What is Shared Equity?

Shared equity homeownership is an innovative housing model that makes homeownership attainable for Canadians who may otherwise be priced out of the market. By reducing the upfront cost of purchasing a home and lowering mortgage requirements, families can begin building equity and financial security sooner. Unlike traditional homeownership, a portion of the home's future appreciation remains with the program, ensuring the home stays affordable for future buyers while allowing homeowners to share in the wealth they help create. This approach expands access to homeownership, supports long-term affordability, and helps reduce the wealth gap by enabling more Canadians to build assets and participate in the benefits of property ownership.

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-A perpetual land lease structure can create significantly greater long-term value than a traditional one-time land sale, particularly within the volatility of Canada’s evolving housing market. Under a perpetual land lease model land remains a continuously producing income while appreciating community. 

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-This approach also reduces exposure to the volatility of speculative real estate cycles. Canadian housing markets have repeatedly been identified by CMHC as vulnerable to over evaluation, particularly where housing is treated primarily as an investment commodity rather than long-term community infrastructure. 

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-Retaining ownership through a land lease structure allows institutions to preserve long-term control of strategic land assets while generating recurring revenue that can continue supporting community programming, operations, and future development opportunities.