Shared equity release is not a loan or a reverse mortgage. In a shared equity release with Quantm RE, the homeowner will not bear the typically high costs associated with a reverse mortgage, nor do you have to be 62 years or older (our shared equity release program is available to all qualified property owners regardless of age). Quantm RE pays US$ for a percentage ownership in a piece of property and records a lien on the property as evidence of the transaction. However, since there is no new loan on the property, there is no accruing interest building up. Instead, Quantm RE is now a partner, in effect, with the homeowner, sharing in either the upside appreciation of the property, or the downside depreciation if that were to occur. When the property is eventually sold, then Quantm RE will be paid back its original investment plus or minus our agreed share of the appreciation/depreciation in the value of the property.