Home Equity Loans and Lines of Credit

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1Available on 1-4 family primary or secondary residences, excluding mobile homes, and homes for sale, under construction or on leased land. For co-ops, additional terms and conditions will apply.

Annual Percentage Rate (APR) is variable based on The Wall Street Journal Prime [loading], and will not exceed 18%. Prime as of [loading] is [loading]. Minimum line amount for Prime [loading] is $200,000. Other rates are available for lines of credit in amounts below $200,000. APR is an estimate only. APR calculation does not include fees and charges that may be applicable. A TD Bank personal checking account is required to be eligible for this 0.25% discount, which is reflected in the rate shown above. This relationship discount may be terminated and the interest rate on this account may increase by 0.25% upon closure of the qualifying checking account. Rates may vary by state, and are based on the state in which the collateral property is located.

The following fees apply: annual fee of $50 (except on loan amounts less than $50,000) is assessed after one-year anniversary, origination fee of $99 (which is a finance charge) and early termination fee of 2% of outstanding principal balance (maximum $450) if line of credit is paid off and closed within 24 months. Property insurance required. If you pay interest only, you still owe the amounts drawn and your monthly payment will increase when the interest-only period ends. Offer valid on line amounts up to $500,000. For line amounts greater than $500,000, additional terms and conditions will apply.

Rates will be higher for combined loan-to-value (CLTV)* ratios higher than 80%. Maximum CLTV is based on credit worthiness, property type, occupancy** and loan amount. Lien position may affect the maximum loan amount. For a property value greater than $2,500,000: additional terms and conditions may apply. Rates subject to change. Ask us for details.

2A TD Bank personal checking account is required to be eligible for this 0.25% discount, which is reflected in the rate shown. This relationship discount may be terminated and the interest rate on your Home Equity Line of Credit account may increase by 0.25% upon closure of your qualifying checking account.

3Available on 1-4 family primary or secondary residences, excluding mobile homes and homes for sale, under construction or on leased land. For co-ops, additional terms and conditions will apply.

[loading] Annual Percentage Rate (APR) is for loan amounts between $100,000 - $499,999 with 120-month term. Other rates are available for other loan amounts and terms. Rate shown includes discount of 0.25% requiring Automatic Payment Deduction from a TD Bank personal checking or savings account. Rates may vary by state, and are based on the state in which the collateral property is located.

Origination fee of $99, which is a finance charge, applies. Property insurance required. Offer valid on loan amounts up to $500,000. For loan amounts greater than $500,000, additional terms and conditions will apply. Rates will be higher for combined loan-to-value (CLTV)* ratios higher than 80%. Maximum CLTV is based on creditworthiness, property type, occupancy** and loan amount. Lien position may affect the maximum loan amount. For a property value greater than $2,500,000: additional terms and conditions may apply. Rates subject to change. Ask us for details.

4Use Automatic Payment Deduction and get 0.25% off your Home Equity Loan rate. Requires Automatic Payment Deduction from a TD Bank personal checking or savings account to be eligible for the 0.25% discount which is reflected in the rate shown.

*Combined loan-to-value (CLTV) is a percentage calculated by dividing your total outstanding mortgage(s) - or liens - by the market value of the property.
For example, for informational purposes only, if your:
Outstanding Balance: Mortgage = $100,000
Outstanding Balance: Second Mortgage = $50,000
Total Liens = $150,000
Market Value = $350,000
Combined Loan-to-Value: 43%

**Occupancy is related to how you use the property. 1) Primary occupancy: a property in which you live most of the year; 2) Secondary occupancy: a property in which you live part of the year (e.g. weekends or vacations); 3) Investment: a property that is used by others, in which you may or may not receive rent.

Loans subject to credit approval. Equal Housing Lender House