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Use Our Home
Equity Calculator
Enter a few simple details about your home and mortgage to see how much equity you could unlock, without selling or monthly repayments.
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Check Your
Eligibility
Answer a few quick questions to confirm your eligibility for HomeFlex. It’s fast, obligation-free, and won’t affect your credit score.
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Get an Independent
Evaluation
We arrange a professional, independent valuation to determine how much equity you can unlock based on your property’s current market value.
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Review Your
Offer
We’ll present a clear offer outlining how much you can access and the terms of the agreement. Ask questions, take your time, there’s no pressure.
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Unlock Your
Funds
Once you sign the agreement, the funds are released to you. There are no ongoing monthly repayments, just a share of your future home value growth.
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Use the Money
Your Way
Cover costs, clear debts, support loved ones, or invest in your lifestyle*. You can buy out our share at any time, or repay when you sell your home.
vs Refinance
Refinancing your mortgage is one way to access more money from your home. But it usually means taking on a new loan with interest, fees, and monthly repayments that can add up over time.
With HomeFlex:
- Access your equity with no monthly repayments
- No interest charges
- Keep full control of your home
- Repay when you sell or refinance
vs HELOC (Home Equity Line of Credit)
HELOCs sound flexible, but they’re still loans. You’ll face interest rates, monthly repayments, and lender conditions tied to income and credit.
With HomeFlex:
- No interest charges
- No monthly repayments
- Simple, transparent terms
- Repay when you sell or refinance
vs Second Mortgage
A second mortgage lets you unlock equity, but it doubles the debt burden. More paperwork, more risk, and higher repayments.
With HomeFlex:
- Access your equity with no monthly repayments
- No interest charges
- Keep full control of your home
- Repay when you sell or refinance
vs Secured Loans
A secured loan (like a personal loan, car loan, or secured car finance) ties new debt to your assets. That means monthly repayments, interest costs, and the risk of losing what you’ve worked for if you fall behind.
With HomeFlex:
- No interest charges
- No monthly loan repayments
- Use equity for a car, renovations, or expenses without compounding debt
- Repay when you sell or refinance
vs Refinance
Refinancing your mortgage is one way to access more money from your home. But it usually means taking on a new loan with interest, fees, and monthly repayments that can add up over time.
With HomeFlex:
- Access your equity with no monthly repayments
- No interest charges
- Keep full control of your home
- Repay when you sell or refinance
vs HELOC (Home Equity Line of Credit)
HELOCs sound flexible, but they’re still loans. You’ll face interest rates, monthly repayments, and lender conditions tied to income and credit.
With HomeFlex:
- No interest charges
- No monthly repayments
- Simple, transparent terms
- Repay when you sell or refinance
vs Second Mortgage
A second mortgage lets you unlock equity, but it doubles the debt burden. More paperwork, more risk, and higher repayments.
With HomeFlex:
-
Access your equity with no monthly repayments
-
No interest charges
-
Keep full control of your home
-
Repay when you sell or refinance
vs Secured Loans
A secured loan (like a personal loan, car loan, or secured car finance) ties new debt to your assets. That means monthly repayments, interest costs, and the risk of losing what you’ve worked for if you fall behind.
With HomeFlex:
-
No interest charges
-
No monthly loan repayments
-
Use equity for a car, renovations, or expenses without compounding debt
-
Repay when you sell or refinance
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