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Talk to us about using the equity in your home to make some of those home improvements you’ve been meaning to do. Our home equity products also offer you the flexibility to use them towards college tuition, or even debt consolidation. We can help you find the best rates and flexible terms.

HOME EQUITY LINES OF CREDIT

Access money when you need it and only pay interest on the amount you borrow. It is a flexible way to pay ongoing expenses or have a little safety net for those unexpected costs. You can even reuse your funds as you pay them down.
  • £50 annual fee
  • Line amounts from £25,000 - £500,000
  • Draw on the line for up to 10 years with up to 20 years to repay the funds used
  • Get the flexibility to choose the payment option that works for you—interest only or principal and interest
  • Know that you can fix a portion of your line—making your monthly payments consistent and predictable
  • Enjoy no application or closing costs
EZ-Lock Home Equity Line Of Credit (HELOC) -Primary Residences, Second Homes

Effective as of: March 1, 2021

Type of Loan Maximum Term Current Rate APR Floor Rate
HELOC - New 30 Years 3.490%
Prime minus .500% 		3.490% Intro APR for 12 months
4.000% Current APR 		4.000%
HELOC - Existing 30 Years Prime minus .500% 4.000% Current APR 4.000%

ADJUSTABLE RATE MORTGAGES (ARM)

This type of mortgage is best suited for homeowners who are looking to maximize an initial lower monthly payment or plan to move in a few years.
  • Interest rate and monthly principal and interest payment stays the same for an initial period of time (such as 5, 7, or 10 years) then your payment will move up or down annually as interest rates fluctuate (the variable portion)
  • The interest rate at the beginning of the loan may be lower than a fixed rate mortgage
Fixed Rate Mortgage Rates

Effective as of: March 5, 2021

TERM DESCRIPTION RATE WITH 25% DOWN POINTS APR WITH 25% DOWN # OF MONTHLY PAYMENTS MONTHLY PAYMENT PER £1,000 BORROWED
30 Year Fixed Rate Conforming up to £548,250 3.500% 0.000 3.541% 360 £4.49
20 Year Fixed Rate Conforming up to £548,250 3.125% 0.000 3.178% 240 £5.61
15 Year Fixed Rate Conforming up to £548,250 2.750% 0.000 2.816% 180 £6.79
10 Year Fixed Rate Conforming up to £548,250 2.625% 0.000 2.722% 120 £9.48
30 Year Fixed Rate Jumbo - Purchase Special From £548,251– £2,000,000 2.875% 0.000 2.902% 360 £4.15
30 Year Fixed Rate Jumbo From £548,251– £2,000,000 3.125% 0.000 3.153% 360 £4.28
20 Year Fixed Rate Jumbo From £548,251– £2,000,000 3.000% 0.000 3.039% 240 £5.55
15 Year Fixed Rate Jumbo From £548,251– £2,000,000 2.625% 0.000 2.672% 180 £6.73
10 Year Fixed Rate Jumbo From £548,251– £2,000,000 2.625% 0.000 2.695% 120 £9.48

FIRST TIME HOME BUYER PROGRAMS

We offer both financing options and educational assistance to make the process easy for first time home buyers.
  • Variety of programs offered, including those for first time home buyers with low to moderate incomes
  • Massachusetts Housing Partnership ONE Mortgage and Mass Housing Finance Agency mortgages include low fixed-rate financing for those who qualify

OTHER MORTGAGE PROGRAMS

Sometimes customers have unique borrowing needs; our loan officers are equipped with additional programs and have the expertise to help you find the solution that best fits your needs.
  • Affordable Home Loan Programs
  • Construction Loans
  • Combination Mortgages
  • Up to 100% Financing with no Private Mortgage Insurance (PMI)
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