Home Equity Loans

This loan is an excellent way to take advantage of the equity you have earned in your home for improvements, education for your children, automobile purchases, or any other need. No points, a low fixed rate, and loans of $10,000 or more make this one of our most popular loan products. The maximum loan available is based on the equity in your home (up to 80% of the value, minus the balance of your mortgage) and your ability to repay. You do not need to have a mortgage with UniBank to get a Home Equity Loan. And you have a number of repayment terms to choose from. A UniBank Home Equity Loan may offer you tax benefits. Consult a tax advisor regarding deductibility of interest and charges.

UniBank Equity Credit Loan Application (PDF)

Home Equity Lines

This is a flexible revolving line of credit based on the equity of your home (up to 80% of the value, minus the balance of your mortgage). The minimum credit line is $10,000 and the minimum loan advance is $500. The Annual Percentage Rate of your Home Equity Line is based on the Prime Rate– a rate usually lower than personal or installment loans for cars, furniture or other large purchases. Your APR can change monthly and will never be higher than 18%. You do not need to have your mortgage at UniBank to be eligible for a Home Equity Line. There may be tax benefits, too. Consult a tax advisor regarding deductibility of interest and charges.

UniBank Equity Credit Line Application & Information (PDF's)

Home Improvement Loans

A new family room, remodeled kitchen, a new bathroom or in-law apartment are all very good reasons to apply for a Home Improvement Loan. Borrow up to $10,000 at a fixed rate and repay over time. With quick turnaround, nothing could be easier. Plus, you can save an additional 1/2% by having your monthly payment deducted from your UniBank Checking or Statement Savings Account.