Personal Banking Home Equity


Whether you have home improvement projects on the horizon or expenses and bills you need to pay, an equity loan or line of credit allows you to put the equity in your home to work for you.

Home Equity Line of Credit

Get a low rate of 2.99% APR for the first six months, followed by a variable APR thereafter, currently 3.50%.

A home equity line of credit (HELOC) is ideal for homeowners looking for a smart and affordable way to borrow over time.

With a Middlesex Home Equity Line of Credit, there is:

  • No application fee, No closing costs, No points, No account relationship requirements

  • The flexibility to access funds any time for any purpose

  • Loan amounts available from as little as $20,000

  • Your outstanding loan balances count towards your Freedom Gold or Freedom Platinum checking minimum balance requirement.

Home Equity Loan

Borrow $30,000 for less than $200 month.

You've worked on your home, now let it work for you with a Home Equity Loan.

A Middlesex Home Equity Loan provides a fixed rate so you’ll know your payments will be the same each month. Plus, the interest paid on your home equity loan may be tax deductible.

  • No application fee, No annual fee, No points or closing costs.

  • No relationship requirements.

  • Flexible terms.

  • Fixed interest rates.

  • Loans available from as little as $20,000.

And, your loan balances help waive the monthly maintenance charges of a Freedom Gold or Freedom Platinum checking account.


Applying is quick and easy, choose our online application process or call a Home Equity Specialist at 1-877-672-7654.

Product Information: Property insurance required. Owner occupancy required. Tax and insurance premiums, if applicable, are not included and the actual payment obligation will be greater if an escrow account is required or requested. See a tax advisor regarding deductibility of interest on loans. Others terms and conditions apply. Rates subject to change at any time and are quoted assuming an 80% loan-to-value. All loans are subject to credit approval.

Home Equity Loan Information: Example rate is equal to 240 payments of $193.87 per month with an Annual Percentage Rate (APR) of 4.50%.

Home Equity Line Information: Annual Percentage Rate (APR) for the Good Neighbor Equity Line℠ is fixed for the first six months at 2.99%. The rate will revert thereafter for the remainder of loan term to a variable rate of Prime minus 0.50% as published in the Wall Street Journal at the beginning of each monthly billing cycle, subject to a minimum rate of 3.50%. As of 3/16/2020, the Prime Rate was 3.25%. The maximum APR is 18%. $50 annual fee applies. Fee is waived with a Freedom Gold Checking or Freedom Platinum Checking account. Early termination fee of $400 will be charged if the home equity line of credit is closed within the first 24 months.