}`,type:`button`},e.name)),(0,A.jsx)(`button`,{className:`c-btn`,onClick:()=>i(1),"aria-label":`Next testimonial`,type:`button`,children:`→`})]})]})]})]})})}var R=[{title:`Transparency`,text:`We believe transparency should come standard. We clearly explain how we earn our return, what happens when your agreement ends, and the potential risks you should understand. While many financial products hide the details in the fine print, we put them front and center.`},{title:`Partnership`,text:`A true partnership means sharing both sides of the outcome. When your home’s value grows, we participate in the upside. If it declines, we share the impact. Unlike a lender, our success is tied to the same outcome as yours.`},{title:`Education`,text:`We believe the right solution matters more than simply closing a deal. Our goal is to help you understand how a HESA works, what it could mean for your finances, and whether it aligns with your goals. There’s no pressure to move forward and we’ll give you the information you need to make a confident decision.`},{title:`Trust`,text:`Trust matters when making an important financial decision. We understand that applying for a HESA means sharing information about your property and financial situation, and we take that responsibility seriously. We protect your information, communicate openly throughout the process, and do what we say 

1we will do.`}],z=[{label:`Receive tax-free funds upfront`,Icon:O},{label:`No monthly payments`,Icon:C},{label:`Existing equity protected`,Icon:D},{label:`Works alongside your mortgage`,Icon:p},{label:`Keep full ownership`,Icon:f},{label:`No interest rates`,Icon:E},{label:`Flexible 10-year term`,Icon:w},{label:`Shared outcomes`,Icon:T}],B=[{label:`Debt consolidation`,Icon:p},{label:`Retirement funds`,Icon:m},{label:`Start a business`,Icon:o},{label:`Mortgage renewal relief`,Icon:r},{label:`Living inheritance`,Icon:i},{label:`Invest in education`,Icon:s},{label:`Home renovations`,Icon:a},{label:`Buy a recreational property`,Icon:h},{label:`Anything you can dream`,Icon:c}];function V(){return(0,A.jsxs)(`div`,{className:`home-page`,children:[(0,A.jsx)(`section`,{className:`hero`,children:(0,A.jsxs)(`div`,{className:`hero-inner`,children:[(0,A.jsxs)(`div`,{className:`hero-copy`,children:[(0,A.jsxs)(`h1`,{className:`hero-enter he2`,children:[`Home equity, backed by `,(0,A.jsx)(`span`,{className:`accent-gold`,children:`partnership`})]}),(0,A.jsx)(`p`,{className:`hero-body hero-enter he3`,children:`Your next opportunity could be right at home. A Home Equity Sharing Agreement (HESA) offers an innovative way to access the equity you have built by sharing in y

1our home’s future change in value. No interest. No payments for up to 10 years. It’s a partnership, not debt.`}),(0,A.jsxs)(`div`,{className:`hero-ctas hero-enter he4`,children:[(0,A.jsx)(`a`,{href:`#estimator`,className:`btn btn-primary`,children:`Explore the possibilities`}),(0,A.jsx)(`a`,{href:`/access-your-equity#partner-in-the-outcome`,className:`btn btn-outline`,children:`See how it works`})]}),(0,A.jsxs)(`div`,{className:`hero-trust hero-enter he4`,children:[(0,A.jsxs)(`div`,{className:`trust-item`,children:[(0,A.jsx)(F,{}),`No monthly payments`]}),(0,A.jsxs)(`div`,{className:`trust-item`,children:[(0,A.jsx)(F,{}),`No interest rates`]}),(0,A.jsxs)(`div`,{className:`trust-item`,children:[(0,A.jsx)(F,{}),`Keep full ownership`]}),(0,A.jsxs)(`div`,{className:`trust-item`,children:[(0,A.jsx)(F,{}),`Greater Toronto Area`]})]}),(0,A.jsxs)(`div`,{className:`hero-partner-lockup hero-enter he4`,children:[(0,A.jsx)(`span`,{children:`A trusted partner of`}),(0,A.jsx)(`img`,{src:_.url,alt:`Sleep Country Canada logo`,loading:`lazy`})]})]}),(0,A.jsx)(`div`,{className:`hero-visual hero-enter he5`,children:(0,A.jsx)(`div`,{className:`hero-house-photo`,children:(0,A.jsx)(`img`,{src:M.url,alt:`Family eating breakfast together at home`,loading:`eager`})})})]})}),(0,A.jsx)(I,{}),(0,A.jsx)(x,{}),(0,A.jsx)(`section`,{className:`overview`,children:(0,A.jsx)(`div`,{className:`container`,children:(0,A.jsxs)(`div`,{className:`overview-full fade-in visible`,children:[(0,A.jsxs)(`div`,{className:`overview-content overview-centered`,children:[(0,A.jsx)(`h2`,{children:`A partnership designed around homeowners`}),(0,A.jsx)(`p`,{style:{marginTop:`1.25rem`},children:`Your home may be your largest financial asset, but accessing its value isn’t always easy. A Home Equity Sharing Agreement (HESA) offers a flexible alternative, allowing you to access a portion of your equity today in exchange for sharing in y

1our home’s future change in value. Use the funds however you choose, with no monthly payments for the full 10-year term.`}),(0,A.jsx)(`p`,{children:`You remain the full owner of your home and continue to enjoy all the same rights and privileges as before. If your home’s value rises, HEQ shares in the upside. If it declines, HEQ shares in the downside. We are a partner in the outcome, not a creditor extracting payments.`}),(0,A.jsx)(`div`,{className:`pillars`,children:R.map(e=>(0,A.jsxs)(`div`,{className:`pillar`,children:[(0,A.jsx)(`div`,{className:`pillar-title`,children:e.title}),(0,A.jsx)(`p`,{className:`pillar-text`,children:e.text})]},e.title))})]}),(0,A.jsx)(`div`,{className:`pillars-note-cta`,children:(0,A.jsx)(`a`,{href:`/access-your-equity`,className:`btn btn-primary`,children:`See how it works`})})]})})}),(0,A.jsx)(j,{}),(0,A.jsx)(u,{}),(0,A.jsx)(`section`,{className:`capabilities`,children:(0,A.jsxs)(`div`,{className:`container`,children:[(0,A.jsxs)(`div`,{className:`cap-header fade-in visible`,children:[(0,A.jsx)(`h2`,{children:`Your home can help you get there`}),(0,A.jsx)(`p`,{children:`Access the value you’ve built to help fund the goals, opportunities, and milestones that matter most.`})]}),(0,A.jsx)(`div`,{className:`cap-grid cap-grid-tiles`,children:B.map(({label:e,Icon:t})=>(0,A.jsx)(`div`,{className:`cap-tile`,children:(0,A.jsxs)(`div`,{className:`cap-tile-inner`,children:[(0,A.jsx)(`span`,{className:`cap-tile-badge`,"aria-hidden":`true`,children:(0,A.jsx)(t,{strokeWidth:1.6})}),(0,A.jsx)(`h3`,{children:e})]})},e))})]})}),(0,A.jsx)(`section`,{className:`benefits-band`,children:(0,A.jsx)(`div`,{className:`container`,children:(0,A.jsxs)(`div`,{className:`benefits-grid fade-in visible`,children:[(0,A.jsx)(`div`,{className:`benefits-photo`,children:(0,A.jsx)(`img`,{src:N.url,alt:`Homeowner relaxing in the living room of their home`,loading:`lazy`})}),(0,A.jsxs)(`div`,{className:`benefits-panel`,children:[(0,A.jsx)(`h2`,{children:`The benefits, simplified`}),(0,A.jsx)(`ul`,{className:`benefits-tiles`,children:z.map(({label:e,Icon:t})=>(0,A.jsxs)(`li`,{children:[(0,A.jsx)(t,{strokeWidth:1.7,"aria-hidden":`true`}),e]},e))})]})]})})}),(0,A.jsx)(`section`,{className:`founder-story fade-in visible`,children:(0,A.jsxs)(`div`,{className:`container`,children:[(0,A.jsx)(`h2`,{className:`founder-heading`,children:`Built on a belief that homeowners deserve better`}),(0,A.jsxs)(`div`,{className:`founder-grid`,children:[(0,A.jsxs)(`div`,{className:`founder-copy`,children:[(0,A.jsxs)(`p`,{children:[`HEQ began with a simple observation: financial products are often designed around transactions, not the people they are meant to serve. We believed there was an opportunity to create something different, an organization built around listening first, acting with integrity, and putting homeowners at the center of every decision.`,(0,A.jsx)(`br`,{}),(0,A.jsx)(`br`,{}),`That belief continues to shape everything we do. From the way we communicate to the way we support our homeowners, we are committed to building a company that earns trust and creates meaningful value for Canadians.`]}),(0,A.jsx)(`p`,{className:`founder-quote`,children:`“I started HEQ because I believed there was a better way. One built on partnership, not payments.”`}),(0,A.jsx)(`p`,{className:`founder-sig`,children:`Shael Weinreb, Founder & CEO`})]}),(0,A.jsx)(`div`,{className:`founder-video`,children:(0,A.jsx)(`video`,{className:`founder-video-el`,src:`${P.url}#t=0.1`,controls:!0,playsInline:!0,preload:`metadata`,"aria-label":`Shael Weinreb’s video story`})})]})]})}),(0,A.jsx)(L,{}),(0,A.jsx)(`div`,{className:`partners`,children:(0,A.jsx)(`div`,{className:`container`,children:(0,A.jsxs)(`div`,{className:`partners-inner fade-in visible`,children:[(0,A.jsx)(`span`,{className:`partners-label`,children:`Trusted corporate partners`}),(0,A.jsxs)(`div`,{className:`partners-logos`,children:[(0,A.jsx)(`div`,{className:`partner-item partner-item--large`,children:(0,A.jsx)(`img`,{src:_.url,alt:`Sleep Country Canada logo`,loading:`lazy`})}),(0,A.jsx)(`div`,{className:`partner-item`,children:(0,A.jsx)(`img`,{src:y.url,alt:`Jiffy logo`,loading:`lazy`})}),(0,A.jsx)(`div`,{className:`partner-item`,children:(0,A.jsx)(`img`,{src:v.url,alt:`Perch Capital logo`,loading:`lazy`})})]})]})})}),(0,A.jsxs)(b,{title:(0,A.jsxs)(A.Fragment,{children:[`See what your home can `,(0,A.jsx)(`span`,{className:`accent-gold`,children:`make possible`})]}),children:[(0,A.jsx)(`a`,{href:`#estimator`,className:`btn btn-primary`,children:`Get my free estimate`}),(0,A.jsx)(`a`,{href:`/contact`,className:`btn btn-outline`,children:`Book a call with our team`})]})]})}export{V as component};