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Accounts overview Chequing Savings Youth and Student U.S. Dollar Explore all offersBanking For
Newcomers Youth & Parents Students International Students Post GradsServices
Overdraft Protection TD Global Transfer TD Access Card TD Mobile Deposit Fraud PreventionTD New to Chequing Offer
Get up to $750 in value starting with an eligible TD Chequing Account. Conditions apply.
TD New to Canada Banking Package
Earn up to $1,790 in value when you bank with TD as a Newcomer. Conditions apply.
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Explore all credit cards Explore promotions and offers TD Travel Rewards Cash Back Aeroplan No Annual Fee Low Rate U.S. Dollar BusinessCredit Cards For
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TD® Aeroplan® Visa Infinite* Card
Up to $1,350 in value including up to 40,000 Aeroplan points could be yours and receive an Annual Fee rebate for the first year. Conditions Apply.
Featured offer
TD First Class Travel® Visa Infinite* Card
Earn up to $1,300 in value, including up to 146,000 TD Rewards Points and receive an Annual Fee rebate for the first year. Conditions Apply.
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With a new TD mortgage, get up to $5,100 cashback.
Offer expires August 31, 2026. Conditions apply.
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Understanding interest rates
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\r\n\r\n"}}" id="text-87c325cff7" class="cmp-text"> Get more from your new TD Mortgage with our special cashback offer.\r\n"}}" id="text-dc20c1642c" class="cmp-text">
Get more from your new TD Mortgage with our special cashback offer.
Offer expires August 31, 2026. Conditions apply.\r\nLooking for mortgage advice that feels right? TD Mortgage Direct connects you with a TD Mortgage Specialist for personalized advice.
\r\n"}}" id="text-090c45435f" class="cmp-text">Offer expires August 31, 2026. Conditions apply.
Looking for mortgage advice that feels right? TD Mortgage Direct connects you with a TD Mortgage Specialist for personalized advice.
View offer Request a call Mortgages Whether you’re buying your first home or well into your mortgage journey, we’re here for you with helpful tools, tips and advice.\r\n"}}" id="text-688ee4527b" class="cmp-text">Whether you’re buying your first home or well into your mortgage journey, we’re here for you with helpful tools, tips and advice.
Buy my first home Buy my next propertyGet a TD Home Equity FlexLine (HELOC)
Renew my mortgage
Refinance my mortgage Our Special Mortgage Rates
Term
Special Rate2
APR3
3 Year Fixed Closed
%
(Posted Rate: %)
%
5 Year Fixed Closed
%
(Posted Rate: %)
%
5 Year Fixed Closed High-Ratio4
%
(Posted Rate: %)
%
5 Year Variable Closed5
% (TD Mortgage Prime Rate
% %)
(Posted Rate: TD Mortgage Prime Rate)
%
TD Mortgage Prime Rate is %\r\nThe Annual Percentage Rate (APR) is based on a $300,000 mortgage, 25-year amortization, for the applicable term assuming monthly payments and fee to obtain a valuation of property of $300. If there are no fees, the APR and interest rate will be the same. APR is rounded to three decimal places.
\r\n\r\n"}}" id="text-adf48a9470" class="cmp-text">
TD Mortgage Prime Rate is %
The Annual Percentage Rate (APR) is based on a $300,000 mortgage, 25-year amortization, for the applicable term assuming monthly payments and fee to obtain a valuation of property of $300. If there are no fees, the APR and interest rate will be the same. APR is rounded to three decimal places.
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Speed up or slow down your payments
Pay up to 15% of the principal amount on a closed mortgage annually, or 100% on an open mortgage, without prepayment charges. Or request to skip the equivalent of one monthly payment if needed6.
Competitive rates
We offer a range of mortgage options at competitive rates and with a pre-approved mortgage, we can hold your rate for 120 days.1
Whether you're buying a home or refinancing, get the facts about how Canada's mortgage qualification rules (stress test) and regulation(s) may affect you. Learn more.\r\n"}}" id="text-a50106b939" class="cmp-text">Whether you're buying a home or refinancing, get the facts about how Canada's mortgage qualification rules (stress test) and regulation(s) may affect you. Learn more.
TD Mortgage Protection
As you shop for a home, keep in mind, TD Mortgage Protection is optional insurance that can help provide financial security by paying off or reducing the outstanding balance on a TD Mortgage if, for example, you should pass away or suffer a covered critical illness.7
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Your deposits may be insurable by the Canada Deposit Insurance Corporation.
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CIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.
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A Down Payment is the amount of money you have towards purchasing your home. Many homebuyers make down payments of 5% to 20% of the total value of the home. The purchase price minus the down payment is the amount that generally requires financing from a bank or other financial institution.
*Available 7 days a week, excluding statutory holidays.
The Annual Percentage Rate (APR) is the cost of borrowing including interest and fees, expressed as a percentage. The APR is not the rate used to calculate your regular payments. The Annual Percentage Rate (APR) is based on a $300,000 mortgage, 25 year amortization, for the applicable term assuming monthly payments and fee to obtain a valuation of property of $300. If there are no fees, the APR and interest rate will be the same. Assumes rates does not vary over the term for variable rate.
Restart 1 Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions.\r\n"}}" id="A" class="cmp-text">1 Coverages and benefits are subject to eligibility conditions, limitations, and exclusions, including pre-existing medical condition exclusions.
2 Special rate offer is discounted off the applicable posted rate. These rates are only available for new first priority mortgages on already built, owner-occupied properties with amortization periods of 25 years or less and are subject to meeting TD Canada Trust credit granting criteria. \r\n"}}" id="B" class="cmp-text">2 Special rate offer is discounted off the applicable posted rate. These rates are only available for new first priority mortgages on already built, owner-occupied properties with amortization periods of 25 years or less and are subject to meeting TD Canada Trust credit granting criteria.
3 The Annual Percentage Rate (APR) is the cost of borrowing including interest and fees, expressed as a percentage. The APR is not the rate used to calculate your regular payments. The Annual Percentage Rate (APR) is based on a $300,000 mortgage, 25 year amortization, for the applicable term assuming monthly payments and fee to obtain a valuation of property of $300. If there are no fees, the APR and interest rate will be the same. Assumes rate does not vary over the term for variable rate.\r\n"}}" id="C" class="cmp-text">3 The Annual Percentage Rate (APR) is the cost of borrowing including interest and fees, expressed as a percentage. The APR is not the rate used to calculate your regular payments. The Annual Percentage Rate (APR) is based on a $300,000 mortgage, 25 year amortization, for the applicable term assuming monthly payments and fee to obtain a valuation of property of $300. If there are no fees, the APR and interest rate will be the same. Assumes rate does not vary over the term for variable rate.
4 This rate is only available to customers with less than 20% down payment, purchasing a residential property valued at under $1,500,000, who are eligible for and purchase mortgage default insurance and meet other conditions.\r\n"}}" id="D" class="cmp-text">4 This rate is only available to customers with less than 20% down payment, purchasing a residential property valued at under $1,500,000, who are eligible for and purchase mortgage default insurance and meet other conditions.
5 The interest rate for a TD variable rate mortgage changes whenever the TD Mortgage Prime Rate changes.\r\n"}}" id="E" class="cmp-text">5 The interest rate for a TD variable rate mortgage changes whenever the TD Mortgage Prime Rate changes.
6 Conditions apply. Subject to TD approval. Interest will continue to accrue.\r\n"}}" id="F" class="cmp-text">6 Conditions apply. Subject to TD approval. Interest will continue to accrue.
7 As defined in the Certificate of Insurance. Exclusions and limitations apply. Accidental dismemberment coverage is underwritten by TD Life Insurance Company ("TD Life"). All other coverages are underwritten by The Canada Life Assurance Company. TD Life is the authorized administrator for this insurance. For more details on insurer and/or administrator, as well as all benefits and restrictions, please refer to the Certificate of Insurance or Product Summary, Fact Sheet and Certificate of Insurance (Quebec residents).\r\n"}}" id="G" class="cmp-text">7 As defined in the Certificate of Insurance. Exclusions and limitations apply. Accidental dismemberment coverage is underwritten by TD Life Insurance Company ("TD Life"). All other coverages are underwritten by The Canada Life Assurance Company. TD Life is the authorized administrator for this insurance. For more details on insurer and/or administrator, as well as all benefits and restrictions, please refer to the Certificate of Insurance or Product Summary, Fact Sheet and Certificate of Insurance (Quebec residents).
Special rate offer is discounted off the applicable posted rate. These rates are only available for new first priority mortgages on already built, owner-occupied properties with amortization periods of 25 years or less and are subject to meeting TD Canada Trust credit granting criteria. Rates may be changed, extended or withdrawn at any time without notice.
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