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What you get

A Home Equity Line of Credit (HELOC) gives you flexibility because you only draw funds when you need them (up to your credit limit) and only pay back what you use.
  • Low, variable rate, lower than some credit cards and loans
    Get a competitive, variable rate as low as NA%.1 Check with your tax advisor to see if the interest you pay is tax deductible
  • No minimum draw, $25,000 minimum line
    Borrow only what you need when you need it – up to your credit limit. Get the flexibility you need for a change of plans or unexpected expenses
  • Get a 0.25% rate discount1
    TD personal checking customers get a rate discount, just for banking with us, no automatic payment required
  • Option to lock your rate2
    You can choose to fix the rate on all or a portion of your line, with no setup fees, and keep accessing the rest of your available line of credit. Calculate what your rate and monthly payment could be
  • Convenient ways to access your funds
    Transfer funds into your personal checking or savings account online, with our mobile app, by phone or at any TD Bank. Use checks or the Visa® EquityAccess Card3 to make purchases and pay for services
  • Checking overdraft protection available
    With TD EquityAccess PLUS, you get the same rates and features of our Home Equity Line of Credit, plus the option to sign up for overdraft protection during your application
The fastest way to apply

Renovate your house

  • Increase your home's value with renovations like kitchen and bathroom remodels or energy-efficient upgrades
  • Good for do-it-yourself projects or major renovations
  • Enjoy improvements to your living space

Consolidate debt

  • Enjoy financial freedom by consolidating debt into a lower monthly payment
  • Replace multiple monthly bills with one simple payment
  • Pay off outstanding balances on high-interest credit cards and other loans

Make a major purchase

  • Pay for education expenses4
  • Make big purchases like a new car, travel or recreation
  • Be prepared for unplanned events that require large purchases or expenses

Additional resources

More home equity calculators

See potential savings when you consolidate debt, explore payment options and more

Home equity lending process

Know what to expect from your application to closing

Fixed-rate option calculator

See what your rate and monthly payment could be if you convert your HELOC from a variable rate to a fixed rate

Already started the home equity lending process?

Finish applying, check the status of your application, or make a payment on your current home equity line of credit or loan. Plus, get tips and info on home lending.

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