Revolving credit linked to your home, with disciplined guardrails.
Use equity responsibly
Home equity lines of credit (HELOCs) provide revolving access to funds. We model borrowing capacity, interest-only payment impact, and renewal plans upfront so you stay in control.
Best for
Renovations with phased draw schedules.
Emergency liquidity without reapplying for new credit.
Investors executing Smith Manoeuvre / Maneuver or rental damming with professional guidance.
Considerations
Floating rates can change monthly.
Combined loan-to-value is typically capped at 65% for HELOC portions.
Representative rates
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