*Rates shown are for 1-4 family, owner occupied residences located in our lending market within MA. Maximum loan-to-value (LTV) of 80% of appraised value. Properties valued at over $1 million may be subject to lower LTV.  Property insurance required. Accounts subject to individual approval. No closing costs except for cooperatives and properties held in a trust. Our Home Equity Lines of Credit have a 20 year draw period followed by a 20 year repayment period for owner occupied properties. A $40 Annual Fee is waived for the first year. Early termination fee of $250 or 2% of the HELOC’s credit limit, whichever is less applies if Line terminates within 12 months of closing. The Annual Percentage Rate (APR) varies daily, is based on the Prime Rate as listed in the Wall Street Journal (Prime) plus or minus a margin, and will also depend on the amount of the Home Equity Line of Credit that we approve. However, the APR will not be less than 3.00% APR or more than 18% APR. As of 9/1/2023 the Prime Rate is 8.50% APR. Minimum Line of Credit is $25,000. For Home Equity Lines of Credit of $25,000 to $749,999, the APR will be Prime minus 0.25%, currently 8.25% APR. For Lines of $750,000 to $1,499,999, the APR will be Prime plus 0.00%, currently 8.50% APR. APRs reflect a 0.25% auto-pay discount from a Brookline Bank checking account. Other rates, terms, conditions and restrictions apply. See a personal banker for details. Offer subject to change without notice. Credit approval required.