The size and share of the market is categorized based on Type (Fixed Rate Loan, Equity Credit) and Application (Large Banks, Rural Credit Cooperatives, Other) and geographical regions (North America, Europe, Asia-Pacific, South America, and Middle-East and Africa).

This statistic presents the change in the volume of applicants for lifetime mortgage, the leading product of the equity release market in the United Kingdom (UK) from 2012 to 2016. Equity release is a way of financing loans, which provides the owner of a house or other type of property with funds based on the value of their real estate, while allowing for continued use of said property. Lifetime mortgage is one of the products offered within equity release schemes. It denotes a loan secured on the property, which is sold after the borrower moves out or dies; meaning after the use of the property is discontinued by the borrower. The funds obtained in the sale help to pay the compounded interest, which has been added to the capital throughout the term of the loan. As of 2016, the volume of applicants for the lifetime mortgage product grew by 22 percent, in comparison to the previous year.

This statistic illustrates the breakdown of total new equity release plans agreed in the United Kingdom (UK)in the second quarter 2019. Equity release plans are designed to allow homeowners to access some of the value of their property without the need to sell their house and move out. A lump sum equity release plan facilities a one-off payment, whilst a drawdown equity release plan enables a homeowner to receive an initial advance, alongside an agreed amount cash facility that can be used when required. It can be seen that the share of single plan-female homeowners opting for a equity release plan was twice higher than single plans-male.

The Report Covers Home Equity Sharing Companies and it is segmented by Types (Fixed Rate Loans, Home Equity Line of Credit), by Service Providers (Banks, Online, Credit Union, Others), and by Regions (North America, South America, Europe, Asia Pacific, Middle East & Africa).

This statistic illustrates the average house price for equity release plan customers in the United Kingdom (UK) from the second half of 2015 to the second half of 2019, by type of lifetime mortgage. Equity release plans are designed to allow homeowners to access some of the value of their property without the need to sell their house and move out. A lump sum equity release plan facilities a one-off payment, whilst a drawdown equity release plan enables a homeowner to receive an initial advance, alongside an agreed amount cash facility that can be used when required. It can be seen that the average house price for both lump sum and drawdown customers increased steadily during this period, reaching over 315 thousand British pounds in lump sum plans, and 358 thousand British pounds in the drawdown plans, as of the second half of 2019.

The Report Covers US Home Equity Sharing Companies and it is segmented by type (Fixed rate loan and home equity lines of credit), by Service Providers (Commercial banks, Financial Institutions, Credit Unions, and other creditors), and by Mode (Online and Offline).

The Canada Home Equity Lending Market Report is Segmented by Type (Fixed Rate Loans and Home Equity Lines of Credit), Service Providers (Commercial Banks, Financial Institutions, Credit Unions, and Other Creditors), and Mode (Online and Offline). The Report Offers Market Sizes and Forecasts in Terms of Value (USD) for all the Above Segments.

The Brazilian home equity market, exhibiting a Compound Annual Growth Rate (CAGR) exceeding 5%, presents a robust investment opportunity. Driven by increasing homeownership rates, rising disposable incomes, and a growing middle class seeking financial leverage, the market is projected for significant expansion. The market is segmented by loan type (fixed-rate loans and home equity lines of credit – HELOCs) and service provider (banks, online lenders, credit unions, and others). Banks like Banco Santander (Brasil) SA, Banco Bradesco, and Itaú Unibanco Holding SA currently dominate the landscape, but the emergence of fintech companies like Creditas and Nubank signifies a shift toward digital solutions and increased competition. This competition is fostering innovation, leading to more accessible and convenient home equity products. While regulatory hurdles and economic volatility pose potential restraints, the overall positive economic outlook and increasing financial literacy within the Brazilian population are expected to mitigate these challenges. The relatively underdeveloped HELOC market presents significant untapped potential for growth, as consumers become more familiar with this type of financing. Expansion into less-penetrated regions, coupled with targeted marketing strategies, will be crucial for players aiming to capitalize on this market's potential. The forecast period (2025-2033) anticipates substantial growth, with fixed-rate loans maintaining a dominant share due to their predictability and stability. However, the HELOC segment is poised for accelerated growth, fueled by the increasing demand for flexible financing options. The competitive landscape will continue to evolve, with established banks strategically investing in technology and digital platforms to maintain their market share, while fintechs leverage their agility and innovative product offerings to disrupt the traditional lending model. Geographical expansion, particularly within less-developed regions of Brazil, offers lucrative opportunities for both established and emerging players. Furthermore, the market will likely see the emergence of more specialized products catering to niche segments, reflecting a growing understanding of diverse consumer needs. This includes the possibility of tailored products aimed at specific income levels or demographic groups. This in-depth report provides a comprehensive analysis of the Brazilian home equity market, covering the period from 2019 to 2033. It delves into market size, growth drivers, challenges, and future trends, offering valuable insights for investors, lenders, and industry stakeholders seeking to navigate this dynamic sector. The report leverages extensive data analysis, incorporating key developments and forecasts to paint a clear picture of the Brazilian mortgage market's potential. Note: While I can't provide actual market figures or create a functioning hyperlink without access to real-time data and specific company websites, I can structure the report description using your provided information and keywords to maximize SEO. Remember to replace the placeholder values with your actual market data. Recent developments include: April 2021- FinanZero, a Brazilian online credit marketplace, announced the completion of a $7 million round of investment, the company's fourth since its inception in 2016. To now, it has raised a total of $22.85 million. People may use the real-time online loan broker to apply for a personal loan, a vehicle equity loan, or a home equity loan for free and get an answer in minutes. FinanZero's success is due in part to the fact that it does not provide loans but rather partners with roughly 51 banks and fintechs to support them., Nov 2020 - CrediHome, a Brazilian digital real estate finance platform, has received central bank clearance to start originating its own credit. The fintech company is now attempting to enter the country's consolidated mortgage market with offerings that threaten more established methods. Its financing procedure incorporates a mechanism known as property scoring. It enables its customers to lend to clients who may be turned down by larger banks. Even if Brazil's record low interest rates rise next year and beyond, the framework has been prepared for the country's real estate and mortgage markets to become more expansive and active.. Notable trends are: Brazil's Real Estate Boom During the Pandemic.

Snapshot img

Home Equity Lending Market Size 2025-2029

The home equity lending market size is forecast to increase by USD 48.16 billion at a CAGR of 4.7% between 2024 and 2029.

The market is experiencing significant growth due to several key trends. One major factor driving market expansion is the massive increase in home prices, which has resulted in homeowners having more equity in their properties. Another trend is the rise in residential property values, leading to an increase in the number of homeowners with sufficient equity to access loans or lines of credit, with property management and digital lending playing a significant role in facilitating these transactions.
However, the lengthy procedures involved in securing these loans can present challenges for both lenders and borrowers. Despite this, the benefits of lending, such as lower interest rates compared to other types of debt, make it an attractive option for many consumers looking to finance home improvements, debt consolidation, or other major expenses. Overall, the market is poised for continued growth in the coming years.

What will be the Size of the Home Equity Lending Market During the Forecast Period?

To learn more about the market report, Request Free Sample

The market in the United States has experienced significant growth, driven by the increasing collateral value of residential real estate and the resulting equity available to borrowers. Monetary authorities' efforts to keep inflation in check and stable housing prices have contributed to this trend. Homeowners have utilized loans and lines of credit to fund various expenses, including home improvements, tax deductions, and debt consolidation.



The interest rate on these loans often remains competitive with other forms of borrowing, making them an attractive option for many. Banks and credit unions are the primary providers of these loans, offering borrowers the ability to access a lump sum amount or a revolving line of credit secured against their residence and property. Regulatory restrictions on high-interest debt and outstanding mortgages may impact the market's growth, but the demand for loans is expected to remain strong as homeowners continue to seek ways to access the value of their homes.

How is this Home Equity Lending Industry segmented and which is the largest segment?

The home equity lending industry research report provides comprehensive data (region-wise segment analysis), with forecasts and estimates in 'USD billion' for the period 2025-2029, as well as historical data from 2019-2023 for the following segments.

Source

  Mortgage and credit union
  Commercial banks
  Others


Distribution Channel

  Offline
  Online


Geography

  North America

    Canada
    US


  Europe

    Germany
    UK
    France


  APAC

    China
    Japan
    South Korea


  South America



  Middle East and Africa

By Source Insights

The mortgage and credit union segment is estimated to witness significant growth during the forecast period.

Home equity lending is a financing solution for homeowners looking to access the value of their property. Mortgage and credit unions serve as trusted providers in this market, offering various financial services including loans and lines of credit. These institutions not only offer consumer loans but also manage deposits, handle checking and savings accounts, disburse credit and debit cards, and grant house loans. Credit unions, in particular, provide personalized services with live representatives, ensuring a human touch in understanding complex financial matters.

Homeowners can secure competitive rates on loans through credit unions, making them a preferred choice over other lenders. With a strong focus on consumer protection and affordability, mortgage and credit unions are an excellent option for homeowners seeking to tap into their for renovation projects or other financial needs.

Get a glance at the Home Equity Lending Industry report of share of various segments. Request Free Sample

The mortgage and credit union segment was valued at USD 82.39 billion in 2019 and showed a gradual increase during the forecast period.

Regional Analysis

North America is estimated to contribute 47% to the growth of the global market during the forecast period.

Technavio's analysts have elaborately explained the regional trends and drivers that shape the market during the forecast period.

For more insights on the market share of various regions, Request Free Sample

The market in North America experienced notable growth in 2024, driven by the increase in home values and fewer regulations. Homeowners in Canada have been utilizing their properties as collateral for loans, with residential mortgages accounting for 74% of household debt and lines of credit for 16%. The balance of Lines of Credit (HELOC) rose by 1% to USD 128 billion in February 2022.

The Report Covers Brazil Home Equity Lending Market and it is segmented by types (Fixed Rate Loans, Home Equity Line of Credit (HELOC)), and by service providers (Banks, Online, Credit Union, Others) various trends, opportunities, and company profiles.

Mexico Home Equity Lending Market is segmented by type (Fixed rate loans and home equity lines of credit), by Service Providers (Commercial banks, Financial Institutions, Credit Unions, and other creditors), and by Mode (Online and Offline). The report offers market size and values in (USD million) during the forecasted years for the above segments.

During the month of July 2024, the company with the largest share of the reverse mortgage market in the United States was Mutual Of Omaha Mortgage Inc. Its share of 22 percent was around three percent greater than the market share of Finance Of America Reverse LLC. Reverse mortgage volume increases Mutual Of Omaha Mortgage Inc. was the top lender of Home Equity Conversion Mortgages (HECMs) in 2023, with the highest number of loan originations. In 2023, the company, which specializes in home equity retirement solutions, closed a total of over 5,000 HECMs and ended the year as the leading reverse mortgage company in the United States. Despite the overall number of HECMs in the United States dropping dramatically between 2009 and 2019, this trend reversed in the following years, with 2022 recording the highest 10-year figure. Banks withdraw from reverse mortgage market In the past, some of the largest banks in the United States featured in the list of leading reverse mortgage lenders; as of 2024, financial services firm Wells Fargo remained the all-time leading reverse mortgage company in the country. However, banks have exited the reverse mortgage business, and the rankings now feature companies that focus primarily on HECMs. In 2011, Wells Fargo and Bank of America – the two largest providers of HECMs at the time – stopped offering the service because of an unpredictable housing market and the creditworthiness of borrowers.

This data set contains Help to Buy: Equity Loan statistics at parliamentary constituency level. The figures cover the launch of the scheme on 1 April 2013 until 31 March 2019.

Weis Markets reported $0 in Loan Capital for its fiscal quarter ending in December of 2024. Data for Weis Markets | WMK - Loan Capital including historical, tables and charts were last updated by Trading Economics this last March in 2025.

This data set contains Help to Buy: Equity Loan statistics at post code sector level. For data released from 5 March 2015 onwards, the Homes and Community Agency (HCA) have revised the completion date for the entire Help to Buy Equity Loan time series. The HCA have stopped counting payment date (when the money out is paid out by the HCA) and now report on the expected actual completion date. It is more accurate and is closer to the live situation, especially when HCA now recognise an asset based on a completion, rather than exchange and approved claim. As a result (and due to reinstating accounts) HCA have seen movement of actual completions dates. There should not be this level of difference moving forward, it was a one off activity. The figures cover the launch of the scheme on 1 April 2013 until 30 September 2016.

Manulife Financial reported CAD14.16B in Loan Capital for its fiscal quarter ending in December of 2024. Data for Manulife Financial | MFC - Loan Capital including historical, tables and charts were last updated by Trading Economics this last March in 2025.