Main themes across feedback are the complexity of Unison’s financial product, challenges in redeeming equity, and a lack of transparency in contract terms and processes. Multiple customers report significant financial impacts from the agreement structure, and some allege predatory lending practices or frustrating experiences during payoffs. The process for handling upgrades or remodels to homes is repeatedly flagged as problematic, with claims of inadequate or delayed value adjustments. Delays and confusion during appraisal or refinancing also recur in several cases.
Overall, Unison is regarded as a controversial home equity sharing provider with mixed-to-negative consumer reputation. While some clients found the arrangement convenient for accessing equity without payments, the service is frequently described as difficult to navigate and costly in the long term. In the United States, reviewers caution prospective customers to carefully read terms and explore alternatives before signing a Unison Agreement.