Home Equity Credit

• Low, variable rates*
• 20-year draw period followed by a 20-year repayment period
• No application fees, points, or closing costs
• Interest may be tax deductible (please consult your tax advisor)

Rates Effective January 1, 2026

Disclosures for Home Equity Lines of Credit

*Rates shown above are based on a $200,000 line amount. At 4.50% APR¹ , the interest-only payment would be $764.38 for the first 6 months. At 6.50% APR² , the interest-only payment would be $1,104.11 after the expiration of the initial introductory discount. Rates are subject to change without notice.

**Annual Percentage Rate = APR

Disclosures for Home Equity Lines of Credit

1. HELOC Terms: HELOC has a term of 40 years; 20-year draw period with interest-only monthly payments followed by a 20-year monthly principal and interest repayment period. The Annual Percentage Rate (APR) is a variable rate based on a margin applied to the Index. The Index is the Prime Rate as found in the Money Rate section of The Wall Street Journal and is floating during the life of the loan. The minimum APR will never go below 3.00% and will never exceed 18.00%. Prime rate (Index) is 6.75% as of 1/1/2026.

Minimum Line of Credit is $25,000 and minimum advance is $250.

2. Initial Introductory Discount APR

An initial discount of 2.00% is applied to the Variable APR determined at closing. The fixed introductory discount is in effect for 6-months beginning on the Agreement Date. The stated Initial Introductory Discount APR is based on a line amount of $200,000. Not all applications will qualify for the introductory rate.

3. Variable APR

The APR after the introductory rate is variable and is determined at closing. The Margin is applied to the index based on factors that can change throughout your application process such as loan amount. The stated Variable APR is based on a line amount of $200,000. All APRs reflect 0.25% automatic payment discount from a Brookline Bank checking account. 

HELOC Account Fees: An annual fee of $50, which is waived for the first year; stop payment fee of $35. The Annual Fee is waived for PremierAccess Checking account holders.

Closing Costs: The Bank pays standard fees. Estimated sum of all charges incurred may range from $30 to $3,000.

Recapture Fee: If the account is paid off and closed within 36 months of the Agreement Date, the Bank will recapture the bona fide third-party charges paid by the lender in connection with the transaction. This is not a prepayment penalty. NEW YORK STATE PROPERTIES: Recapture Fee includes lender paid closing costs up to $1,000 together with the borrower’s percentage of mortgage tax paid by the Bank on their behalf. PROPERTIES IN OTHER STATES: Recapture Fee includes bank paid closing costs up to $1,000.

Homeowners insurance is required. Flood insurance may be required. Consult your tax advisor regarding the deductibility of interest and potential tax savings. Credit approval is required. Offer is subject to change without notice. All terms and conditions describe owner-occupied properties. Other terms, conditions and restrictions may apply. For more information, please contact a bank representative or see the Important Terms disclosure.

Rev: 01/26

• 5-year and 10-year terms, fully amortizing*
• No application fees or points
• Interest may be tax deductible (please consult your tax advisor)

Rates Effective January 1, 2026

Disclosures for Home Equity Loans

*Rates shown are for 1-4 family, owner occupied residences located in our lending market. 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. Other terms, conditions, rates and restrictions may apply. Offers subject to change without notice. Speak with a personal banker for details. If your loan is a first lien loan, the payment examples do not include taxes or insurance and therefore your payments may be greater.  APRs reflect 0.25% auto-pay discount from a Brookline Bank Checking Account. Contact a Brookline Bank representative for more information.