How Splitero works out what you owe
- How you repay: a share of your home's total value when you settle. The share is 2× the share of your home's value you received.
- Fee: 4.99% of the investment, taken from the cash you receive, plus third-party closing costs (we use $1,500).
- Cost cap: 17.99% a year, compounded monthly, on the investment. You never repay more than that.
- Term: settle within 30 years.
- Limits: up to $600,000; at most 25% of your home's value; mortgage plus investment under 80% of home value (our assumption; not published); home worth at least $200,000; and at most $5,000,000; credit score 500+.
Worked example. $750,000 home, $300,000 mortgage, $100,000 investment, 4% yearly growth, settled after 7 years: you'd receive $93,510 after fees and repay $263,186, a total cost of $169,676, or 15.9% a year.
Things to know about these terms
- Splitero sets the Split Percentage per offer; 2.0× comes from its own published example (10% invested, 20% split).
- Splitero's term matches your first mortgage, 10 to 30 years; we use 30. It publishes no leverage limit, so we assume under 80%.
Sources for every term: Splitero on our provider terms page. Real offers are set after underwriting and can differ; always check your written offer.
What Splitero costs as home prices change
Same example, settled after 7 years. Unlike a loan, an HEI costs more the faster your home grows.
| Home growth | You repay | Total cost | Effective annual cost |
|---|---|---|---|
| -2% a year | $173,625 | $80,115 | 9.2% |
| 0% a year | $200,000 | $106,490 | 11.5% |
| 2% a year | $229,737 | $136,227 | 13.7% |
| 4% a year | $263,186 | $169,676 | 15.9% |
| 6% a year | $300,726 | $207,216 | 18.2% |
| 8% a year | $342,765 | $249,255 | 20.4% |
Splitero vs the other providers
In the standard example ($750,000 home, $100,000 investment, 4% growth, 7 years), Splitero ranks 6 of 6 by effective annual cost.
| Provider | Effective annual cost | Head-to-head |
|---|---|---|
| CHEIFS | 13.7% | Splitero vs CHEIFS |
| Hometap | 14.1% | Splitero vs Hometap |
| Point | 14.3% | Splitero vs Point |
| Unison | 14.7% | Splitero vs Unison |
| Unlock | 15.9% | Splitero vs Unlock |
| Splitero | 15.9% | This calculator |
Read the full Splitero review on HEI Compare, check whether you meet Splitero's requirements on HEI Offers, or compare all six providers on your numbers.
Frequently asked questions
How much will I owe Splitero?
It depends on your home's value when you settle. In our example ($750,000 home, $300,000 mortgage, $100,000 investment, 4% yearly growth, settled after 7 years), you'd repay $263,186 for $93,510 received. Enter your own numbers above to see yours.
Does Splitero cap what I owe?
Yes. Splitero publishes a cost cap of 17.99% a year, applied to the investment. In our example at 4% growth, the cap doesn't come into play; it matters most when your home grows fast or you settle early.
When do I have to settle with Splitero?
Within 30 years of funding, or sooner if you sell or refinance. If you plan to stay longer than 30 years, Splitero isn't an option for that plan.
Is this calculator from Splitero?
No. HEI Calculator is independent. We apply Splitero's published terms, last verified September 23, 2026, to your numbers. Your actual offer is set by Splitero after underwriting.