Personal Finance
Big Holiday Expenses Ahead? How Your Home Equity Can Help You Breathe Easier
Holiday costs add up fast. Here's how homeowners can use equity strategically to ease expenses — without adding heavy monthly payments.
When holiday travel, gift lists, extra groceries and hosting expenses all hit at once, it’s easy to rely on credit cards or personal loans to fill the gaps. But high interest rates and mounting balances can turn one season of spending into months of financial stress. For some homeowners, there may be a more flexible path — tapping into home equity in a way that doesn’t add another heavy payment in the new year.
Unison’s Equity Sharing Home Loan offers a different approach: access to cash now, lower monthly payments than a traditional second mortgage or HELOC, and more room to enjoy the season without debt lingering into spring.
Why Homeowners Are Looking Beyond Credit Cards and Loans
Most holiday spending happens within a few weeks — while the bills can last much longer. Credit cards accumulate interest. Personal loans create fixed monthly payments. Even home equity loans or HELOCs can add financial strain if rates climb or payments reset.
That’s why more homeowners are exploring ways to use their equity strategically — not to spend more, but to stay financially steady.
How Unison’s Equity Sharing Home Loan Works
Unison’s Equity Sharing Home Loan is structured to keep payments low and manageable, while still giving you access to your equity. Here’s how:
- It’s a 10-year, fixed-rate interest-only loan.
- Monthly payments are lower because Unison shares in a portion of your home’s future value.
- When the loan ends — or sooner if you sell, refinance, or pay it off — you repay the original loan amount and Unison’s fixed share of your home’s appreciation.
Using Equity to Make the Holidays Less Stressful
Homeowners often use Unison’s funds to:
- Cover travel and family gatherings without relying on high-interest credit cards.
- Host the holidays without draining savings or emergency funds.
- Pay year-end expenses like medical bills, tuition or property taxes.
- Make home updates or guest-ready improvements — from a new roof to a refreshed kitchen.
And if you renovate, Unison’s Capital Improvement Adjustment program ensures you receive credit for eligible upgrades when the agreement ends. The value you add to your home stays with you.
A Season With More Flexibility — and Less Financial Pressure
By avoiding large monthly payments or rising interest, homeowners can focus on meaningful experiences instead of mounting debt. Unison’s Equity Sharing Home Loan offers a way to keep your budget balanced through the holidays and into the new year — without giving up the traditions that matter most.
Ready to explore your options? Get a personalized estimate from Unison and see how much flexibility you could gain.
Sponsored by Unison. This is promotional content and not financial advice. Consult a qualified professional for personalized guidance. Risks include sharing a portion of your home’s future appreciation (typically 20-40%, depending on terms), potential fees, eligibility requirements, and market fluctuations that could affect repayment or net proceeds. Full terms and conditions apply; visit unison.com/terms for details.
