HELOC rates
Here are today's Home Equity Line of Credit (HELOC) rates. See your personalized rates and find out how much cash you can get with our online pre-approval. It only takes a few minutes and won't impact your credit score.
HELOC was built for customers with immediate cash needs in mind. Better's HELOC could work for you if you:
- ✓Own a primary, secondary or investment home
- $Need $50K - $500K in cash
- ✗Draw minimum 75% of amount upfront**
Current HELOC Rates
What impacts your HELOC rate?
Credit Score
A higher credit score usually means a lower rate because it shows lenders you're good at paying back money.
Home Equity
The more equity you have, the better your rate. Loan-to-Value (LTV) ratio is key: Under 80% LTV typically qualifies for our lowest rates.
Property Location
Rates can vary based on local housing market conditions and state lending regulations.
HELOC Term
Your HELOC term determines how long you can access funds and how long you have to pay them back.
Why choose Better for your HELOC
- Speed: Get pre-approved in as little as 3 minutes – no impact to your credit score
- Convenience: Apply, get approved, and manage your HELOC entirely online
- Transparency: No hidden fees, no last-minute surprises
- Competitive rates: See exactly how we stack up against other offers