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BMO adviceDirect Margin LendingGetting 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. As of 10/29/, rates vary from % APR to % APR depending on property state, loan amount and other variables. Please consult a banker for pricing in. Wondering how much your HELOAN payments will be? Our calculator will determine the monthly payments based on your loan amount, term, and interest rate.