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), Unison costs 14.7% a year versus 15.9% for Splitero.
Unison is cheaper below about 5.2% annual growth; Splitero is cheaper above it (settling after 7 years).
Settle within 3 years and Unison is cheaper; hold for 10 and Splitero is.
Side by side
| Unison | Splitero | |
|---|---|---|
| What they call it | Equity Sharing Agreement | Home Equity Investment (an option purchase agreement) |
| How you repay | Share of your home's change in value, up or down | Share of your home's future value (the Split Percentage) |
| Cash available | Up to $500K | Up to $600K |
| Max share of home value | 15% | 25% |
| Equity you must keep | Not published | Not published |
| Fee | Up to 3.9% | 4.99% |
| Cost cap | None published | 17.99% a year, compounded monthly |
| Term | Up to 30 years | 10 to 30 years (matches your mortgage) |
| Minimum credit score | Not published | 500 |
| Shares losses if value falls | Yes | Yes, you owe a share of a lower value |
Full reviews: Unison · 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 | |||
|---|---|---|---|---|---|---|
| Unison | Splitero | Unison | Splitero | Unison | Splitero | |
| 0% a year | 8.3% | 22.3% | 3.5% | 11.5% | 2.4% | 7.9% |
| 2% a year | 15.2% | 22.3% | 9.6% | 13.7% | 8.2% | 10.1% |
| 4% a year | 21.6% | 22.3% | 14.7% | 15.9% | 12.7% | 12.2% |
| 6% a year | 27.6% | 22.3% | 19.1% | 18.2% | 16.5% | 14.4% |
| 8% a year | 33.3% | 22.3% | 23.1% | 20.4% | 20.0% | 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: Unison: share of your home's change in value, up or down. Splitero: share of your home's future value (the split percentage).
- Cost cap: Unison publishes none; Splitero 17.99% a year, compounded monthly.
- Starting value: Unison measures gain from 5% below your appraisal.
- How much you can take: Unison up to 15% of your home's value; Splitero up to 25% of your home's value.
- Credit: Unison doesn't publish one; Splitero minimum 500.
Which fits you
- Your home may not appreciate much: Unison (3.5% vs 11.5% at 0% over 7 years).
- You expect strong growth: Splitero (20.4% vs 23.1% at 8% over 7 years).
- You might settle within 3 years: Unison (21.6% vs 22.3%).
Questions
Is Unison or Splitero cheaper?
In our standard example ($100,000 against a $750,000 home with a $300,000 mortgage, 4% growth, 7 years), Unison costs 14.7% a year versus 15.9% for Splitero. Unison is cheaper below about 5.2% annual growth; Splitero is cheaper above it (settling after 7 years).
Which is better if I settle early, Unison or Splitero?
Settling after 3 years at 4% growth, Unison costs 21.6% 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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