Unison review

Unison operates as a direct lender for mortgage related borrowing linked to property. Its stated purposes cover purchase and home equity under purchase and home equity. Ranked mortgages show broad purchase coverage at 94%, so Unison sits within a familiar purchase focused group for buyers and owners.

Unison is listed as a direct lender through direct lender, which means borrowing is arranged with Unison itself rather than through intermediation. Across ranked mortgages, direct lenders account for 73.5%, while brokers account for 26.5%. That places Unison in the larger lender group by share.

Yes, purchase is a stated purpose for Unison under purchase and home equity. That aligns with ranked mortgages where purchase coverage stands at 94%. If your plan centres on buying a property rather than refinancing or letting, Unison matches that core need within its stated scope.

Yes, home equity is a stated purpose for Unison alongside purchase under purchase and home equity. Across ranked mortgages, home equity coverage stands at 18%. That makes Unison relevant for owners seeking to draw on existing property value rather than buyers alone.

Unison does not publish a separate initial rate in the available facts, so comparison rests on ranked mortgages. The median initial rate across ranked mortgages is 4.56%, with the lower quartile at 3.71% and the upper quartile at 6.87%. Use those bands to frame expectations before seeking terms.

Maximum loan to value is not stated for Unison in the available facts. Across ranked mortgages, the median maximum loan to value is 90%, with the lower quartile at 85% and the upper quartile at 95%. Those levels help you gauge deposit needs when comparing purchase options.