Point review
Point takes a share of your home's appreciation above a risk-adjusted starting value, gives you up to 30 years to settle, and caps its annual return.
Read the review →ModeledHometap review
Hometap takes a share of your home's total value when you settle, with a 10-year term, access to up to 27% of your home's value, and a cap on its annual return.
Read the review →ModeledUnlock review
Unlock takes a share of your home's future value using an exchange rate, with a 10-year term, a 19.9% annual cap, and the option to buy back its stake in parts.
Read the review →ModeledUnison review
Unison shares in your home's change in value, both up and down, at about four times the percentage it invests, with up to 30 years to settle and no published cap.
Read the review →Needs a quoteSplitero review
Splitero shares in your home's appreciation and depreciation with up to 30 years to settle, but doesn't publish its share or cap level, so you'll need a quote to compare it.
Read the review →Needs a quoteCHEIFS review
CHEIFS takes a share of your home's future value with a published annual cost cap of 12.99% or 14.99%, the lowest caps we've seen, and a $70,000 minimum.
Read the review →"Modeled" providers publish enough to estimate cost. The others don't publish their share percentage, so you need a quote.
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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