Put your mortgage payments on pause.

Unlock your equity. No mortgage payments for up to {{term_length_word}} years with no prepayment penalties for properties in British Columbia, Ontario, and Alberta.

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Trustpilot Stats
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What can I say, very helpful staff and made sure you understood the contract. They outlined the process and timelines so everything went smoothly.

Manny A.

Life changing. Amazing for someone who is self-employed with equity available.


The process was unbelievably quick. I was a little disappointed in the appraisal but everything else was perfect. I'm extremely happy.

Robert W.

The underwriter was amazing on this! He helped us guide the client through the entire process and answered any questions

Julie B.

I had a very positive experience and would highly recommend using fraction.

Cathy L.

Why homeowners choose Fraction

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Live payment free

There's no monthly payments with a Fraction mortgage. Even better? No prepayment penalties.

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Tackle debt

Reduce how much you spend on paying back debt by up to 50% by eliminating monthly payments.

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Diversify your income

Use your home equity to invest, purchase an investment property, or even fund a new business venture.

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Purchase a second home

Let your home equity fund a second or vacation home, or even invest in your child’s first home.

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Retirement, on your terms

Create a steady income stream, age in place or even renovate an existing home.

Ready to live payment free?
Get started

...and why they stay with Fraction

No monthly payments, flexible terms, and no prepayment penalties.
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Interest rate is fixed and won't change over your {{term_length}} year term.
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Fraction works with your primary residence.
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Our process

Our platform makes it easy to achieve your financial goals. 100% online or over the phone.



In just 5 minutes, get an estimate of how much equity you can unlock with a payments-free fully open {{term_length}} year mortgage. It’s completely free and won’t affect your credit score.




After a credit check and application review, we’ll send you an agreement for your review. Once reviewed and following an official home appraisal, we'll confirm your loan details.



Receive funds

And just like that, you can tap into your home equity and not have to worry about making mortgage payments for up to {{term_length}} years. Spend it, save it, or invest it.

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At the end of year {{term_length_word}}, your Fraction mortgage will become due. In most cases, people will refinance into more traditional mortgage products, downsize or sell, or use other investments to pay out the difference.

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Want a full breakdown of our process?

Visit the cost page
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We’re making a lot of people happy

Trustpilot Stats
We were very pleased with Fraction

We were very pleased with Fraction. We were looking for a reverse mortgage but told we didn't qualify. Fractions is the same idea but has better options. We were explained everything thoroughly and could easily contact them when we had questions. We were always treated with respect. Completely satisfied!!!

James & Wendy
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Excellent Option

A fair, flexible and life changing option. Highly recommend Fraction.

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Excellent service.

Excellent service. Everything was executed perfectly great communication skills with fraction in my mortgage broker and lawyers it certainly has given me great comfort to have switched to fraction. The product that fraction offered me was the perfect solution I am so happy that I made this choice.

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An Ideal Product and Process

I find this product (being able to access equity and not having to make monthly payments) as ideal for my financial situation at the present time. The process was extremely seamless to follow, and the human interaction was cordial and efficient.

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We found Fraction through our broker

We found Fraction through our broker. What an amazing product! We are mortgage free and purchased a 2nd property but weren't prepared to start making huge mortgage payments again. This worked perfectly for us.

A. Johns
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Just what we needed when we needed it

My family and I were able to tap into the value in our home, which was not available to us through standard lenders/banks. So far our expected interest rate is holding as the central bank tackles inflation and raises rates. This innovative product allowed us to get into a home we own and bought us time to get our financial circumstance to where we could access traditional lending. Just what we needed when we needed it

Charles C.
Trustpilot Stats
What an unbelievable deal!

I still can’t believe this incredible deal I got which made it possible to purchase my retirement dream home. I have been telling everyone I know about Fraction and recommending you. Thank you so much Daniel and all the professional at Fraction! I look forward to doing more business with you in the future.

Daryl R.
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Fraction has been the light at the end…

Fraction has been the light at the end of the tunnel for me, at least for now and i look forward to a longer relationship

Elvin M.
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Fraction was the ideal mortgage product for us…

“...Fraction offered us an opportunity that was best for us at this point in our 73-year-old lives, and with the house that we're living in. We're hoping for continued appreciation of our home over the next 5 years, so that this deal will turn out to be a 'win-win' for us, as well as for Fraction. They managed to come up with a brilliant mortgage product, that segues perfectly into what the current mortgage market does NOT offer.”

James K.
Trustpilot Stats
Great process and very friendly people.

From start to finish, my experience was no less than stellar. They explained the process, the paperwork, what was going to happen from point to point. Saki was a great guy to deal with and was very understanding of my specific issues and how to overcome them. Highly recommend dealing with Fraction if you are looking for this type of mortgage.

Jeff P.
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I'm so grateful for Fraction.

I'm so grateful for fraction, it came right when I needed it. I didn't have to wait till I was 55 years old, I am currently 50. They were helpful and quick, they answered all my questions quickly and in detail. I will definitely do business with them again in the future. Fraction has given me the chance to live my dream life! Thank you Fraction.

Carlo S.
Trustpilot Stats
Win! Win! I have been dealing with Fraction for…

I have been dealing with Fraction for about 6 months now and have 5 properties with them. They have helped my husband and I realize our dreams of owning 5 properties. Using the equity in our homes we are able to renovate the properties to our liking. This benefits both Fraction and ourselves by increasing the value of the homes. It's a win, I win!

Patricia L.

Find out how much you can get with Fraction

Get an estimate
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What’s your estimated home value?

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You can get up to $1,000,000 with a Fraction Mortgage.

Apply now
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Start again
  • No monthly payments.
  • No prepayment penalties.
  • No age restrictions.

How we stack up against the rest

Learn how Fraction is different from existing home financing options.

Compare Fraction to
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Home equity line of credit
No monthly payments
No monthly payments
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Stay in your home
Stay in your home
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Qualify at any age
Qualify at any age
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No prepayment penalties
No early buyout penalties
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Interested in a pricing comparison between all these options?
Visit the cost page

Interested in learning more?

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Our Blog

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Fraction Basics

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The FAQ's

Ready to tap into your home equity?

Applying for a no monthly payments Fraction Mortgage is free and fast. We’re talking 5 minutes, with no impact on your credit score.