Enable Java Script

Either your browser does not support JavaScript, or you have JavaScript disabled.
You must have a JavaScript-enabled browser to use this site.

Microsoft Internet Explorer

To turn on JavaScript in Internet Explorer, follow these steps:

  1. On the Tools menu, click Internet Options, and then click the Security tab.
  2. Click the Web content zone that you are using (for example, click Local Intranet),
    and then click Custom Level button.
  3. Locate Active scripting under Scripting settings. Click to select the Enable radio button.
  4. Click OK button on Security Settings and Internet Options windows to save your changes.

To download Internet Explorer 7, click here.


To turn on JavaScript in Firefox, follow these steps:

  1. On the Tools menu, click Options.., and then click the Content tab.
  2. Click to select the Enable JavaScript check box.
  3. Click OK button to save the setting.

To download Firefox 2, click here.


To turn on JavaScript in Safari, follow these steps:

  1. Open Safari
  2. On the Safari menu, click on Preferences.
  3. Click the Security icon.
  4. Click on Enable JavaScript next to the Web Content section if it is not checked
  5. Close the Preferences window
  6. Close and restart Safari.

Opera 9.xx series

To turn on JavaScript in Opera 9.xx series, follow these steps:

  1. Open Opera.
  2. On the Tools menu, click Preferences.
  3. Click Content in the Preferences list.
  4. Check the box next to Enable JavaScript.
  5. Click the JavaScript Options button to open the JavaScript Options box.
  6. Check the boxes that you want to allow.
  7. Click OK.
  8. Click OK.

Google Chrome(v0.4.154.23)

To turn on JavaScript in Google Chrome(v0.4.154.23), follow these steps:

  1. First close any open Chrome windows.
  2. Right click on a blank area of your Desktop.
  3. Select New.
  4. Create a new Shortcut with the following in the "Type the location of the item:" text box:
    • For Windows Vista:
      %userprofile%\Local\Google\Chrome\Application\chrome.exe -enable-javascript
    • For Windows XP:
      "%userprofile%\Local Settings\Application Data\Google\chrome.exe" -enable-javascript
      Note: You'll have to enclose the file path for Windows XP in quotes due to there being spaces in it.





Couple stands with ladder and tools outside of home.


​​Your home may be your most valuable asset in dealing with unexpected expenses, school payments, home repairs or debt consolidation. Unlock your home's equity with M&T's CHOICEquity Account and you can count on competitive rates and outstanding service.




​​​​​​​​​​​Affordable, Flexible & Convenient

  • Enjoy a revolving line of credit
  • Choose to lock in up to 3 fixed-rate loans within your line of credit, and enjoy the dependability of the same rate and payment amount every month
  • Consider an interest-only payment option during your draw period
  • Make payments only on the money you use
  • Manage your account easily anytime, anywhere through M&T Online Banking​​​DIS-221-DIS​
  • Receive a set of convenience checks
  • Be sure to consult your tax advisor​,​​​​DIS-50-DIS as interest may be tax deductible

​​Maximum Loan-to-Value​DIS-154-DIS (LTV)

85% for p​rimary residences;​ 70% for manufactured homes; 70% for vacation properties​DIS-106-DIS​.

​​​Minimum Loan Amount


​​Maximum Loan Amount

$500,000DIS-11-DIS for primary residences/$250,000 for vacation homes

​​Acceptable Collateral

  • 1- to 4-family owner-occupied homes, town homes and condom​​iniums
  • Vacation homes (only available for lines up to $250,000)
  • Deeded manufactured homes (only available for lines up to $100,000)​DIS-161-DIS


  • No application fee
  • No closing costs. However, if you close the account within 36 months after the date it is opened, you must reimburse us for certain fees we pay to third parties in connection with opening the account. Reimbursement of fees does not apply to accounts secured by properties located in the state of Pennsylvania​​​DIS-3-DIS


  • Line of Credit features a 10-year draw period followed by a 20-year repayment period
  • CHOICE Loan segment – choose loan terms from 1 to 25 years

Interest Rate

  • Line of Credit features a variable rate
  • CHOICE Loan segment features a fixed rate for the duration of the selected term


  • Line of Credit portion
    • ​Interest-only payments for the first 10 years, or
    • ​Principal and interest payments
  • Fixed Rate Loan Segment: principal and interest payments at a fixed rate and term








FAQs - Home Equity

  • What is equity?
  • ​Equity is the difference between the current value of your home (known as the fair market value) and any remaining mortgage or loan balance.

    Equity = Your home's value - Remaining mortgage balance(s)

  • How much can I borrow?
  • For the M&T CHOICEquity Account​, the maximum loan to value is 85% (up to $500,000) for a primary residence or 70% loan to value (up to $250,000) for vacation homes.​

  • What will my rate be?
  • ​​Your rate will depend on several things, including your credit standing, the line amount you are requesting, the loan-to-value ratio and other requirements. To see our rates, visit the Loan Rate Finder.

  • What property types are eligible for M&T CHOICEquity?
  • ​Single family primary residences, vacation homes, manufactured homes, condos and townhomes. If you're not sure that your residence meets these definitions, call us at 1-800-724-3222​ or visit a branch​ to discuss.​

  • Where will the closing take place for my M&T CHOICEquity Account?
  • ​​After you have been approved for the CHOICEquity Account, your closing will be scheduled at the convenient bank branch​ of your choice. 

    During the closing, you will sign all of the necessary documents. You may also be required to provide items for documentation, such as proper identification and your updated Homeowners Insurance Policy.​