The short answer
In our standard example ($100,000 against a $750,000 home with a $300,000 mortgage, 4% growth, settled after 7 years), Point costs 14.3% a year versus 15.9% for Splitero.
Point is cheaper at every growth rate we tested (-3% to 10% a year) over 7 years.
Point is also cheaper if you settle within 3 years or hold for 10.
Side by side
| Point | Splitero | |
|---|---|---|
| What they call it | Home Equity Investment (HEI) | Home Equity Investment (an option purchase agreement) |
| How you repay | Share of your home's gain, measured from a starting value set below your appraisal | Share of your home's future value (the Split Percentage) |
| Cash available | $30K to $600K | Up to $600K |
| Max share of home value | Not published | 25% |
| Equity you must keep | Not published | Not published |
| Fee | Up to 3.9% (minimum $2,000) | 4.99% |
| Cost cap | 18% a year | 17.99% a year, compounded monthly |
| Term | Up to 30 years | 10 to 30 years (matches your mortgage) |
| Minimum credit score | 500 | 500 |
| Shares losses if value falls | Yes, below the starting value | Yes, you owe a share of a lower value |
Full reviews: Point · Splitero. Sources for every term.
Cost at different growth rates and timelines
Effective annual cost for $100,000 against a $750,000 home with a $300,000 mortgage. The cheaper of the two is highlighted.
| Growth | 3 years | 7 years | 10 years | |||
|---|---|---|---|---|---|---|
| Point | Splitero | Point | Splitero | Point | Splitero | |
| 0% a year | 20.2% | 22.3% | 8.3% | 11.5% | 5.7% | 7.9% |
| 2% a year | 20.2% | 22.3% | 11.3% | 13.7% | 8.7% | 10.1% |
| 4% a year | 20.2% | 22.3% | 14.3% | 15.9% | 11.5% | 12.2% |
| 6% a year | 20.2% | 22.3% | 17.1% | 18.2% | 14.1% | 14.4% |
| 8% a year | 20.2% | 22.3% | 18.9% | 20.4% | 16.7% | 16.5% |
Ten-year agreements are shown at year 10 when you'd hold longer. Open this example in the calculator, or see every provider on one chart in the 2026 cost study.
Key differences
- How you repay: Point: share of your home's gain, measured from a starting value set below your appraisal. Splitero: share of your home's future value (the split percentage).
- Cost cap: Point 18% a year; Splitero 17.99% a year, compounded monthly.
- Starting value: Point measures gain from 27% below your appraisal.
- How much you can take: Point doesn't publish a limit; Splitero up to 25% of your home's value.
Which fits you
- Your home may not appreciate much: Point (8.3% vs 11.5% at 0% over 7 years).
- You expect strong growth: Point (18.9% vs 20.4% at 8% over 7 years).
- You might settle within 3 years: Point (20.2% vs 22.3%).
Questions
Is Point or Splitero cheaper?
In our standard example ($100,000 against a $750,000 home with a $300,000 mortgage, 4% growth, 7 years), Point costs 14.3% a year versus 15.9% for Splitero. Point is cheaper at every growth rate we tested (-3% to 10% a year) over 7 years.
Which is better if I settle early, Point or Splitero?
Settling after 3 years at 4% growth, Point costs 20.2% a year versus 22.3%.
More comparisons
Run your own numbers
Every figure here uses a standard example. The calculator runs your home, your mortgage, and your assumptions through every provider at once.
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