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As of December 15, 2025, HELOC (Home Equity Line of Credit) rates have dipped noticeably, offering a timely opportunity for homeowners seeking extra cash during the holiday season. Most lenders are posting introductory rates in the 6.50% to 6.95% APR range for borrowers with strong credit, down from an average of around 7.25% just a few months ago.
This decline is largely tied to recent softening in Treasury yields and increased competition among banks looking to attract year-end borrowing. The Federal Reserve’s pause on further rate hikes and signs of cooling inflation have also contributed to more favorable lending conditions.
For creditworthy borrowers, this dip in HELOC rates presents a strategic way to finance large purchases or consolidate higher-interest debt during the holidays—without tapping into high-interest credit cards. However, borrowers should be aware that most HELOCs come with variable rates, which could rise once the promotional period ends or if the Fed shifts policy in 2026.
Bottom Line: HELOC rates have declined just in time for holiday spending, making it an opportune moment for homeowners to access flexible, lower-cost financing. Still, it’s crucial to review the terms carefully and plan for potential rate adjustments down the line.
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- Author:NEWSWIRE INDIA
- URL:https://www.newswireindiaonline.com//article/2cba4a5b-472c-8114-9d31-ec73ca2358c3
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