CoastCapital Savings
Home equity line of credit
Secured against your home
4.95%
APR$2,011
Est. interest / monthHELOC rates
Ask about my rateCompare Canadian HELOC rates, prime-based pricing, readvanceable structures, borrowing limits, repayment flexibility, and home-equity planning tradeoffs.
Example scenario · make it yours
HELOC · $750,000 home · $487,500 mortgage
BC · HELOC · 25-year amortization · Live in the home
A starting point
Matching mortgage rates.
1 of 1 matching rates · $487,500 financed · 25-year amortization
Lowest APR first
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How your rates stay current
Supported public lender sources are checked once daily at 6 a.m. Vancouver time. Each offer shows when its source was checked. Your matches refresh while this page is open.
Expired promotions and rates without recent verification are removed automatically. A lender’s rate hold is separate from a promotion deadline. Promotional badges identify special rates; broker cashback estimates appear separately.
Choose your property, down payment, province and amortization to see matching products, then compare up to three for payment, interest and balance. Confirm fees, prepayment privileges, penalties and any funding deadline with your broker.
How these estimates work
Monthly payments include principal and interest; no new borrower-paid default-insurance premium is included. HELOC estimates show interest only on the full amount drawn.
Fixed rates use semi-annual compounding; variable rates use monthly compounding. Estimates assume constant rates and no extra payments. Fees, penalties, property tax, home insurance and closing costs are excluded. Confirm the product’s contract and lender APR.
Results are from Pragmatic’s published catalog, sorted by nominal rate; they are not whole-market coverage or an approval. Catalog update dates are shown in each rate’s details.
Open the payment calculatorA little guidance goes a long way.
We’ll help you weigh the rate, flexibility and costs. Brokerage services are available for BC properties.
Find rates by lender
Explore each lender’s rate examples, terms and conditions. For a comparison based on your own numbers, use the rate shopper.
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Compare the same balance, term, amortization and insurance category. Displayed rates depend on eligibility and lender approval.
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Understand the rate you’re looking at.
A HELOC rate is usually variable and quoted as the lender's prime rate plus an adjustment. Interest is charged only on the amount drawn, but interest-only minimum payments can leave the balance unchanged. Compare the approved limit, readvanceable structure, registration, fees, repayment plan, and refinance alternative before opening the line.
HELOC pricing is tied to prime and lender-specific adjustments. Compare rates and understand borrowing limits.
- Pricing
- Usually lender prime plus an adjustment
- Best fit
- Staged or revolving access to home equity
- Main risk
- Variable interest and a balance that never amortizes
Before you accept an offer
- Prime-based HELOC pricing with lender notes.
- Useful for renovations and readvanceable strategies.
- Save and compare options in the dashboard.
Clear answers
Before you decide
Is a HELOC rate different from a variable mortgage?
Yes. HELOCs are revolving credit lines and often have different pricing and repayment rules.
How much can I borrow on a HELOC?
It depends on your equity, lender policy, and property type.
References
Use the regulator and consumer-agency guidance alongside the written terms of your lender’s offer.
Pragmatic Mortgage Lending · BC
Find the rate that fits the whole mortgage.
We’ll review lender eligibility, penalties and flexibility alongside the payment.