The advantages of Fraction’s Appreciation Mortgage

No monthly payments or exit penalties. Never pay an unfair interest rate. Stay in the home you love.

Apply now

How does Fraction’s
Appreciation Mortgage work?

Fraction’s Appreciation Mortgage allows you to convert up to 40% of your home equity into tax-free cash.
See how we compare ›

Put your home equity to work

Unlock up to 1.5M of your home equity to pay for home renovations, cover retirement expenses or to invest in other avenues. The choice is yours.

Never make a monthly payment

Without the added pressure of monthly payments, you can cover additional expenses and live every day with greater financial flexibility.

Stay in the home you love

We keep your rates fair and transparent so you can stay in your home longer.

Always pay a fair rate

With an Appreciation Mortgage from Fraction, your interest rate is tied to the changing value of your home.

You’re protected from market slumps

Over the course of your term, if the value of your home only increases by a small amount or even decreases, we automatically drop your interest rate to our bare minimum to protect your home equity.

Build more wealth

Over the course of your term, if the value of your home appreciates beyond a certain threshold, we’ll cap your interest rate so you hold onto more of your gains.

Any questions?

We're here to help answer any questions you may have. Learn more about what Fraction can do for you.

Visit FAQ›

We keep things simple

1

APPLY

Get an estimate to find out how much money you can unlock.

2

APPROVE

After a quick credit check and official appraisal of your home, we’ll send you an agreement for your review.

3

RECEIVE FUNDS

And just like that, you’ll have up to 40% of your hard-earned equity at your disposal. Spend it, save it, or invest it.

4

CHECK-IN

Every 5 years, we’ll renew our agreement or you can buy us out at no additional cost, at any time.

Get an estimate

Unlock more possibilities

Access up to 40% 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.”

Explore programs