Compare TD Bank Home Equity Loans and Lines of Credit
Compare the benefits and features of our home equity financing options. Choose a TD Bank Home Equity Loan for a predictable monthly payment and fixed interest rate, or a TD Bank Home Equity Line of Credit for competitive rates and funds when you need them. Which lending option is right for you? Review the benefits and features of our home equity financing options.
Home Equity Lines of Credit
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Home Equity Loans
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Features |
A flexible line of credit against the equity in your home that you can draw from when you need it.
The TD Bank EquityAccess PLUS is a line of credit with the option to protect your TD Bank checking accounts from overdrafts |
Borrow a certain amount for a specific period of time. Your payments are fixed, so you’ll know what your payment will be every month |
Best for you if |
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Primary purpose |
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Interest rate |
Variable, with a fixed rate option |
Fixed |
Home ownership required |
Yes |
Yes |
Potential tax deduction of interest* |
Yes |
Yes |
How to access your funds |
Visa® EquityAccess Card1 and personalized checks – at a TD Bank location or online |
Receive all funds in one lump sum |
Maximum combined loan-to-value % |
89.9% of home's value |
89.9% of home's value |
Calculate your home equity rate and payment
Use our calculator to find the rates and terms to go with the loan you need.
Get the most out of your home's equity
Ready to choose?
Get more details on TD Bank Home Equity Loans and Lines of Credit, including rates and how to apply
Already started a HELOC application?
Finish your saved TD Bank Home Equity Line of Credit or TD Bank EquityAccess PLUS application
Check the status of your application
See where your TD Bank Home Equity Loan or Home Equity Line of Credit is in the application process
Make a TD Bank Home Equity payment
Log in to the TD Online Loan Payment Center to make a home equity loan or line of credit payment or pay by phone at 1-888-751-90001-888-751-9000