The Home Trust EquityLine Visa allows the equity in your home to be used to secure a credit limit of $10,000 - $250,000. This Visa is often used to consolidating higher-interest debt or making home improvements. Monthly payments as low as 1%, 1.25% or 1.5% of your outstanding balance or $10, whichever is greater. Additional payments can be made at any time without penalty. This EquityLine Visa has no annual fees - just a one-time set-up fee of 2% of the approved credit limit and a legal fee of $350 to $780 which will be charged to your VISA account. This card includes car rental insurance. Balance protection insurance is not available.