Achieve Raises HELOC Limit to $700K, Lowers APR to 5.5%
Event summary
- Achieve increased its fixed-rate HELOC maximum loan amount to $700,000, effective June 2, 2026.
- The best available APR for qualified borrowers is now 5.5%, with autopay enrollment.
- This is the second major HELOC expansion in 2026, following a $500,000 limit increase in April.
- New maximum combined loan-to-value ratio is 90%, and debt-to-income ratio is 50%.
- Achieve Pro, a third-party origination channel, is expected to launch in the second half of 2026.
The big picture
Achieve's latest HELOC expansion reflects a broader trend in the digital lending space, where fintech companies are leveraging technology to offer more flexible and accessible home equity products. By increasing loan limits and lowering rates, Achieve aims to capture a larger share of the home equity market, particularly among high-net-worth homeowners. The strategic move also positions Achieve to compete more aggressively with traditional lenders and other fintech players.
What we're watching
- Market Expansion
- Whether Achieve can sustain growth by expanding its HELOC offering to more states and borrowers.
- Competitive Positioning
- How this move will affect Achieve's standing against traditional banks and fintech competitors in the HELOC market.
- Regulatory Compliance
- The pace at which regulatory scrutiny may increase as Achieve pushes higher loan limits and relaxed underwriting standards.
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