Put your equity to work — keep your low rate.
A home equity line lets you borrow against what you've built without refinancing your first mortgage. Renovate, consolidate higher-interest debt, or fund your next investment — and only pay for what you draw.
- Renovations
- Debt consolidation
- Buying an investment property
- Bridge financing
Built to do what conventional financing can't.
Protect your first-mortgage rate
A HELOC sits behind your existing loan, so that 3–4% first mortgage stays exactly where it is.
Draw only what you need
Access the line in pieces during the draw period and pay interest only on the balance you've used.
Primary or investment
Programs for owner-occupied homes and investment-property HELOCs — including higher-CLTV options.
Reusable leverage
As you pay the line down, that credit becomes available again — a flexible tool for repeat investors.
How much equity can you unlock?
HELOC equity & payment
See how much of your equity you can unlock and what the payment looks like.
Equity you can access
$280,000
At 85% combined LTV on $800,000
Good to know.
How much can I borrow?+
Most lenders allow a combined loan-to-value (first mortgage + HELOC) of 80–90% of your home's value. The calculator above lets you set the CLTV and see your available line instantly.
What's the difference between the draw and repayment periods?+
During the draw period (often 10 years) you can borrow and typically make interest-only payments. After that, the balance amortizes over the repayment period with principal-and-interest payments.
Can I get a HELOC on a rental property?+
Yes — investment-property HELOCs exist, though they carry lower max CLTVs and higher rates than owner-occupied lines. It's one of the most powerful tools for scaling a portfolio.
Will this affect my current mortgage?+
No. A HELOC is a separate, subordinate loan. Your existing first mortgage — rate, term, and balance — is untouched.
Let's build your structure.
Tell me your goal and the numbers. You'll get a clear, no-pressure plan — and the rate that fits it.