Financing on your home, for your life.
Use what you have
Renovating your basement. Funding your child's education. Snowballing your debt. We make it easy to use what you have to get what you need.
Borrow on your timetable
Apply once, and this HELOC is yours as long as you need it. It renews automatically—as you pay down your balance, you regain access to those funds.
Repay on your terms
Make the minimum monthly interest payment or pay more—up to the entire balance. There's no repayment deadline and no fixed term.
Frequently Asked Questions
Yes. You can take out a HELOC on a rental or investment property, as long as it's residential.
Until March 31, 2023, our offer includes a waiver of fees associated with establishing a new HELOC account, like Land Titles registration and legal fees, a value of up to $750.
You may have to pay for an appraisal on your home to qualify for this HELOC. Appraisals typically start at $275 and can go up based on the size and location of your home.
Find the line of credit that's right for you
This offer is available until March 31, 2023 and is on approved credit. Rates are variable based on ATB’s Prime lending rate which can fluctuate without notice. Promotional HELOC rate is for a 1 year term. After 1 year, the HELOC rate will revert to Prime +1.0%. Maximum equity percentages apply and are subject to any prior mortgage or other encumbrances. Some conditions and minimum amounts may apply. Residential properties only.
Offer includes waiver of fees associated with establishing a HELOC account, like Land Titles registration, a value of up to $750.
Based on approved credit and subject to any prior outstanding mortgage or other encumbrances.
Related documents: Little Book of Personal Line of Credit (PDF)