Mortgages & Loans

M&T has a variety of  mortgage and lending options to help fund your ambitions. Whether you're looking to pay for a home improvement project, consolidate your high interest balances, or maybe you just need extra cash, we're here and ready to help.

Unless otherwise specified, all advertised offers and terms and conditions of accounts and services are subject to change at any time without notice. After an account is opened or service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Please contact an M&T representative for details.


  • Mortgages >  Every borrower has different needs. That's why M&T offers such a wide range of options with various mortgage rates – and experienced representatives – to help find the right solution for you.
  • Buying a Home in Need of Improvement >  M&T's Renovation Mortgages offer low down payments, low closing costs and a variety of loan terms.
  • Manage Your Mortgage >  Have an existing mortgage with M&T Bank? Enroll or log in to access all of your mortgage information online, make payments, and more.
  • Mortgage Calculator Library > Before you buy or refinance, you have tools at your fingertips to help you explore your options. 
  • M&T Visa Credit Cards > Apply for an M&T Visa® Credit Card today to take advantage of valuable benefits like competitive rates, our rewards program and introductory offers.
  • Home Equity Line of Credit >  Make your home work harder for you. Our CHOICEquity line of credit is there when you need it, with the option of variable and fixed rates. 
  • Personal Loans >  Take a look at M&T Bank's competitive rates and loan options to find a personal loan that suits your needs.
  • Student Loans >  When federal student aid is not enough, explore student loan options to help you pay for education.
  • Auto Loans >  Car or truck shopping? Whether you're buying new or used, apply for an M&T Bank auto loan with a quick approval process.
  • Marine & Recreational Vehicle Loans >  Whether you're dreaming of open waters or the open road, M&T Bank offers boat loans, RV loans, motorcycle loans and other recreational loans at competitive rates to help take you where you want to go.
  • How to Make a Payment > Learn the convenient ways to make a payment on your M&T loan, line or credit card.
  • Lending Calculator Library > Looking for a way to calculate your unique lending needs? Explore our calculator library to help you answer a variety of lending-specific questions.
Visa® is a registered trademark of Visa International Service Association. All other service marks and trade names referenced in this material are the property of their respective owners.

Bank-Owned Property for Sale >

Browse M&T Bank’s selection of bank-owned real estate, boats and RVs available for sale. Inventory is updated on a regular basis.

Why Finance With M&T? > 

Learn more about how M&T's competitive financing options, personalized service and efficient loan process can help you reach your goals.

Repayment Assistance Options >

If you need help with your M&T mortgage, credit card or loan payments, contact us to discuss repayment assistance options that may be available for you. 

All lending products are subject to credit and property approval. This is not a commitment to make a mortgage loan. Products are not available in all states. Certain conditions and restrictions apply. Refinancing to reduce total monthly payments may lengthen repayment term or increase total interest expense compared with your current situation. NMLS #381076.