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BMO - Loan vs. Line of Credit: What�s the Difference?Why we say it's the best for affordability. BMO scored a 10 out of 10 for affordability due to its below-average rates and introductory rate offers. � Who should. With a HELOC, access the money you need, and only pay interest on what you borrow. Borrow again and again as long as you have available funds. Rates vary from % APR to % APR depending on property state, loan amount and other variables. Please consult a banker for pricing in your region.