Mortgages & Loans

M&T has a variety of 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.


  • 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. 

Lending 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.

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.