Your path to home ownership starts here.
We match you with an investor to reach a 20% down payment.
You share the home's appreciation with the investor 50/50.
You pay the mortgage and keep the principal you pay.
After 5 years, buy out your investor (with equity you've earned) or sell.
Qualify with Rise.
Complete our questionnaire and we will match you with an investor. We also provide criteria to help you find your dream home.
Buy, close, and move in.
Once you have an accepted offer, we work with your investor and lender to ensure a smooth close. Then it's moving day!
Watch your equity grow.
Sit back and enjoy your dream home. We'll check in each year to make sure everything is running smoothly.
Buy out your investor or sell.
Your mortgage is refinanced and the investor is paid out. You now own 100% of your home!
How it works
Buyer down payment
$37,500
​
Investor contribution
$112,500
​
Mortgage
$600,000
The Rise model
You find your dream home for $750,000 and have $37,500 for a down payment. Check out how your equity grows through a RiseEquity purchase.
Value at purchase:
$750,000
Value after 5 years:
$950,000
Buyer payout
$150,000
​
Investor payout
$250,000
​
Mortgage
$550,000
Why shared equity?
Why buy
The average Canadian can save $640/month towards a down payment. At this rate, it will take you another 3.5 years to buy a $750,000 home that you can buy with Rise today.
Why invest
Investors can earn up to a 19% annual return from sharing equity in your home.
Who pays us
We are a free service for buyers. Rise charges investors a small monthly fee to manage their investment, and we share in their appreciation.
Wouldn't I be better off buying on my own?
The simple answer is: no. Unless you can buy your dream home on your own today, Rise is a better option. Let's break down the numbers on a $750,000 home.
Your dream home:
$750,000
Purchase with Traditional Mortgage:
-
Minimum down payment = $50,000
-
Monthly payment = $4,800
​
Purchase with Rise:
-
Minimum down payment = $37,500
-
Monthly payment = $4,100
Same home after 3.5 years:
$889,000
Purchase with Traditional Mortgage:
-
Minimum down payment = $64,000
-
Monthly payment = $5,600
​
3.5 years since Rise Purchase:
-
Equity in your home = $153,000
-
Monthly payment = $4,100
5 Years from Today:
$960,000
1.5 years since Traditional Purchase:
-
Equity in your home = $130,000
​
​
5 years since Rise Purchase:
-
Equity in your home = $212,000
-
Time to buyout your investor!
Tell me more...
You can either purchase your dream home through RiseEquity today and in 5 years from now your equity will be worth $212,000. Or if you save $650 every month you can purchase the same home in 3.5 years with a monthly payment $1,600 higher than if you bought with us.
5 years from your Rise purchase, you will have 60% more equity than if you save and make a traditional purchase.