As of October 15, 2025, the average home equity loan rate is 8.13%, according to Bankrate’s regular survey of rates. The average range is between 5.49% and 10.75%. Home equity loan interest rates also vary according to term length: These rates are lower compared to the week before, dipping to their lowest point in two years.

As home equity loan rates sit near a two-year low, many homeowners may be wondering about the merits of acting now.

Tapping into your home equity offers a way to borrow money at lower rates than unsecured loans. Here's how two key options compare on costs,

Third Federal promises to beat a competitor's offered rate on a purchase mortgage or home equity line of credit or it will pay you $1,000. You must provide documentation of the lower rate; however, a decision regarding the rate challenge is typically made on the same day it's submitted.

Home equity rates have dipped to their lowest levels since 2023, and that could open the door for more borrowers.

Splitero reports leveraging home equity can build wealth through debt reduction, investments, or funding renovations, aiding financial goals.

Is a home equity loan right for you? You’ve been faithfully paying your mortgage for decades, watching your home’s value climb while your loan balance shrinks. Now that you’re approaching or already in retirement, you’re sitting on a goldmine of ...

Beeline Loans has completed its first blockchain-recorded home equity transactions, offering a debt-free alternative to traditional loans.