Cost compared with Unison
Effective annual cost for $100,000 against a $750,000 home with a $300,000 mortgage. Highlighted: cheaper than Unison in that scenario.
| Provider | Typical: 4% growth, 7 years | Flat prices: 0%, 7 years | Fast growth: 8%, 7 years | Early sale: 4%, 3 years |
|---|---|---|---|---|
| Unison | 14.7% | 3.5% | 23.1% | 21.6% |
| CHEIFS | 13.7% | 13.0% | 13.7% | 14.7% |
| Hometap | 14.1% | 9.7% | 18.5% | 22.7% |
| Point | 14.3% | 8.3% | 18.9% | 20.2% |
| Unlock | 15.9% | 11.5% | 20.4% | 22.6% |
| Splitero | 15.9% | 11.5% | 20.4% | 22.3% |
Computed from each provider's published terms with the HEI Calculator engine; terms verified September 23, 2026. Try your own numbers in the Unison calculator.
When to pick an alternative instead
- CHEIFS: costs less in the typical case (13.7% vs 14.7% a year); costs less if your home grows fast (13.7% vs 23.1% a year); costs less if you sell within 3 years (14.7% vs 21.6% a year); gives you more time to settle (no end date vs 30); publishes a lower credit minimum (680); funds larger amounts (up to $2M vs $500K). Unison vs CHEIFS
- Hometap: costs less in the typical case (14.1% vs 14.7% a year); costs less if your home grows fast (18.5% vs 23.1% a year); publishes a lower credit minimum (585); serves more states (27 vs 23); funds larger amounts (up to $600K vs $500K). Unison vs Hometap
- Point: costs less in the typical case (14.3% vs 14.7% a year); costs less if your home grows fast (18.9% vs 23.1% a year); costs less if you sell within 3 years (20.2% vs 21.6% a year); publishes a lower credit minimum (500); serves more states (32 vs 23); funds larger amounts (up to $600K vs $500K). Unison vs Point
- Unlock: costs less if your home grows fast (20.4% vs 23.1% a year); publishes a lower credit minimum (500); serves more states (26 vs 23). Unison vs Unlock
- Splitero: costs less if your home grows fast (20.4% vs 23.1% a year); publishes a lower credit minimum (500); funds larger amounts (up to $600K vs $500K). Unison vs Splitero
Not sure you qualify for Unison?
Check Unison's requirements against your own home, state, and credit, or see every provider that fits you on HEI Offers.
Questions
What is the best alternative to Unison?
It depends on your plans. In our typical example ($100,000 against a $750,000 home with a $300,000 mortgage, 4% growth, 7 years), the lowest-cost alternative is CHEIFS at 13.7% a year, versus 14.7% for Unison. If your home grows fast or you sell early, the ranking can change; see the table above.
Who are Unison's competitors?
The other main home equity investment providers are CHEIFS, Hometap, Point, Unlock, and Splitero. All six are modeled with the same cost engine on HEI Compare.
Is there an alternative to Unison that isn't an HEI?
Yes. A HELOC, home equity loan, cash-out refinance, or reverse mortgage can cost less if you qualify. See every option compared.
Comparing Unison with others?
See which providers fit your home, state, and credit, or send us an offer you already have for a free second opinion. Prefer to model it yourself? Run the HEI Calculator.
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