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Maturity Match in short
Short answer
Maturity Match is Splitero's term rule: your agreement lasts as long as your remaining senior mortgage, with a 10-year minimum and 30-year maximum. You can still settle any time without a penalty.
| Remaining mortgage term | Splitero term |
|---|---|
| 6 years | 10 years (minimum) |
| 18 years | 18 years |
| 27 years | 27 years |
| No mortgage | Ask Splitero — terms vary |
Why it matters
- Hometap and Unlock require settlement within 10 years — Splitero can run up to 30.
- Aligning with your mortgage means one big refinance or sale can handle both obligations at once.
- A longer runway also means more years of appreciation are shared — your cost can rise with time.
Use the calculator to compare settling at year 5, 10 and at maturity.
What it costs to wait until maturity
A longer term gives you flexibility but also lets more appreciation build up. Here's an illustrative $50,000 investment on a $500,000 home with a 20% Split Percentage at 3% yearly growth:
| Scenario | Home value then | 20% share | Cap limit | You repay | Yearly cost* |
|---|---|---|---|---|---|
| Settle at year 10 | $671,958 | $134,392 | $298,172 | $134,392 | 11.0% |
| Settle at year 18 | $851,217 | $170,243 | $1,244,128 | $170,243 | 7.3% |
| Settle at year 25 | $1,046,889 | $209,378 | $4,342,232 | $209,378 | 6.1% |
| Settle at year 30 | $1,213,631 | $242,726 | $10,603,801 | $242,726 | 5.6% |
Illustrative: $500,000 home, $50,000 investment, 20% Split Percentage
Settle at year 10
- You repay
- $134,392
- Yearly cost*
- 11.0%
- Home value then
- $671,958
- 20% share
- $134,392
- Cap limit
- $298,172
Settle at year 18
- You repay
- $170,243
- Yearly cost*
- 7.3%
- Home value then
- $851,217
- 20% share
- $170,243
- Cap limit
- $1,244,128
Show 2 more scenarios
Settle at year 25
- You repay
- $209,378
- Yearly cost*
- 6.1%
- Home value then
- $1,046,889
- 20% share
- $209,378
- Cap limit
- $4,342,232
Settle at year 30
- You repay
- $242,726
- Yearly cost*
- 5.6%
- Home value then
- $1,213,631
- 20% share
- $242,726
- Cap limit
- $10,603,801
Planning for the end of the term
- Put the maturity date in your calendar the day you close.
- Two to three years before maturity, compare refinance, sale and cash options.
- Ask Splitero in writing what happens if you can't settle on the maturity date.
Comparing your options?
Before you give up a share of your home's future value, see what a personal loan could look like for a smaller amount.
Figures checked on November 6, 2026 against Splitero's published terms, its press releases and independent sources. Splitero can change terms at any time — confirm everything in your written offer before signing.
