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Borrow affordably with a home equity line of credit.
Borrowing

Home equity line of credit

Get all the flexibility of a personal line of credit, with a better interest rate.

Own your own home

Use the equity you have in your home as security for a line of credit. The result: low-cost borrowing.
Buy a vacation or income property
Buy a vacation or income property
Repairs and renovations
Repairs and renovations
Big and small purchases
Big and small purchases
Consolidate your debt
Consolidate your debt
Travel
Travel

Borrow at a low rate

Don’t let your home just sit there — get it working for you. When you secure a line of credit to a property you own, you can borrow larger amounts at lower interest rates. 
Features:

  • Limits up to 65% of the home’s appraised value minus mortgages*
  • Only pay legal and appraisal fees once
  • Withdraw funds online or using an ATM or cheque
  • Pay interest only on the amount you borrow
  • Loan protection insurance available
Flexibility:

  • Money available anytime you need it
  • Interest-only monthly payments
  • Repay some or all of your borrowed amount anytime
  • Lower rates than an unsecured personal line of credit
Apply now Book an appointment View all rates

Explore all loans and lines of credit

Personal line of credit

Access money whenever you need it, and only pay interest on what you borrow. 

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Personal loan

Borrow a specific amount, all at once, with a schedule to keep repayments on track.

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RRSP loan

Retirement savings need a nudge? Maximize your RRSP contribution and your tax deduction.

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Our members have access to free financial advice.
We’re here to help

Talk to an advisor

Our knowledgeable advisors can guide you through life’s big and small financial decisions — and their services are completely free of charge for our members.
Book an appointment
Get pre-approved for a mortgage with a competitive rate today!
Buy a home

Make your next move into a great mortgage.

Enjoy competitive interest rates, flexible payment schedules, your choice of terms, and some pretty sweet perks. Plus, your daily bank account is free for the life of your mortgage!

More details Apply now

Check out our online advice centre

Top 3 home equity line of credit (HELOC) do's and dont's

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How rising interest rates affect line of credits & HELOCs

View article

Enjoy a stress-free mortgage renewal

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How to reach us

Call our Member Service Centre

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1 888 440 4480

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Saturday 9 am - 5 pm

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