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U.S. Home Equity Solutions for Canadians
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Two Options for Canadians to Tap Into U.S. Equity
Use it to renovate your home, pay for upgrades and cover U.S. bills and expenses, and have U.S. cash on hand without concern for fluctuating foreign exchange costs.
Home Equity Line of CreditDisclaimer30
HELOC OFFER
Save thousands on closing costs with an RBC Bank HELOC31
Offer available until April 30, 2025
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Maximum flexibility with access to funds online, anytime
No minimum balance, usage or draw requirements -
Peace of mind of having U.S. cash when you need it
No concern for fluctuating foreign exchange costs -
Borrow up to 80% of the equity in your home
Interest only payments for a 10 year draw period - Make just the minimum payment
Flexible repayment options - make interest only payments or pay more to reduce your balance
Refinance Your PropertyDisclaimer27
$0 UNDERWRITING FEES
$0Disclaimer28 underwriting fees on new refinancing
Offer available until April 30, 2025
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Get a lump sum of cash
Make monthly payments amortized over 30 yearsDisclaimer25 -
Our lowest interest rates
Lock in for 3-, 5-, 7- or 10-year termsDisclaimer25 with free renewals -
No pre-payment penalties
Make lump sum payments at any time - Check Refinancing Rates
Get Your Free Guide to Using Your U.S. Equity
In this guide, you’ll learn:
- How to use your U.S. equity to your financial advantage as a Canadian
- How much you may be able to borrow and your options for accessing equity
- Benefits and considerations of each home equity option
- Differences between Canadian and U.S. home equity financing
- Tax and insurance considerations
U.S. Equity Tools & Advice
Calculate the U.S. Equity You Can Access
Cash-Out RefinanceDisclaimer27 or No-Fee HELOCDisclaimer31? Estimate your monthly payments in USD or CAD.
