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Personal Equity Link Line

Leverage the equity in your existing assets to meet your borrowing needs.

Leverage your equity to meet your borrowing needs

Starting at
Features of our Equity Link Line
  • Borrow $5,000 or more
  • Choose between monthly, biweekly, or weekly payment options
  • Secured and unsecured options available
  • Additional disability, life, and critical illness insurance is available for qualifying borrowers*

Benefits included with all of our lines of credit

Pay interest only on the amount you use, with competitive and affordable rates


Receive answers quickly and efficiently with in-house approvals


Select payment options and terms that fit your budget


Enjoy the convenience of applying once, then using your funds whenever you need


Choose how you would like to use your Equity Link Line

Real Estate Equity Link Line

If you’re planning a renovation or home improvement project, you can leverage equity from your home or a property you own.

Registered Investment Link Line

Catch up or top up your investments, with access to credit you can use now and in the future.

Net Worth Equity Link Line

Leverage home or cash equity to cover the cost of a vacation or to consolidate high-interest debt.

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Get ready for your lending meeting

Meeting with a lending specialist is a great opportunity for you to ask questions and explore your borrowing options. Here’s what we need you to bring.

Download our checklist

Tips & tools

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Explore related products

Equity Link Lines pair well with our personal chequing accounts and personal loans.
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Manage your accounts on the go

Enjoy free access to online banking and our mobile app anytime, anywhere. Visit our digital banking centre to learn how to get started.
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Crunch the numbers

Use our borrowing calculators to help you plan how much you’ll spend on payments, the total cost of your debt, and ways to pay off debt faster.

Personal borrowing rates

Interest Rate
Standard loan rate 7.20%
Line of Credit 8.20%
Personal Loan 8.20%
StudentFLEXTM Line of Credit Rates Vary
Overdraft Link Line 18.0%
e-Loan Rates Vary

Loan / line of credit / mortgage insurance coverage is optional and is underwritten and provided by CUMIS Life Insurance Company.  Creditor’s group insurance coverage is optional and is underwritten by Co-operators Life Insurance Company. Supporting services, such as enrollment intake, medical underwriting and claims administration are provided by the employees of CUMIS Services Incorporated. Coverage is governed by the terms and conditions of the creditor’s group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full coverage details.

Insights & Advice

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Get advice

Please fill out this form to submit your questions/comment or you could contact our Member Contact Centre at our toll-free number

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