Many homeowners are struggling to find good ways to use their home's value. Old-style loans are too hard to manage. They come with big monthly bills and strict rules that make it tough for families to have financial freedom.
Imagine a new way to get money from your home. It's called the shared appreciation model. Here's how it works: When your home's value goes up over time, you share some of that extra value with the lender. In return, they give you lower monthly payments and a better interest rate.
Think of it like this: If your home is worth $300,000 today and becomes worth $400,000 later, you and the lender would split the $100,000 increase. This means you get money now, and the lender gets a part of your home's future value growth.
Unison’s Equity Sharing Home Loan follows the shared appreciation model. The amount you share at the end of the loan is based on how much you borrow—usually 1.5 times the percentage of funds you receive. For example, if you borrow 10% of your home’s current value, Unison will receive 15% of the future appreciation (10 x 1.5 = 15). Please note that with the Equity Sharing Home Loan, Unison does not share in any loss of value.
Unison built the Equity Sharing Home Loan to align with the needs of modern homeowners. In addition to the shared appreciation component, the 10-year loan features fixed interest-only payments, which are partially-deferred in order to even further lower the monthly obligation. With improved cashflow, you can use freed-up funds for other investments, whether you want to undertake home improvement projects, pay off debt, or save for retirement. The Equity Sharing Home Loan is purposely designed so that Unison succeeds only when you succeed!
If you want to learn more about Unison’s innovative shared appreciation model and how the Equity Sharing Home Loan can help you maintain control of your financial future, speak to one of our experienced mortgage loan officers today!
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