Home Equity Line of Credit (HELOC)

Equitable Bank's Home Equity Line of Credit (HELOC) is designed to help you manage your finances. Our HELOC gives you flexible access to your funds any time to help you finance large purchases, home renovations or unexpected home repairs. Or it may simply be your rainy day fund.

Whatever the occasion, Equitable Bank is here for you.

Lines of Credit

Equitable Bank's HELOC has a number of options for anyone looking to unlock equity in their residential property.

  • Need a mortgage and a HELOC? Combine your first mortgage and HELOC at the same time with Equitable Bank. Or you can apply for a HELOC if you have an existing Equitable Bank mortgage.
  • Have a mortgage elsewhere? You can use funds from your Equitable Bank HELOC to pay out your existing mortgage.
  • Have you paid off your home? The Equitable Bank HELOC is available at any time if you are mortgage-free.

Do you need an easy way to access your funds? Your HELOC comes with an Equitable Bank Visa* Access Card (Access Card) and personalized HELOC cheques to make accessing your funds convenient.

If you are interested in the Equitable Bank HELOC, please contact a professional mortgage broker to get started.

Benefits of the Equitable Bank HELOC

  • No annual fee on your Access Card
  • Complimentary initial set of HELOC cheques
  • No standard processing fee on your HELOC cheques
  • No fee for having a zero balance
  • No fee for the current month's statement
  • Monthly payment as low as interest-only
  • Free online account access
  • Use your Access Card for purchases anywhere Visa is accepted1, and for cash advances from ATMs displaying the Visa and/or Plus logos2.
  • To access your HELOC account online, please use the account number that was mailed to you upon opening your HELOC account. To inquire further about the online service, call 1-877- 338-4659 (available 24 hours a day, 7 days a week).
  • Re-order HELOC cheques: 1-888-334-3313 Monday to Friday, 8:30 am to 5:00 pm EST (excluding statutory holidays).
  • Report a lost or stolen Access Card immediately: 1-877-338-4659 or from outside Canada or USA call collect: 1-727-570-4899
  • Equitable Bank Mortgages: We would be pleased to assist you with your Equitable Bank mortgage inquiries Monday to Friday, 8:30 am to 5:00 pm EST (excluding statutory holidays) at 1-888- 334-3313.

Go Online with Your HELOC

You can access your monthly statements and take advantage of the following benefits:

  • View account statements & transactions
  • Manage your email and mailing preferences
  • Track your spending by category
  • Download account information
  • Manage email alerts (i.e. payment due date, payment processed, available credit, etc.)

To access your HELOC account, please use the account number received in the mail. To inquire further about online service, call 1.877.338.4659 (available 24 hours a day, 7 days a week).

Log On or Enroll now

*   Trademark of Visa Int., used under license.
1   View list of restricted countries and merchants.
2   Subject to daily ATM withdrawal limits determined by the ATM owner.


Equitable Bank cannot guarantee that a restricted transaction will be denied or blocked from being authorized or processed. Therefore, you should not rely on the restrictions to control or limit your use of your Visa Access Card. The restrictions noted above do not describe all the limitations on the usage of your HELOC Account. Please refer to the terms and conditions your HELOC Agreement for more information.