You may never need to apply for credit again.

If you like the idea of paying your mortgage at your own pace, a Home Equity Line of Credit provides you with a flexible alternative to a traditional mortgage. A Home Equity Line of Credit lets you determine your own monthly payments -- as low as interest only, or as much as you want.

You may never need to apply for credit again.

With the Home Equity Line of Credit, you can have access to up to 75% of the appraised value or purchase price of your home (whichever is lower), less any prior outstanding mortgage charges. As your mortgage balance decreases, your available credit increases. Use your available credit to --

• Renovate
• Take a vacation
• Purchase a vehicle or recreational property
• Take advantage of investment opportunities

Flexibility puts you in control

If you would like to protect yourself from interest rate increases and establish regular fixed payments to help you plan your budget, you can choose to convert all or any portion of your Home Equity Line of Credit balance to the Fixed Rate Advantage Option and lock in a competitive fixed mortgage interest rate at any time.

¹ Available only on revolving portion.