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Funds for whatever comes your way

Get access to a specific amount of money and then use any amount, within your approved limit, at any time.  Ongoing, flexible options offer a long-term solution to maximize your purchasing power.

Key benefits:

  • Easily access funds through your chequing account
  • Instant access to your funds as you need it

Flexible options:

  • Competitive interest rates
  • Flexible payments, including interest-only

What can you do with a line of credit?

In case of emergency

It’s always good to have a plan in case of emergency, and a line of credit is just that. Be prepared for anything.

Unexpected expenses

Your line of credit can get you through life’s unexpected expenses like car repairs or replacing an appliance.

Whatever you like

On the bright side, you can use your line of credit for the fun stuff too—vacations, investments, RRSP contribution, and more.

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Protect against loss of income

Loan insurance can protect you and your family from the unexpected.

  • Protect your savings
  • Get peace of mind for you, your family, and dependants
  • Cover expenses if your income reduces

Loans vs lines of credit

Should you choose a loan or a line of credit?

The choice is yours and we’re here to help you find your solution. From a one-time amount for a specific need, to funds you can access any time for anything.

Why a loan?

  • Structure plan
  • Set monthly repayments
  • Finance a large one-time expense

Why a line of credit?

  • Pre-agreed borrowing limit
  • Access, withdraw, and repay funds any time

Lines of credit for homeowners

Access funds through your mortgage

As a homeowner, you have options that complement your mortgage. Borrow against the equity in your home, or simplify debt management with one easy payment.

Unlock home equity

Home Equity Line of Credit

Use the equity built up on your home for financial freedom. Tackle a reno project, pack your bags for a trip, or even pay off high-interest debts. Explore the possibilities with a Home Equity Line of Credit.


  • Borrow for that big purchase
  • Save money with a lower interest rate
  • Borrow up to 80% of the value of your home



Access equity anytime

Total Access Home Equity

Go for the mortgage that does more. A convenient way to manage all of your credit needs in one place, with one product, Total Access Home Equity is a flexible solution to put your home to work for you.


  • Borrow at a lower interest rate
  • Access your equity any time, for any reason
  • Consolidate debt into your mortgage



See how much you could borrow

Use our loan calculator to determine the amount you can borrow and what your repayment schedule might be.

These calculators are made available to you as tools for independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy. All examples are hypothetical and are for illustrative purposes only. Please visit your branch to seek personalized advice from qualified professionals for all personal finance issues.

Budgeting tools & guides

Tools to track your spending

Budgeting isn't easy, but it can help you understand where your money's going. And that makes it easier to figure out how to reach your goals.

Why track spending?

Tracking your spending habits isn’t about taking the fun out of life. It’s about getting a handle on your finances.

Household budget worksheet

Keeping a budget starts with tracking your spending. This handy worksheet can help.

Guide to

Think having a budget is not worth the effort? Our guide to budgeting can help you get started.