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Choose a special introductory rate period of 6 months with APRs as low as 2.99% or 12 months with APRs as low as 3.99%. After that, a variable APR applies, currently as low as .1 Get started today.

Save up to 0.50%
with discounts on your HELOC1.   Get started

Home equity line of credit offers & resources

Put the power of your home to work.


Find out how a HELOC can help you achieve your goals.

Renovate your home

A man measures out a part of the wall for a home improvement project while his dog watches.

A HELOC can help customize and potentially add value to your home.


Start your home improvements

 

 

Consolidate your debt

A young woman in her kitchen looks at her finances on her laptop.

Simplify your finances with a HELOC. Consolidating your debt may reduce your monthly payments.


Take control of your debt

 

 

Build a safety net

A man looks under the hood of his car that is broken down on the side of the road.

Tap into your HELOC for whatever you need, like major purchases or unexpected expenses.


Be ready for anything

Save up to 0.50% off your rate1

Take advantage of our limited-time rate discounts today. You can save:

couple laughing together

Save up to 0.50% off your rate1

Take advantage of our limited-time rate discounts today. You can save:

  • 0.25% with Autopay from an eligible BMO checking account, plus

  • 0.25% with eligible draw down at closing.

Bonus: You’ll pay no upfront fees and low to no closing costs.

Interested in something else?

Explore our loans and lines of credit.



Looking to buy a new place?

Learn more about our mortgage options.


Three easy steps to getting a HELOC


1. Get started


Meet with a lending specialist who will learn about your needs and your property.

2. Submit the application paperwork


Once approved, your lending specialist will walk you through all the documentation you need to complete the application process.

3. Close your loan


We’ll work with you to schedule your closing and get you ready to go!

Tip: Don’t have a mortgage with us? No worries. You don’t have to bank with BMO Harris to apply for a HELOC.

Three easy steps to getting a HELOC

 

1. Getting Started

Meet with a lending specialist who will learn about your needs and your property.

2. Submit the application paperwork

Once approved, your lending specialist will walk you through all the documentation you need to complete the application process.

3. Close your loan

We’ll work with you to schedule your closing and get you ready to go!

Tip: Don’t have a mortgage with us? No worries. You don’t have to bank with BMO Harris to apply for a HELOC.



Why choose BMO Harris



Competitive Rates


Save up to 0.50% on your HELOC1


Fixed low rates


Lock in a low rate with our Fixed Rate Lock Option


Personalized advice


Our lending specialists will guide you through the entire HELOC process and find ways to help you achieve your home goals.


Helpful resources


Explore our tools and calculators2 to help understand all your options.

 


Competitive Rates

 

Save up to 0.50% on your HELOC1


Fixed low rates

 

Lock in a low rate with our Fixed Rate Lock Option


Personalized advice

 

Our lending specialists will guide you through the entire HELOC process and find ways to help you achieve your home goals.


Helpful resources

 

Explore our tools and calculators2 to help understand all your options.



Put the power of your home to work.


Find out how a HELOC can help you achieve your goals.



 

1. Special offers are subject to change at any time without notice.

Auto Pay Discount: To receive a 0.25% rate discount you must authorize BMO Harris Bank to withdraw your home equity line of credit payment each month from a BMO Harris eligible checking account: BMO Harris Smart Money Account, BMO Harris Smart Advantage Account, BMO Harris Select Checking®, BMO Harris Premier Account or BMO Harris Portfolio Checking®.

New Money Discount: The 0.25% interest rate discount is available when an initial draw of $25,000 or more is withdrawn at closing, excluding funds to pay any BMO Harris debt. This offer is valid for home equity lines of credit and is not valid for home equity loans. This offer may not be combined with other interest rate discounts, with the exception of Auto Pay, Best of BMO, Premier and Private Bank customer discounts. This offer is not valid on any existing BMO Harris home equity line of credit.

2. Calculators are provided by Leadfusion Inc., which is not affiliated with BMO Harris. The results and information provided on this website are estimates and are provided for informational purposes only. Results depend on many factors, including the assumptions you provide. We do not guarantee their accuracy, or applicability to your circumstances. Please note that Leadfusion may have different privacy and security standards than BMO Harris and you should visit its website at www.leadfusion.com open externally to review its privacy policy. BMO Harris does not provide tax or legal advice and you should consult your tax or legal advisor for tax and legal advice.

Apply for your HELOC with help from a lending specialist

 

 


Connect with a lending specialist


Get professional advice when it’s convenient for you


Let us contact you


Make an appointment at a branch


Chat about your options in person



Make an appointment


Give us a call


We can help you complete the application process


1-800-546-6101


1-800-546-6101