HELOC limit and payment
Federally regulated lenders can lend up to 80% of your home's value in total, but the revolving line-of-credit part can be no more than 65%.
Assumptions
- HELOC limit = lesser of 65% of value or 80% of value minus mortgage (OSFI Guideline B-20).
- Applies to federally regulated lenders; credit unions may differ. Lenders also check income and credit.
General information, not financial advice. This calculator gives rough estimates from simplified assumptions. It does not know your full situation. Check with a qualified professional and the official sources before making decisions.
Sources
- OSFI: Guideline B-20, residential mortgage underwriting (65% HELOC / 80% LTV)
- OSFI: Treatment of combined mortgage/HELOC products under B-20
Figures checked October 16, 2026. Rules and limits change; confirm with the source before acting.