Making an investment

With margining you are usually restricted to a borrowed amount that is less than the amount of investments you have (i.e. 50%) which means you need to put some of your own money into the investment.

Any downward movement in the value of the investment may require you to pay down you loan faster to bring the margin “in line”.

Home Equity does not have those restrictions – the amount you borrow can be fully invested and is not tied to any margining or calls on the loan.