HELOC rates
HELOC pricing is tied to prime and lender-specific adjustments. Compare rates and understand borrowing limits.
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Highlights
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Prime-based HELOC pricing with lender notes.
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Useful for renovations and readvanceable strategies.
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Reviewed rate context
This page is maintained by Pragmatic Mortgage Lending for Canadian borrowers comparing rate categories, lender fit, and product trade-offs. Rate tables can change without notice, so final advice still depends on the live lender file and approval conditions.
Reviewed by the Pragmatic Mortgage Lending broker team. Updated May 1, 2026.
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Frequently asked questions
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.