What is an Equity Sharing Agreement?

Traditionally, accessing your equity meant taking out a loan that required monthly payments and added debt. Unison offers another way to do this by investing alongside you, providing you with a cash payment today in exchange for an option to share in your home’s future change in value. If the house goes up in value, we both win. If it goes down in value, Unison shares in the loss.

At the outset of your agreement with Unison, we’ll determine a starting value for your home by getting an independent appraisal, and then applying a 5.0% Risk Adjustment. Then we unlock your equity, giving you money which you are free to use however you want for up to 30 years.