Home Equity Loans & Lines of Credit

Now’s the time to borrow. Get a great rate on a home equity loan or line of credit.

Home Equity Loans

If you need to borrow for a specific purpose, a fixed rate, fixed term Home Equity Loan may be your answer. No application or appraisal fee. Same-day approval. And the interest may be tax deductible - check with your tax advisor. To apply, click here, call 1-800-YES-5020 or visit any store.

**Rates listed require automatic payment deduction (APD) from a TD Bank, N.A. account. Here is a sample of a monthly payment for a 5-year $10,000 loan if you have an APR Fixed at 9.09% and a loan to value of 89.9% or less would be $208.02. Without automatic payment deduction, the APR would be 9.34%. Maximum of 89.9% loan-to-value for First and Second Lien Positions or 74.9% loan-to-value for Rental Properties.

Please contact us at (800) 937-5020 for our current rates and our rates on Rental/Investment Properties. Offer may be withdrawn at any time. Certain restrictions apply. Property and/or flood insurance may be required. Loans greater than or equal to $500,000 require title insurance, the cost of which is to be paid by the customer. Lines and Loans will be charged a $99 Origination Fee at time of closing. The Origination Fee is a finance charge.
RATES MAY VARY BY STATE, TERM AND LOAN AMOUNT.

Home Equity Lines Of Credit

You’re in control with a Home Equity Line of Credit. Use your line all at once or a little at a time. With a Home Equity Line of Credit, you’ll be ready to take advantage of a great opportunity or cover any emergency. You’ll pay interest only on the money you use. And the interest may be tax deductible - check with your tax advisor. For information about our new Interest-Only Home Equity Line of Credit, click here. To apply, click here, call 1-800-YES-5020 or visit any store.

*The Home Equity Line is a variable rate line of credit. The rate is equal to the Prime Rate as published in the Wall Street Journal + .75% and is subject to change. The Prime Rate as of December 17, 2008 is 3.25%. This rate is available to lines of credit for which the loan value is $200,000 and Up. Other rates are available for lines of credit with other loan values. Maximum of 89.9% loan-to-value for First and Second Lien Positions on primary properties or 74.9% loan-to-value for Rental Properties. Maximum LTV of 80% for all property types where loan value is greater than or equal to $500,000.00. Maximum lifetime cap 18% APR. Property and/or flood insurance may be required. Lines greater than or equal to $500,000 require title insurance, the cost of which is to be paid by the customer. Lines and Loans will be charged a $99 Origination Fee at time of closing. The Origination Fee is a finance charge. The origination fee is not included in the calculation of APRs for HELOCS.

RATES MAY VARY BY STATE, TERM AND LOAN AMOUNT.