Invest in the appreciation of residential real estate.
Your capital provides up to 15% of a Buyer's down payment.
You share the home's appreciation with the Buyer 50/50.
The Buyer pays the mortgage and maintains the home.
After 5 years, the Buyer refinances with equity they have earned and buys out your stake. You exit with a 15 - 20% IRR.*
*Returns aren't guaranteed. These returns assume 5 - 7% appreciation annually.
Qualify with HomeRise.
You must be an accredited investor.
Complete our investor questionnaire to determine your eligibility.
Pay in your capital
We will match you with a Buyer on a forthcoming purchase. You contribute your capital in time for the purchase to close.
Watch your investment grow.
We will provide annual updates on the value of your investment. We also provide support programs to your Buyer to ensure the property is well maintained and appreciates.
Realize your return.
After a 5 year, carefree term. Your Buyer refinances their mortgage and buys out your stake.
How it works
The HomeRise model
Value at purchase:
$750,000
Buyer down payment
$37,500
​
Investor contribution
$112,500
​
Mortgage
$600,000
Here is an example using a $750,000 purchase where you contribute $112,500 down.
Value after 5 years:
$950,000
Buyer payout
$150,000
​
Investor payout
$250,000
​
Mortgage
$550,000
Breaking down your investment.
Your investment is broken down into two instruments.
5%
Home Equity
This portion of your investment matches the Buyer's down payment and allows you to participate in the home's appreciation.
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Typically 5% of purchase price.
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You earn $0.50 of every dollar of appreciation in the property.
10%
Investor Loan
The rest of your capital becomes a loan that sits senior to home equity and junior to the Buyer's bank mortgage.
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Typically 10% of purchase price.
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Earns 7% interest annually.
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Interest is accrued and paid out when investor exits.
Why does this work?
Why buy
The average Canadian can save $640/month towards a down payment. At this rate, it will take another 3.5 years to buy a $750,000 home that they can buy with HomeRise today.
Why invest
You can earn up to a 20% annual return from sharing equity in a Buyer's home.
Who pays us?
HomeRise charges investors monthly management fees based on contributed capital. We also earn a share of investor return. Buyers pay management fees monthly then recoup them when the Investor exits.