However, with a HELOC you can only borrow up to 95% of your home’s equity at a variable rate of 6.50% up to 18%. Instead of acquiring new debt, a home co-investment company (Unison is one example) or investor offers you money in exchange for a portion of your home equity and the option to share in future profits if your home’s value increases over time. Find out the Pros and Cons of a Home Equity Line of Credit (HELOC) and whether it is the right option for you.