How does Unison compare to Splitero?
Splitero offers a Home Equity Investment (HEI), while Unison offers an Equity Sharing Agreement (ESA). A major difference with Splitero is that you receive cash up front in exchange for an immediate share of your home's entire value, paid at settlement.1
With Unison, you also receive cash up front, but the equity you've already built before signing stays 100% yours. You only share in the change of your home's value, NOT the total home value. If your home appreciates during the agreement, we share only in that growth. And if it loses value (after the initial restriction period), we share in the downside, too.
Another factor is that Splitero's term is just 10 years, unless your first mortgage has more than 10 years remaining, in which case they'll match your mortgage.2 Both companies offer early settlement, but Unison's standard term is 30 years, giving you a longer timeline to sell or settle when it makes sense for you.
Unison also offers Remodeling Adjustments (also called a Capital Improvement Adjustment), which can reduce what you pay back if your renovation projects helped boost your home's value. Splitero does not offer any renovation adjustment, so if you do works that increase your home's value, you'll owe them a share, too.2
Explore the full comparison to understand the differences between equity sharing with Unison and Splitero.
Note: This comparison is based on publicly available information as of September 14, 2026 and is for informational purposes only. Verify current terms directly with each provider.
1 https://www.splitero.com/pricing accessed September 9, 2026
2 https://www.splitero.com/how-it-works accessed September 9, 2026