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How a Splitero buyout works
Short answer
To end a Splitero agreement you repurchase its option: Splitero orders an appraisal, and you pay the Split Percentage × appraised value, capped by the 17.99% yearly Safety Cap. You can do it any time — by sale, refinance or cash — with no prepayment penalty.
Request a repurchase statement
Splitero lists a $30 fee for the statement.
New appraisal
An appraisal sets the current value. If you've made eligible improvements, ask how they're credited.
Compare with the cap
You owe the lower of Split Percentage × value or the Safety Cap for that date.
Pay and release the lien
Funds come from a sale, refinance or savings; Splitero releases its recorded lien.
Selling vs refinancing vs paying cash
| Exit | Best when | Watch out for |
|---|---|---|
| Sell the home | You're moving anyway; equity covers both mortgage and Splitero | Appraised value used by Splitero vs your actual sale price |
| Refinance | Rates are reasonable and you want to keep the home | New loan costs and qualifying for the larger balance |
| Pay cash | You've built savings or received a windfall | Early cash payoff often hits the Safety Cap |
If your home has lost value
The Split Percentage applies to the current appraised value, so a lower value lowers the payoff. Remember that early in the term the cap may still exceed what you received, so a modest dip doesn't guarantee you'll repay less than your investment.
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.
