When applied effectively, credit can be a powerful financial lever to substantially enhance your monetary returns.
As a BB&T Wealth client, you'll have access to an outstanding suite of exclusive credit-related services and Wealth lending specialists.
Unlock custom-built home financing options
We can tailor one of our premium lending packages to your specific needs, whether you're:
- Looking to buy or build your dream home
- Ready to purchase that perfect vacation or second home
- A physician in residency or just starting out in practice
- Interested in a loan that exceeds the maximum amount allowed by most lenders
- Exploring your refinancing options and looking for highly competitive rates and terms
Use the equity in your home to your advantage
With flexible repayment options, minimal costs and fees, and up to 100% tax deductible interest,1 you can use your home equity line to:
- Remodel your home
- Pay tax obligations
- Fund a business opportunity
- Consolidate higher-cost loans
- Purchase luxury items, such as a car, boat or fine art
- Inject capital into your business
- Add to your real estate portfolio
Leverage the borrowing power of your assets while keeping your portfolio intact
Use your BB&T or BB&T-affiliate securities accounts as collateral for loans and lines of credit.
- Low cost to initiate
- Easy access to funds by check, fund transfer or wire transfer
- Potential deferment of capital gains taxes on your securities investments
- Flexibility to use for a variety of purposes
- Potential tax advantages related to interest expense
Use for a variety of purposes, such as one-time personal expenses and unexpected cash needs
In addition to checks, you'll have easy, 24-hour access to your account with online banking.
- Includes loans and lines of credit
- No collateral required
- Flexible repayment options
- Variable interest rate
Auto, marine & aircraft
Enhance your lifestyle with luxury solutions
Custom financing with competitive rates and a variety of flexible options, including:
- Vehicle loans
- Personal aircraft financing
- Marine and watercraft financing
Specifically designed to meet your personal and business lending needs
Your BB&T Wealth advisor works to attain customized solutions on your behalf based on a full understanding of your financial plan, leveraging our lending network experts and resources to help meet both short-term liquidity needs and deliver longer term cash-flow solutions that:
- Secure the funds you need without having to liquidate assets
- Benefit from special financing options and tax advantages
- Consolidate debt, reduce interest costs and lower your monthly payments
Experience features designed for the way you live
Enjoy rich rewards and best-in-class service with cards exclusively for you.
- The BB&T Vantage® Visa Signature® credit card delivers 1.5% cash back on purchases with no fees2
- With the BB&T Spectrum Travel Rewards credit card, earn 2x miles on your travel purchases and more2
Ready to take the next step?
Choose a time for an advisor to call you.
Speak with an advisor.
BB&T Perspectives shares financial, leadership and lifestyle perspectives with the hopes of enhancing our clients' lives. Learn more about the strategic credit topics our Wealth experts are discussing.
Strategic Use of Credit
One of the most important—but often overlooked—tools for effective wealth management is the strategic use of credit.
Wealth Lending – Using Financial Leverage Strategically
Within the realm of personal finance, few topics evoke such strong reactions as debt and the use of debt to optimize one's personal finances.
Your BB&T Wealth advisor will help you create a comprehensive, strategic plan to integrate and coordinate your banking, credit, investments, risk management, and trust and estate planning services.
Comprehensive financial planning
Simplify your complex financial life with a BB&T Wealth advisor who can help you see the big picture.
Optimize your cash flow with access to our premier banking services and preferred rates.
Retirement and investing
Bring your short- and long-term financial goals into focus with customized planning and investment strategies as well as self-directed services.