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BMO Harris Bank - Money in your Eaves - HELOCWondering how much your HELOAN payments will be? Our calculator will determine the monthly payments based on your loan amount, term, and interest rate. Getting personalized rates doesn't require a hard credit check. Home equity loans from BMO Harris are only available as second liens. If you have already paid. The average rate on a home equity line of credit (HELOC) rose to percent as of Nov. 6, bucking its weeks-long downward trend, according to Bankrate's.