HELOC Interest Rates vs Home Equity Loan Rates: A Side-by-Side Breakdown
HELOC rates average 8.45% vs 8.36% for home equity loans as of July 2025—a small gap with big structural differences that compound over 10 to 20 years.
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How Borrowers Near Retirement Age Pay a Different Effective Rate on Home Equity Products
Near-retirement borrowers pay 0.25%–0.75% more on home equity loans and HELOCs than younger applicants — even with strong credit and equity. Here's why the gap exists.