Home Equity Loans and Lines of Credit

Home Equity Loans and Lines of Credit

Great rates. Smart choices.

Home Equity Line of Credit rates as low as


PRIME -0.50%

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Find out how checking customers can qualify for the discounted rate shown

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Rate based on a $200,000 minimum line of credit amount, 80% Combined Loan-to-Value, and includes a 0.25% TD Bank relationship discount.1

Get the money you need to do the things you want – renovate your home, consolidate debt, finance education and make major purchases.

Enjoy competitive rates and draw only the funds you need when you need them – up to your credit limit.

Apply online  View line of credit rates

A predictable monthly payment and fixed interest rate makes for easy budgeting.


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Not sure what option's right for you? Compare the benefits of Home Equity Lines of Credit and Home Equity Loans.

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1 Available on 1-4 family primary or secondary residences, excluding mobile homes, and homes for sale, under construction or on leased land. For co-ops, additional terms and conditions will apply.

Annual Percentage Rate (APR) is variable based on The Wall Street Journal Prime minus 0.50%, and will not exceed 18%. Prime as of 8/21/2014 is 3.25%. Minimum line amount for Prime minus 0.50% is $200,000. Other rates are available for lines of credit in amounts below $200,000. APR is an estimate only. APR calculation does not include fees and charges that may be applicable. A TD Bank personal checking account is required to be eligible for this 0.25% discount, which is reflected in the rate shown above. This relationship discount may be terminated and the interest rate on this account may increase by 0.25% upon closure of the qualifying checking account. Rates may vary by state, and are based on the state in which the collateral property is located.

The following fees apply: annual fee of $50 (except on loan amounts less than $50,000) is assessed after one-year anniversary, origination fee of $99 (which is a finance charge) and early termination fee of 2% of outstanding principal balance (maximum $450) if line of credit is paid off and closed within 24 months. Property insurance required. If you pay interest only, you still owe the amounts drawn and your monthly payment will increase when the interest-only period ends. Offer valid on line amounts up to $500,000. For line amounts greater than $500,000, additional terms and conditions will apply.

Rates will be higher for combined loan-to-value (CLTV) ratios higher than 80%. Maximum CLTV is based on creditworthiness, property type, occupancy and loan amount. Lien position may affect the maximum loan amount. For a property value greater than $2,500,000: additional terms and conditions may apply. Rates subject to change. Ask us for details.

Loans subject to credit approval. Equal Housing Lender Equal Housing Lender