Some things I'd like to know:
What lenders have stand alone HELOCs and do not require that my mortgage be at the same bank (tangerine application says I must switch to a tangerine mortgage - I'm with Scotia - that defeats the purpose as I would just borrow the extra money if I was refinancing)?
What fees can I expect to pay if setting up a HELOC?
Are banks posted prime + x rates accurate or can I expect better (like with a mortgage)?
Anything else you think is important.