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Your affordable Home Equity Loan starts here!

Rates start at
6.63% APR
Apply Now!
and get a
$300 credit
at closing
Fixed rate for 5-year term***
5.490% RATE/ 7.263% APR**
Fixed rate for 15-year term***
6.490% RATE/ 7.170% APR**
Fixed rate for 10-year term***
5.690% RATE/ 6.632% APR**
Fixed rate for 20-year term***
6.990% RATE/ 7.545% APR**


What is a home equity loan?

A type of loan that lets you borrow money against the equity in your home. You borrow a lump sum and repay the loan with a fixed rate of interest over a specified period of time.

What can you use it for?

Anything. However, most financial experts suggest using it for home improvement projects that can increase your property’s value and help you build wealth.

Why is it a smart way to borrow?

Interest rates are generally lower than rates for credit cards or other kinds of personal loans, so it can be a more affordable option. In addition, fixed rates provide predictable payments, making budgeting easier. And if you use it for home improvements, the interest may be tax-deductible.

Who can qualify?

Qualification is based on the amount of equity you have in your home, your credit score, your debt-to-income ratio, and other factors. Contact us anytime if you’d like to learn more.

Why should you apply now?

You can lock in your fixed rate before rates rise again – and receive a $300 credit at closing.

How can you apply?

It’s a fast and easy process; you don’t even need to come into the bank. Just click the link below to apply online and upload the requested documents. Or, if you prefer to apply in person with one of our expert community bankers, come into any financial center and we’ll walk you through the process. Once you’re approved, we’ll underwrite your loan within a few business days, and you can put your money right to work.

  • Low, fixed rate stays fixed for the entire loan term
  • Loan amounts available starting at $10,000.
  • Interest may be tax deductible†, consult your tax advisor

For Home Equity Loans, the interest rate is fixed for the term of the loan. The standard closing cost credit is $300.00. The Standard Closing Cost Credit requires an active deposit account with Ledyard National Bank. Offer valid only for new Ledyard home equity loan or line of credit clients.

**Annual Percentage Rate (APR). Limited time offer subject to change or discontinuation. Offer valid only for new Ledyard home equity loan or line of credit clients.

***Minimum home equity loan available is $10,000. No pre-payment penalty. Second mortgage liens only, first mortgage liens not permitted. 20-year loan term with 6.990% rate: payment per thousand is $7.75. 15-year loan term with 6.490% rate: payment per thousand is $8.71. 10-year loan term with 5.690% rate: payment per thousand is $10.94. 5-year loan term with 5.490% rate: payment per thousand is $19.10. Payment amounts do not include taxes or insurance; actual obligation will be higher. Property insurance is required. Loans subject to credit and property approval. Additional terms and conditions may apply. Limited time offer subject to change or discontinuation.

†The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Consult your tax advisor.

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