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CDCB \u0026 BMO Mortgage WorkshopBorrow a lump sum of money once οΏ½ Repay it over a set term with fixed monthly payments οΏ½ Enjoy a fixed interest rate that stays the same throughout the life of. Whether you need a personal loan, home equity loan, or line of credit, we're here for you with a simple application process and the support you need. Maximum LTV, %. Fees, $75 annual fee; $ fixed-rate loan option fee. Pros and cons of a Bank of the West HELOC. Pros. Borrow up to $2.