HELOC rates
Ask about my rateCompare Canadian HELOC rates, prime-based pricing, readvanceable structures, borrowing limits, repayment flexibility, and home-equity planning tradeoffs.
HELOC · $750,000 home · $750,000 mortgage
BC · HELOC · 25-year amortization · Live in the home
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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.
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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.
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We’ll help you weigh the rate, flexibility and costs. Brokerage services are available for BC properties.
Find rates by lender
Open a lender to see verified fixed and variable reference rates, conditions and source checks. These examples cover different down payments and terms; use the shopper to check your own situation.
- ATB Financial
- AVEO by CMLS Financial
- B2B Bank
- B2B Bank Alternative
- Beem Credit Union
- BlueShore Financial
- BMO Bank of Montreal
- Bridgewater Bank
- CIBC
- CMLS Financial
- CoastCapital Savings
- Community Savings Credit Union
- CWB Optimum Mortgage (Alternative Lending)
- Desjardins
- DUCA
- DUCA (Near Prime)
- Eclipse (MCAP & RMG)
- Envision Financial
- Equitable Alternative Solutions
- First National Excalibur
- First National Financial
- HAVENTREE Bank
- Home Trust
- Island Savings
- Manulife
- Marathon Mortgage
- MCAN Home - Discover Alternative for Uninsured
- MCAN Home - Precision Prime for Insured
- MCAP
- MERIX - Standard (Lendwise)
- MERIX - Trailer
- National Bank of Canada
- Neo Financial
- NPX
- Peoples Bank (For Exclusive Partners Only)
- Pine Mortgage (Pine Financial)
- Prospera
- Radius Financial
- RBC Royal Bank
- RFA
- RFA Alternative
- RMG Mortgages
- Scotiabank
- Strive Capital
- TD Canada Trust
- Valley First
- WealthONE Bank
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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.