Or call to apply: 1-800-815-6849


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What you get

A Home Equity Loan lets you borrow the funds you need all at once for a specific period of time. Your rate is fixed so you'll have a consistent monthly payment.

  • Low fixed rate, lower than other forms of credit
    Get a competitive fixed rate as low as
    %.1 Check with your tax advisor to see if the interest you pay is tax deductible
  • $10,000 minimum loan amount, with terms from 5 to 30 years4
    Receive your funds in one lump sum and pay it off with consistent and predictable monthly payments
  • Get a 0.25% rate discount3
    Set up auto pay from a TD personal checking or savings account and receive a 0.25% rate discount – plus, you'll never miss a payment

Get your personalized rate quote

Use TD Home Loan Match to see rate and payment options to help you find the best loan to get cash out of your equity.

  • 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 expenses2
    • Make big purchases like a new car, travel or recreation
    • Cover other large purchases or expenses

Additional resources

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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Ways to apply

1The rate is for illustrative and educational purposes only. Your actual Annual Percentage Rate (APR) may be different than the rates shown. % Annual Percentage Rate (APR) is for loan amounts between $100,000 and $499,999 with 120-month term and collateral property in second lien position. The interest rate is fixed for the life of the loan. Loan terms can range from 5 years to 30 years. As of , APRs for Home Equity Loans range from % to %. The APR will not exceed 18%. Other rates are available for other loan amounts and terms. Rates may vary by state, and are based on the state in which the collateral property is located. Your APR is based on the specific characteristics of your credit application including but not limited to: evaluation of credit history, amount of credit requested, property type, lien position, combined loan to value, and/or geographic location. Combined loan to value (CLTV) is a percentage calculated by dividing your total outstanding mortgage(s) – or liens – by the market value of the property. Rates subject to change.

Rate shown includes discount of 0.25% requiring Automatic Payment Deduction from a TD Bank personal checking or savings account.

Origination fee of $99, which is a finance charge, applies.

Maximum combined loan to value (CLTV) is based on credit history, property type, occupancy, lien position and loan amount. Occupancy is related to how you use the property. 1) Primary occupancy: a property in which you live most of the year; 2) Secondary occupancy: a property in which you live part of the year (e.g., weekends or vacations); 3) Investment: a property that is used by others, in which you may or may not receive rent.

Offer valid on loan amounts up to $500,000. For loan amounts greater than $500,000, additional terms and conditions will apply. Lien position may affect the maximum loan amount.

Available on 1–4 family primary or secondary residences, excluding mobile homes, boats, RVs, and homes for sale, under construction or on leased land. For co-ops, additional terms and conditions will apply. For a property value greater than $2.5 million, additional terms and conditions may apply. Property insurance is required.

Interest paid on an equity line or equity loan may be tax deductible. Consult your tax advisor about the deductibility of interest.

2TD Bank does not offer student loans.

3A TD Bank personal checking account is required to be eligible for this 0.25% HELOC rate discount. This relationship discount may be terminated and the interest rate on your Home Equity Line of Credit or Personal Unsecured Line of Credit account may increase by 0.25% upon closure of your qualifying checking account. For a Home Equity Loan or Personal Loan, rate discount requires automatic payment deduction from a personal TD Bank checking or savings account. This discount may be terminated and the interest rate on this account may increase by 0.25% upon cancellation of the automatic payment deduction.

4Loan amounts for less than $25,000 are only available for Home Equity Loans with Primary Residence as property use.

For loans secured by New York property: TD Bank NA is registered with the Superintendent of New York. You may file complaints and obtain further information about the servicer by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department's website at www.dfs.ny.gov.

Mortgage and Home Equity Servicing Fee Schedule

TD Bank NA may utilize third-party providers during the servicing of your loan. Please contact TD Bank NA if you have any questions.

Loans subject to credit approval. Equal Housing Lender 

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TD Bank Home Equity Loan1

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