www3.mtb.com
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https://www3.mtb.com/homeequityrate
Submission: On March 03 via manual from US — Scanned from DE
Submission: On March 03 via manual from US — Scanned from DE
Form analysis 2 forms found in the DOM
GET #heloc
<form action="#heloc" method="get" class="form-container component">
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<input type="hidden" id="componentType" name="componentType" value="axp-common/components/form/form-container/v1/form-container">
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<input type="hidden" id="pagePath" name="pagePath" value="/content/mtb-web/en/personal/mortgages-and-loans/home-equity-line-of-credit/heloc-payment-calculator">
<div class="form-parsys">
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<option selected="" value="">-- Please select -- </option>
<option value="0">Fair: < 680</option>
<option value="680">Good: 680-699</option>
<option value="700">Excellent: 700 - 749</option>
<option value="750">Outstanding: 750+</option>
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<div class="text-field base-input-field -flex-1 aem-GridColumn aem-GridColumn--default--12">
<div class="text-field-container form-component component -full-height">
<label for="HomeValue" class="form-title"> Estimated home value* </label>
<input class="text-field-input" type="text" name="HomeValue" id="HomeValue" maxlength="20" title="Numbers Only" required="">
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<div class="left-parsys">
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<div class="form-embedded-components">
<div class="text-field base-input-field -flex-1 aem-GridColumn aem-GridColumn--default--12">
<div class="text-field-container form-component component -full-height">
<label for="HomeDebt" class="form-title"> Amount owed on home* </label>
<input class="text-field-input" type="text" name="HomeDebt" id="HomeDebt" maxlength="20" title="Numbers Only" required="">
</div>
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<div class="right-parsys">
<div class="form-parsys aem-Grid aem-Grid--12 aem-Grid--default--12 ">
<div class="form-embedded-components">
</div>
</div>
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<div class="form-row section">
<div class="form-row-wrapper component">
<div class="left-parsys">
<div class="form-parsys aem-Grid aem-Grid--12 aem-Grid--default--12 ">
<div class="form-embedded-components">
<div class="text-field base-input-field -flex-1 aem-GridColumn aem-GridColumn--default--12">
<div class="text-field-container form-component component -full-height">
<label for="LoanAmount" class="form-title"> How much do you want to borrow?*† <span class="subtitle">Enter an amount between $15,000 and $1,000,000</span>
</label>
<input class="text-field-input" type="text" name="LoanAmount" id="LoanAmount" maxlength="10" title="Numbers Only">
</div>
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<div class="right-parsys">
<div class="form-parsys aem-Grid aem-Grid--12 aem-Grid--default--12 ">
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<div class="form-row section">
<div class="form-row-wrapper component">
<div class="left-parsys">
<div class="form-parsys aem-Grid aem-Grid--12 aem-Grid--default--12 ">
<div class="form-embedded-components">
<div class="dropdown-field base-input-field -flex-1 aem-GridColumn aem-GridColumn--default--12">
<div class="dropdown-field-container form-component component -full-height">
<label for="HomeType" class="form-title"> Type of home* </label>
<select class="form-dropdown-input HomeType" name="HomeType" id="HomeType" required="">
<option selected="" value="">-- Please select -- </option>
<option value="1">Primary Residence</option>
<option value="2">Secondary/Vacation Home</option>
</select>
</div>
</div>
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<div class="right-parsys">
<div class="form-parsys aem-Grid aem-Grid--12 aem-Grid--default--12 ">
<div class="form-embedded-components">
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<div class="form-row-wrapper component">
<div class="left-parsys">
<div class="form-parsys aem-Grid aem-Grid--12 aem-Grid--default--12 ">
<div class="form-embedded-components">
<div class="dropdown-field base-input-field -flex-1 aem-GridColumn aem-GridColumn--default--12">
<div class="dropdown-field-container form-component component -full-height">
<label for="HomeLocation" class="form-title"> Where is the home located?* </label>
<select class="form-dropdown-input HomeLocation" name="HomeLocation" id="HomeLocation" required="">
<option selected="" value="">-- Please select -- </option>
<option value="CT">Connecticut</option>
<option value="DC">District of Columbia</option>
<option value="DE">Delaware</option>
<option value="ME">Maine</option>
<option value="MD">Maryland</option>
<option value="MA">Massachusetts</option>
<option value="NH">New Hampshire</option>
<option value="NJ">New Jersey</option>
<option value="NY">New York (Outside NYC)</option>
<option value="NYC">New York City</option>
<option value="PA">Pennsylvania</option>
<option value="VT">Vermont</option>
<option value="VA">Virginia</option>
<option value="WV">West Virginia</option>
</select>
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<div class="form-parsys aem-Grid aem-Grid--12 aem-Grid--default--12 ">
<div class="form-embedded-components">
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<div class="form-embedded-components">
<div class="checkbox-field base-input-field -flex-1 aem-GridColumn aem-GridColumn--default--12">
<div class="checkbox-field-container form-component component -full-height">
<div class="form-title"> M&T Relationship Rate Discounts** </div>
<div class="checkbox-item">
<input class="form-checkbox" type="checkbox" id="Plus" value="Plus" name="Relationship">
<label class="checkbox-label" for="Plus">I have an M&T MyChoice Plus or Select checking account. (0.25% off your rate) </label>
</div>
<div class="checkbox-item">
<input class="form-checkbox" type="checkbox" id="Premium" value="Premium" name="Relationship">
<label class="checkbox-label" for="Premium">I have an M&T MyChoice Premium or Power checking account. (0.40% off your rate) </label>
</div>
</div>
</div>
</div>
</div>
</div>
<div class="right-parsys">
<div class="form-parsys aem-Grid aem-Grid--12 aem-Grid--default--12 ">
<div class="form-embedded-components">
</div>
</div>
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</div>
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</div>
<input class="form-button btn--primary-theme" type="submit" value="Calculate">
<span class="_visuallyhidden _hidden form-alert" aria-live="assertive"></span>
<div class="modal-background"></div>
<div class="submit-modal ">
<div>
</div>
</div>
</form>Name: search-results-form — GET
<form name="search-results-form" method="get" class="search-results-form">
<label for="searchInput" class="search-results-placeholder">Search</label>
<input id="searchInput" class="search-results-input animateInput" type="text" placeholder="Search">
<input id="numberOf" class="numberOf" type="hidden">
<button class="search-results-icon-close-container" aria-label="Clear search">
<svg class="search-results-icon-close">
<use xlink:href="#icon-close"></use>
</svg>
</button>
<button type="submit" class="search-results-icon-magnifying-glass" aria-label="Submit search">
<svg class="search-results-icon-magnifying-glass-image" aria-hidden="true">
<use xlink:href="#icon-magnifying-glass"></use>
</svg>
</button>
</form>Text Content
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Help Center
M&T CHOICEquity
HELOC RATE AND PAYMENT CALCULATOR
About CHOICEquity
Apply Now
How would you describe your credit score?* -- Please select -- Fair: < 680 Good:
680-699 Excellent: 700 - 749 Outstanding: 750+
Estimated home value*
Amount owed on home*
How much do you want to borrow?*† Enter an amount between $15,000 and $1,000,000
Type of home* -- Please select -- Primary Residence Secondary/Vacation Home
Where is the home located?* -- Please select -- Connecticut District of Columbia
Delaware Maine Maryland Massachusetts New Hampshire New Jersey New York (Outside
NYC) New York City Pennsylvania Vermont Virginia West Virginia
M&T Relationship Rate Discounts**
I have an M&T MyChoice Plus or Select checking account. (0.25% off your rate)
I have an M&T MyChoice Premium or Power checking account. (0.40% off your rate)
DISCLOSURES:
* M&T CHOICEquity is only available in Connecticut, Delaware, Maine, Maryland,
Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont,
Virginia, Washington, DC, and West Virginia. All loans and lines of credit
are subject to credit approval. Additional terms and conditions may apply,
depending on the type of collateral and other terms offered or chosen.
Unless otherwise specified, all advertised offers and terms and conditions of
accounts and services are subject to change at any time without notice. After
an account is opened or service begins, it is subject to its features,
conditions and terms, which are subject to change at any time in accordance
with applicable laws and agreements. Please contact an M&T representative for
details.
* † Applications above $1,000,000 are considered on an exception basis and are
subject to more stringent credit criteria.
* **Discounts between 0.25% - 0.40% off the interest rate are available only if
you have an existing Power Checking, Select Checking, MyChoice Plus Checking
or MyChoice Premium Checking account, or if you open a MyChoice Plus Checking
or MyChoice Premium Checking account at the time of application.
1. Lines $15,000 to $500,000 subject to 85.99% maximum combined loan-to-value.
Lines greater than $500,000, up to $1,000,000, subject to 75.99% maximum
combined loan-to-value. Lines secured by second homes/vacation property
subject to 70.99% maximum combined loan-to-value.
2. The M&T CHOICEquity variable Annual Percentage Rate (APR) may vary monthly
based on changes in the Prime Rate as published by The Wall Street
Journal in its “Money Rates” table. Prime rate as of [[PrimeAsOf]] =
[[PrimeRate]]. Your non-discounted variable APR will be between Prime
[[PlusLowMargin]] (currently [[LowAPR]] APR) and Prime [[PlusHighMargin]]
(currently [[HighAPR]] APR) for variable rate lines of credit between
$15,000 and $1,000,000, with a maximum loan to value of 85.99%. Final APR is
based on borrower credit profile (as reported to M&T by an outside reporting
agency), loan to value(LTV), lien position, deposit relationship, line
amount, and collateral state. APR will never be below the Minimum APR of
[[MinAPR]] or above the Maximum APR of [[MaxAPR]].
Accounts closed within 36 full calendar months of your opening date are
subject to reimbursement of 3rd party fees paid in connection with
establishing your account. These fees will range for line sizes up to
$1,000,000 as follows by state: [[EarlyClosingFeeList]]. These fees do not
apply to PA properties. Property insurance and flood insurance, if
applicable, are required. Other terms and conditions may apply. Rates are
subject to change. M&T CHOICEquity accounts cannot be used to pay off
existing M&T CHOICEquity or Home Equity accounts.
DISCOVER YOUR HOME'S POTENTIAL.
Your home may be your most valuable asset. Our HELOC rate and payment calculator
makes it easy to estimate monthly payments based on loan amount, LTV1Disclosure
number, please reference additional details in the Disclosures section at the
bottom of this page. and credit score.2Disclosure number, please reference
additional details in the Disclosures section at the bottom of this page.
Lines $15,000 to $500,000 subject to 85.99% maximum combined loan-to-value.
Lines greater than $500,000, up to $1,000,000, subject to 75.99% maximum
combined loan-to-value. Lines secured by second homes/vacation property subject
to 70.99% maximum combined loan-to-value.
The M&T CHOICEquity variable Annual Percentage Rate (APR) may vary monthly based
on changes in the Prime Rate as published by The Wall Street Journal in its
“Money Rates” table. Prime rate as of 2/2/23 = 7.75%. Your non-discounted
variable APR will be between Prime + 0.09% (currently 7.84% APR) and Prime +
7.64% (currently 15.39% APR) for variable rate lines of credit between $15,000
and $1,000,000, with a maximum loan to value of 85.99%. Final APR is based on
borrower credit profile (as reported to M&T by an outside reporting agency),
loan to value(LTV), lien position, deposit relationship, line amount, and
collateral state. APR will never be below the Minimum APR of 2.99% or above
the Maximum APR of 15.90%.
Accounts closed within 36 full calendar months of your opening date are subject
to reimbursement of 3rd party fees paid in connection with establishing your
account. These fees will range for line sizes up to $1,000,000 as follows by
state: CT: up to $4,448; DE: up to $3,936; ME: up to $2,957; MD: up to $18,164;
MA: up to $3,961; NH: up to $3,097; NJ: up to $4,744; NY: up to $23,912; VT: up
to $3,721; VA: up to $7,280; DC: up to $4,870; WV: up to $3,281. These fees do
not apply to PA properties. Property insurance and flood insurance, if
applicable, are required. Other terms and conditions may apply. Rates are
subject to change. M&T CHOICEquity accounts cannot be used to pay off existing
M&T CHOICEquity or Home Equity accounts.
YOUR RESULTS FOR A LINE OF CREDIT:
Monthly Payment2Disclosure number, please reference additional details in the
Disclosures section at the bottom of this page.
Interest-only payments during ten-year draw period, or per month if you choose
Principal and Interest payments.2Disclosure number, please reference additional
details in the Disclosures section at the bottom of this page.
Starting Variable Interest Rate2Disclosure number, please reference additional
details in the Disclosures section at the bottom of this page.
The M&T CHOICEquity variable Annual Percentage Rate (APR) may vary monthly based
on changes in the Prime Rate as published by The Wall Street Journal in its
“Money Rates” table. Prime rate as of 2/2/23 = 7.75%. Your non-discounted
variable APR will be between Prime + 0.09% (currently 7.84% APR) and Prime +
7.64% (currently 15.39% APR) for variable rate lines of credit between $15,000
and $1,000,000, with a maximum loan to value of 85.99%. Final APR is based on
borrower credit profile (as reported to M&T by an outside reporting agency),
loan to value(LTV), lien position, deposit relationship, line amount, and
collateral state. APR will never be below the Minimum APR of 2.99% or above
the Maximum APR of 15.90%.
Accounts closed within 36 full calendar months of your opening date are subject
to reimbursement of 3rd party fees paid in connection with establishing your
account. These fees will range for line sizes up to $1,000,000 as follows by
state: CT: up to $4,448; DE: up to $3,936; ME: up to $2,957; MD: up to $18,164;
MA: up to $3,961; NH: up to $3,097; NJ: up to $4,744; NY: up to $23,912; VT: up
to $3,721; VA: up to $7,280; DC: up to $4,870; WV: up to $3,281. These fees do
not apply to PA properties. Property insurance and flood insurance, if
applicable, are required. Other terms and conditions may apply. Rates are
subject to change. M&T CHOICEquity accounts cannot be used to pay off existing
M&T CHOICEquity or Home Equity accounts.
The M&T CHOICEquity variable Annual Percentage Rate (APR) may vary monthly based
on changes in the Prime Rate as published by The Wall Street Journal in its
“Money Rates” table. Prime rate as of 2/2/23 = 7.75%. Your non-discounted
variable APR will be between Prime + 0.09% (currently 7.84% APR) and Prime +
7.64% (currently 15.39% APR) for variable rate lines of credit between $15,000
and $1,000,000, with a maximum loan to value of 85.99%. Final APR is based on
borrower credit profile (as reported to M&T by an outside reporting agency),
loan to value(LTV), lien position, deposit relationship, line amount, and
collateral state. APR will never be below the Minimum APR of 2.99% or above
the Maximum APR of 15.90%.
Accounts closed within 36 full calendar months of your opening date are subject
to reimbursement of 3rd party fees paid in connection with establishing your
account. These fees will range for line sizes up to $1,000,000 as follows by
state: CT: up to $4,448; DE: up to $3,936; ME: up to $2,957; MD: up to $18,164;
MA: up to $3,961; NH: up to $3,097; NJ: up to $4,744; NY: up to $23,912; VT: up
to $3,721; VA: up to $7,280; DC: up to $4,870; WV: up to $3,281. These fees do
not apply to PA properties. Property insurance and flood insurance, if
applicable, are required. Other terms and conditions may apply. Rates are
subject to change. M&T CHOICEquity accounts cannot be used to pay off existing
M&T CHOICEquity or Home Equity accounts.
The M&T CHOICEquity variable Annual Percentage Rate (APR) may vary monthly based
on changes in the Prime Rate as published by The Wall Street Journal in its
“Money Rates” table. Prime rate as of 2/2/23 = 7.75%. Your non-discounted
variable APR will be between Prime + 0.09% (currently 7.84% APR) and Prime +
7.64% (currently 15.39% APR) for variable rate lines of credit between $15,000
and $1,000,000, with a maximum loan to value of 85.99%. Final APR is based on
borrower credit profile (as reported to M&T by an outside reporting agency),
loan to value(LTV), lien position, deposit relationship, line amount, and
collateral state. APR will never be below the Minimum APR of 2.99% or above
the Maximum APR of 15.90%.
Accounts closed within 36 full calendar months of your opening date are subject
to reimbursement of 3rd party fees paid in connection with establishing your
account. These fees will range for line sizes up to $1,000,000 as follows by
state: CT: up to $4,448; DE: up to $3,936; ME: up to $2,957; MD: up to $18,164;
MA: up to $3,961; NH: up to $3,097; NJ: up to $4,744; NY: up to $23,912; VT: up
to $3,721; VA: up to $7,280; DC: up to $4,870; WV: up to $3,281. These fees do
not apply to PA properties. Property insurance and flood insurance, if
applicable, are required. Other terms and conditions may apply. Rates are
subject to change. M&T CHOICEquity accounts cannot be used to pay off existing
M&T CHOICEquity or Home Equity accounts.
Quoted payment and interest rate are based on information provided including,
but not limited to, requested loan amount, LTV1Disclosure number, please
reference additional details in the Disclosures section at the bottom of this
page. and credit score. Actual rate may vary. Payment amounts assume the line
is fully drawn. Rates are subject to change, payment example is for illustrative
purposes only.
Lines $15,000 to $500,000 subject to 85.99% maximum combined loan-to-value.
Lines greater than $500,000, up to $1,000,000, subject to 75.99% maximum
combined loan-to-value. Lines secured by second homes/vacation property subject
to 70.99% maximum combined loan-to-value.
Apply Now
We were unable to find a solution that matched the information provided. Please
contact the Call Center at 1-800-724-2440 or visit your local branch for
additional information and to apply.
The requested loan amount is too high based on the value of your home. Please
check your inputs and try again, or contact the Call Center at 1-800-724-2440 or
visit your local branch for additional information and to apply.
*Required fields are denoted by asterisks
HELOC Rate Handler
Rate Info PrimeRate 7.75% PrimeAsOf 2/2/23 IntroMargin -1.51% LowMargin +0.09%
HighMargin +7.64% MinAPR 2.99% MaxAPR 15.90% ExampleAmount $25,000
ExamplePayment $226 ExampleAPR 9.09%
Early Closing Fees CT 4,448 DE 3,936 ME 2,957 MD 18,164 MA 3,961 NH 3,097 NJ
$4,744 NY $23,912 VT 3,721 VA 7,280 DC 4,870 WV 3,281
The M&T CHOICEquity Introductory variable Annual Percentage Rate (APR) of Prime
[[PlusIntroMargin]] (currently [[IntroAPR]]) will apply only during the first
six (6) billing cycles (“Introductory Period”) after your M&T CHOICEquity
Account is opened. Thereafter, the APR, including the APR on any existing
balance, will convert to the applicable non-discounted variable APR for the life
of the line. Your Introductory and non-discounted variable APRs may vary monthly
based on changes in the Prime Rate as published by The Wall Street Journal in
its “Money Rates” table. Prime rate as of [[PrimeAsOf]] = [[PrimeRate]]. Your
non-discounted variable APR will be between Prime [[PlusLowMargin]] (currently
[[LowAPR]] APR) and Prime [[PlusHighMargin]] (currently [[HighAPR]] APR) for
variable rate lines of credit between $15,000 and $1,000,000, with a maximum
loan to value of 85.99%. Final APR is based on borrower credit profile (as
reported to M&T by an outside reporting agency), loan to value(LTV), lien
position, deposit relationship, line amount, and collateral state. APR will
never be below the Minimum APR of [[MinAPR]] (after the expiration of the
Introductory Period) or above the Maximum APR of [[MaxAPR]].
Accounts closed within 36 full calendar months of your opening date are subject
to reimbursement of 3rd party fees paid in connection with establishing your
account. These fees will range for line sizes up to $1,000,000 as follows by
state: [[EarlyClosingFeeList]]. These fees do not apply to PA properties.
Property insurance and flood insurance, if applicable, are required. Other
terms and conditions may apply. Rates are subject to change. M&T CHOICEquity
accounts cannot be used to pay off existing M&T CHOICEquity or Home Equity
accounts.
Disclosure number, please reference additional details in the Disclosures
section at the bottom of this page.Disclosure number, please reference
additional details in the Disclosures section at the bottom of this
page.Disclosure number, please reference additional details in the Disclosures
section at the bottom of this page.
M&T CHOICEquity is only available in Connecticut, Delaware, Maine, Maryland,
Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont,
Virginia, Washington, DC, and West Virginia. All loans and lines of credit are
subject to credit approval. Additional terms and conditions may apply, depending
on the type of collateral and other terms offered or chosen.
Unless otherwise specified, all advertised offers and terms and conditions of
accounts and services are subject to change at any time without notice. After an
account is opened or service begins, it is subject to its features, conditions
and terms, which are subject to change at any time in accordance with applicable
laws and agreements. Please contact an M&T representative for details.
† Applications above $1,000,000 are considered on an exception basis and are
subject to more stringent credit criteria.
**Discounts between 0.25% - 0.40% off the interest rate are available only if
you have an existing Power Checking, Select Checking, MyChoice Plus Checking or
MyChoice Premium Checking account, or if you open a MyChoice Plus Checking or
MyChoice Premium Checking account at the time of application.
DISCLOSURES:
* M&T CHOICEquity is only available in Connecticut, Delaware, Maine, Maryland,
Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont,
Virginia, Washington, DC, and West Virginia. All loans and lines of credit
are subject to credit approval. Additional terms and conditions may apply,
depending on the type of collateral and other terms offered or chosen.
Unless otherwise specified, all advertised offers and terms and conditions of
accounts and services are subject to change at any time without notice. After
an account is opened or service begins, it is subject to its features,
conditions and terms, which are subject to change at any time in accordance
with applicable laws and agreements. Please contact an M&T representative for
details.
* † Applications above $1,000,000 are considered on an exception basis and are
subject to more stringent credit criteria.
* **Discounts between 0.25% - 0.40% off the interest rate are available only if
you have an existing Power Checking, Select Checking, MyChoice Plus Checking
or MyChoice Premium Checking account, or if you open a MyChoice Plus Checking
or MyChoice Premium Checking account at the time of application.
1. Lines $15,000 to $500,000 subject to 85.99% maximum combined loan-to-value.
Lines greater than $500,000, up to $1,000,000, subject to 75.99% maximum
combined loan-to-value. Lines secured by second homes/vacation property
subject to 70.99% maximum combined loan-to-value.
2. The M&T CHOICEquity variable Annual Percentage Rate (APR) may vary monthly
based on changes in the Prime Rate as published by The Wall Street
Journal in its “Money Rates” table. Prime rate as of [[PrimeAsOf]] =
[[PrimeRate]]. Your non-discounted variable APR will be between Prime
[[PlusLowMargin]] (currently [[LowAPR]] APR) and Prime [[PlusHighMargin]]
(currently [[HighAPR]] APR) for variable rate lines of credit between
$15,000 and $1,000,000, with a maximum loan to value of 85.99%. Final APR is
based on borrower credit profile (as reported to M&T by an outside reporting
agency), loan to value(LTV), lien position, deposit relationship, line
amount, and collateral state. APR will never be below the Minimum APR of
[[MinAPR]] or above the Maximum APR of [[MaxAPR]].
Accounts closed within 36 full calendar months of your opening date are
subject to reimbursement of 3rd party fees paid in connection with
establishing your account. These fees will range for line sizes up to
$1,000,000 as follows by state: [[EarlyClosingFeeList]]. These fees do not
apply to PA properties. Property insurance and flood insurance, if
applicable, are required. Other terms and conditions may apply. Rates are
subject to change. M&T CHOICEquity accounts cannot be used to pay off
existing M&T CHOICEquity or Home Equity accounts.
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DISCLOSURES:
* M&T CHOICEquity is only available in Connecticut, Delaware, Maine, Maryland,
Massachusetts, New Hampshire, New Jersey, New York, Pennsylvania, Vermont,
Virginia, Washington, DC, and West Virginia. All loans and lines of credit
are subject to credit approval. Additional terms and conditions may apply,
depending on the type of collateral and other terms offered or chosen.
Unless otherwise specified, all advertised offers and terms and conditions of
accounts and services are subject to change at any time without notice. After
an account is opened or service begins, it is subject to its features,
conditions and terms, which are subject to change at any time in accordance
with applicable laws and agreements. Please contact an M&T representative for
details.
* † Applications above $1,000,000 are considered on an exception basis and are
subject to more stringent credit criteria.
* **Discounts between 0.25% - 0.40% off the interest rate are available only if
you have an existing Power Checking, Select Checking, MyChoice Plus Checking
or MyChoice Premium Checking account, or if you open a MyChoice Plus Checking
or MyChoice Premium Checking account at the time of application.
1. Lines $15,000 to $500,000 subject to 85.99% maximum combined loan-to-value.
Lines greater than $500,000, up to $1,000,000, subject to 75.99% maximum
combined loan-to-value. Lines secured by second homes/vacation property
subject to 70.99% maximum combined loan-to-value.
2. The M&T CHOICEquity variable Annual Percentage Rate (APR) may vary monthly
based on changes in the Prime Rate as published by The Wall Street
Journal in its “Money Rates” table. Prime rate as of [[PrimeAsOf]] =
[[PrimeRate]]. Your non-discounted variable APR will be between Prime
[[PlusLowMargin]] (currently [[LowAPR]] APR) and Prime [[PlusHighMargin]]
(currently [[HighAPR]] APR) for variable rate lines of credit between
$15,000 and $1,000,000, with a maximum loan to value of 85.99%. Final APR is
based on borrower credit profile (as reported to M&T by an outside reporting
agency), loan to value(LTV), lien position, deposit relationship, line
amount, and collateral state. APR will never be below the Minimum APR of
[[MinAPR]] or above the Maximum APR of [[MaxAPR]].
Accounts closed within 36 full calendar months of your opening date are
subject to reimbursement of 3rd party fees paid in connection with
establishing your account. These fees will range for line sizes up to
$1,000,000 as follows by state: [[EarlyClosingFeeList]]. These fees do not
apply to PA properties. Property insurance and flood insurance, if
applicable, are required. Other terms and conditions may apply. Rates are
subject to change. M&T CHOICEquity accounts cannot be used to pay off
existing M&T CHOICEquity or Home Equity accounts.
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not necessarily control the content of, or endorse, the Third-Party Website,
its owner/operator or any information, products or services that are made
available on or through it
* M&T makes no representations or warranties regarding the information,
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Such Third-Party Website's owner/operator may be regulated by governmental
entities and laws that are different than those that regulate M&T.
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