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EasyWeb WebBroker U.S. Banking My Accounts My Accounts Logout EasyWeb WebBroker U.S. Banking Home / Mortgages / Mortgage Rates
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Home / Mortgages / Mortgage Rates

Mortgages
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Mortgages

Get more from your new TD Mortgage with our special cashback offer.

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Get more from your new TD Mortgage with our special cashback offer.

Offer expires August 31, 2026. Conditions apply.

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Looking for mortgage advice that feels right? TD Mortgage Direct connects you with a TD Mortgage Specialist for personalized advice.

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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 Today's Mortgage Rates1\r\n"}}" id="text-3657190a63" class="cmp-text"> Today's Mortgage Rates1 Explore our mortgage solutions from closed or open mortgages with fixed or variable rate options to find the right mortgage rate for you. Understanding mortgage interest rates and Annual Percentage Rate (APR) can be helpful for saving in the long term.

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Explore our mortgage solutions from closed or open mortgages with fixed or variable rate options to find the right mortgage rate for you. Understanding mortgage interest rates and Annual Percentage Rate (APR) can be helpful for saving in the long term.

Our Special Mortgage Rates

Term

Special Rate 2

APR 3

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 %
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TD Mortgage Prime Rate is %

TD Mortgage Direct\r\n

Looking for tailored advice ASAP? Simply answer a few questions and TD Mortgage Direct will quickly match you with a Mortgage Specialist.

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A TD Mortgage Specialist can help you:
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\r\n\r\nUnderstand fixed vs variable rate options and choose what works for you.\r\nFind a rate that works for you and switch to TD from another financial institution.\r\n\r\n"}}" id="text-0ae37e2489" class="cmp-text"> TD Mortgage Direct

Looking for tailored advice ASAP? Simply answer a few questions and TD Mortgage Direct will quickly match you with a Mortgage Specialist.

A TD Mortgage Specialist can help you:

Understand fixed vs variable rate options and choose what works for you. Find a rate that works for you and switch to TD from another financial institution. Request a call See how your mortgage rate impacts home affordability Mortgage Payment Calculator

See what your mortgage payments could be and discover ways you can save money.

Mortgage Affordability Calculator

Ready to start looking for your dream home? Enter a few key details and the calculator will guide you in determining what house price may be within reach.

Mortgage Pre-approval

Get an immediate response to your online application.

Why get a TD Mortgage? Fast access to personalized advice

Looking for tailored advice ASAP? Simply answer a few questions and TD Mortgage Direct will quickly match you with a Mortgage Specialist.

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 needed7. Learn more about TD's Flexible Mortgage Payment Features.

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 days8.

TD Mortgage Protection

No matter which type of TD Mortgage you select, consider TD Mortgage Protection. This optional insurance can reduce or pay off the outstanding balance on your TD Mortgage if, for example, you should pass away or suffer a covered critical illness.11

Find out more

Fixed Rate Mortgages

Variable Rate Mortgages

TD Home Equity FlexLine (HELOC)

Get comfort knowing your interest rate won't increase over the term you select.
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A fixed rate mortgage offers stability, and with it, peace of mind. Once you’ve selected your term, you can be assured your interest rate won't change for that period of time.

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You can choose the term length: 6 month, 1, 2, 3, 4, 5, 6, 7 or 10 years.

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Get comfort knowing your interest rate won't increase over the term you select.

A fixed rate mortgage offers stability, and with it, peace of mind. Once you’ve selected your term, you can be assured your interest rate won't change for that period of time.

You can choose the term length: 6 month, 1, 2, 3, 4, 5, 6, 7 or 10 years.

Term

Rate6

6 Month Convertible Mortgage

Posted rate: %
APR 3: %

1 Year Open Mortgage

Posted rate: %
APR 3: %

1 Year Fixed Closed

Posted rate: %
APR 3: %

2 Year Fixed Closed

Posted rate: %
APR 3: %

3 Year Fixed Closed

Posted rate: %
Special Rate 2: %
APR 3: %

4 Year Fixed Closed

Posted rate: %
APR 3: %

5 Year Fixed Closed

Posted rate: %
Special Rate 2: %
APR 3: %

6 Year Fixed Closed

Posted rate: %
APR 3: %

7 Year Fixed Closed

Posted rate: %
APR 3: %

10 Year Fixed Closed

Posted rate: %
APR 3: %

A TD variable interest rate mortgage means the rate of interest is based on the TD Mortgage Prime Rate, which can go up and down over the term of a mortgage loan.

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A TD variable interest rate mortgage means the rate of interest is based on the TD Mortgage Prime Rate, which can go up and down over the term of a mortgage loan.

Term

Rate

5 Year Variable Closed Mortgage

Posted Rate: (TD Mortgage Prime Rate: %)

Special Rate 2: % (TD Mortgage Prime Rate % %)

APR 3: %

5 Year Variable Open Mortgage

Posted Rate: % (TD Mortgage Prime Rate % %)
APR 3: %

A HELOC is an alternative to a mortgage. You get the option to borrow only what you need, as you need it. Plus, as it is secured by your real estate, you may get the benefit of an interest rate that is lower when compared to unsecured credit interest rates.

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TD Home Equity FlexLine is a way to use your most powerful borrowing tool – your home. As you pay back the amount you owe, the amount of credit available to you increases until it reaches your credit limit. It’s available when you need it, through a variety of convenient options, 24/79.

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Learn more Mortgage interest rates FAQs What is the Annual Percentage Rate (APR)? Annual Percentage Rate (APR) is the cost of borrowing expressed as a percentage. It includes interest and applicable fees (for example property valuation fees). The APR is not the rate used to calculate your regular payments.

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Annual Percentage Rate (APR) is the cost of borrowing expressed as a percentage. It includes interest and applicable fees (for example property valuation fees). The APR is not the rate used to calculate your regular payments.

What is the difference between a fixed and a variable interest rate at TD? A fixed interest rate means your interest rate, along with your principal and interest payments, will stay exactly the same during your mortgage term.

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With a variable interest rate, your interest rate can fluctuate based on changes in our TD Mortgage Prime Rate. While your payments will remain the same, the amounts from each payment that go toward the principal and interest can vary10.

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It's important to take a closer look at the differences between fixed and variable interest rates before you make a decision.

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A fixed interest rate means your interest rate, along with your principal and interest payments, will stay exactly the same during your mortgage term.

It's important to take a closer look at the differences between fixed and variable interest rates before you make a decision.

What is a mortgage rate hold? A mortgage rate hold is the locking in of a specified mortgage rate for a set period of time. This only applies to fixed rate mortgages, since the interest rate of variable rate mortgages can fluctuate.

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Once you have a TD Mortgage Pre-Approval, you get a 120-day rate hold which holds the interest rate on your pre-approval term for up to 120 days subject to all the conditions, even if interest rates go up.

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A mortgage rate hold is the locking in of a specified mortgage rate for a set period of time. This only applies to fixed rate mortgages, since the interest rate of variable rate mortgages can fluctuate.

Related articles\r\n"}}" id="text-10676ec578" class="cmp-text"> Related articles Interest rate changes and its impact on your mortgage

The Bank of Canada’s overnight interest rate can affect the housing market, home prices and, of course, the cost of your mortgage. Learn more about how interest rate changes work.6

Using the equity in your home

Should you use the equity in your home? Here are four questions to ask yourself before you apply for a HELOC.

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TD Mortgage Direct Request a call Book an appointment

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1 Fixed rates are expressed as if calculated semi-annually, and variable rates are expressed as if calculated monthly, not in advance. Rates may be changed, extended or withdrawn at any time without notice.

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.

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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.

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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.

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5 The interest rate for a TD variable rate mortgage changes whenever the TD Mortgage Prime Rate changes.

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5 The interest rate for a TD variable rate mortgage changes whenever the TD Mortgage Prime Rate changes.

6 These rates are only available for new first priority mortgages on already built, owner-occupied properties with amortization periods of 30 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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7 Conditions apply. Subject to TD approval. Interest will continue to accrue.

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7 Conditions apply. Subject to TD approval. Interest will continue to accrue.

8 Conditions apply.

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8 Conditions apply.

9 Subject to the terms of your agreement.

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9 Subject to the terms of your agreement.

10 If your interest rate increases so that your regular payment does not cover the interest amount, at a certain point you will be required to increase your payments, make a prepayment, or convert to a fixed rate term. Conditions apply.

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11 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).

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FCAC Mortgages

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Comparing Mortgage Security

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FCAC Mortgages

Comparing Mortgage Security

A short-term mortgage with the option to convert to a longer closed term.

A mortgage which can be prepaid at any time, without requiring the payment of additional fees.

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.

A mortgage agreement that cannot be prepaid, renegotiated or refinanced before maturity, except according to its terms.

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.

Mortgages Rates - TD Canada Trust,AI智能索引,全网链接索引,智能导航,网页索引

Looking for Canadian mortgage rates? Explore TD Mortgages and our mortgage rates today to find the right mortgage interest rate for you.