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EasyWeb WebBroker U.S. Banking My Accounts My Accounts Logout Online Services EasyWeb WebBroker U.S. Banking Home / Mortgages / TD Home Equity FlexLine (HELOC)\r\n\r\n"}}" id="text-be0ccf9732" class="cmp-text">
Home / Mortgages / TD Home Equity FlexLine (HELOC)
\r\n\r\n"}}" id="text-3c08ac7853" class="cmp-text"> Learn about TD Home Equity FlexLine \r\n"}}" id="text-83de4242fe" class="cmp-text">
Learn about TD Home Equity FlexLine
Request a call Request a call With a new TD Home Equity FlexLine with a Term Portion, get up to $5,100 cashback.\r\n"}}" id="text-24987202b2" class="cmp-text">With a new TD Home Equity FlexLine with a Term Portion, get up to $5,100 cashback.
Offer expires August 31, 2026. Conditions apply.\r\nWhen expenses come up, TD Home Equity FlexLine with a Term Portion could help. Talk to a TD Mortgage Specialist for advice that works for you.
\r\n"}}" id="text-0182f5e7b2" class="cmp-text">Offer expires August 31, 2026. Conditions apply.
When expenses come up, TD Home Equity FlexLine with a Term Portion could help. Talk to a TD Mortgage Specialist for advice that works for you.
View offer Request a call What is a TD Home Equity FlexLine (HELOC) and how to use it? A TD Home Equity FlexLine (HELOC) is an effective way to leverage your home's value, offering both flexibility and stability. It features a Revolving Portion for easy access to your available credit1 and has optional Term Portions, which have some similar features to mortgages.\r\nLearn more about our award-winning HELOC.
\r\n"}}" id="text-0b8cfac36c" class="cmp-text">A TD Home Equity FlexLine (HELOC) is an effective way to leverage your home's value, offering both flexibility and stability. It features a Revolving Portion for easy access to your available credit1 and has optional Term Portions, which have some similar features to mortgages.
Learn more about our award-winning HELOC.
Purchase a home with a TD Home Equity FlexLine
TD Home Equity Flexline Play VideoIf you have 20% or more of the home's value2 for a downpayment, you have the option to buy a home with either a mortgage or a TD Home Equity FlexLine.
The great part of purchasing a home with a TD Home Equity FlexLine? As you pay it down, credit becomes available up to the credit limit, giving you access when you need it.1
Tap into your existing home equity with a TD Home Equity FlexLine
With a TD Home Equity FlexLine, you can access up to 80% of your home's value4 to meet your financial needs like renovating your kitchen, buying a car, or consolidating debt.
Similar to a mortgage, a TD Home Equity FlexLine allows you to borrow against your home equity which often means a lower interest rate compared to unsecured credit, making it a cost-effective option.
Accessing your credit is easy. You can use your TD Access Card5, write cheques, or log into EasyWeb Online banking or the TD app—whatever works best for you.
Lower interest rateBorrowing that's secured by your home provides lower interest rates compared to most unsecured borrowing products (ex. credit cards).
Cover large expensesWhether you've used a TD Home Equity FlexLine to purchase your home or you decide to get it later. It may be a good solution for also covering large purchases like home renovations or a new car.
What is Revolving Portion?The Revolving Portion offers:
Flexible Payment Options:
Access to Credit: Withdraw funds up to your credit limit anytime without needing to reapply.1 Competitive Rate: A variable interest rate based on the TD Prime Rate.Either the minimum required monthly payment of interest only or as much of the balance as you like, without any prepayment charges.
What is Term Portion?The Term Portion3 offers:
Flexible Payment Options:
Regular principal and interest payments at a fixed or variable interest rate. Can be set up when you first open your TD Home Equity FlexLine to access up to 80% of the home's value4 or, anytime afterward up to your credit limit using the outstanding balance in your Revolving Portion.3 Make a lump sum payment of up to 15% of your original Term Portion amount annually, with no prepayment charges if you have a closed Term Portion. Prepay as much as you want if you have an open Term Portion. Change your payment frequency to make an extra month’s payment each year with our rapid payment options. Special Term Portion Rates\r\n"}}" id="text-8e00d1da4c" class="cmp-text"> Special Term Portion RatesTerm
Special Rate7
3 Year Fixed Closed
%
(Posted Rate: %)
5 Year Fixed Closed
%
(Posted Rate: %)
3 year Variable Closed8
% (TD Prime Rate )
(Posted Rate: TD Prime Rate)
5 year Variable Closed8
% (TD Prime Rate )
(Posted Rate: TD Prime Rate)
Named "Best HELOC in Canada 2026" by MoneyGenius9, TD Home Equity FlexLine makes it easy to borrow, plan, and move forward with confidence.
TD Line of Credit Protection Whether you’re single or have a partner or a family to care for, TD Line of Credit Protection can help reduce the financial burden for you and your loved ones should you experience an unexpected covered event.\r\nTD Line of Credit Protection is an optional coverage that offers Line of Credit Critical Illness and Life Insurance, which could help pay off or reduce your outstanding TD Line of Credit balance should you pass away or suffer a covered critical illness or accidental dismemberment.6
\r\n
\r\nLearn more about TD Line of Credit Protection
Whether you’re single or have a partner or a family to care for, TD Line of Credit Protection can help reduce the financial burden for you and your loved ones should you experience an unexpected covered event.
TD Line of Credit Protection is an optional coverage that offers Line of Credit Critical Illness and Life Insurance, which could help pay off or reduce your outstanding TD Line of Credit balance should you pass away or suffer a covered critical illness or accidental dismemberment.6
Learn more about TD Line of Credit Protection
The equity may increase if you reduce those debts or charges, or the value of the property increases.
\r\nNot sure how much your home is worth? You can look up recent sales of similar homes in your area for a rough idea. However, a lender will need to assess your property’s value. At TD, a valuation is part of your TD Home Equity FlexLine application, in order to determine how much you can borrow.
\r\n"}}" id="text-222684ce12" class="cmp-text">Equity is the market value of a home, minus any outstanding debts or charges on the property.
The equity may increase if you reduce those debts or charges, or the value of the property increases.
Not sure how much your home is worth? You can look up recent sales of similar homes in your area for a rough idea. However, a lender will need to assess your property’s value. At TD, a valuation is part of your TD Home Equity FlexLine application, in order to determine how much you can borrow.
What can I use the equity in my home for? With a TD Home Equity FlexLine, you can access funds for different purposes. From buying a new home to using it for other financing purposes, it’s a flexible option that can continue to let you use your home as a powerful borrowing tool.\r\n"}}" id="text-eafbad531a" class="cmp-text">With a TD Home Equity FlexLine, you can access funds for different purposes. From buying a new home to using it for other financing purposes, it’s a flexible option that can continue to let you use your home as a powerful borrowing tool.
How do I access my TD Home Equity FlexLine? You can easily access your TD Home Equity FlexLine using your TD Access Card5, cheques, EasyWeb Online banking, or the TD app.\r\n"}}" id="text-3d4883c032" class="cmp-text">You can easily access your TD Home Equity FlexLine using your TD Access Card5, cheques, EasyWeb Online banking, or the TD app.
Can I have a TD Mortgage as well as a TD Home Equity FlexLine (HELOC)? Absolutely, you can have both a TD Mortgage and a TD Home Equity FlexLine. For personalized advice tailored to your financial situation, feel free to reach out to a TD Mortgage Specialist. They’re here to help!\r\nIf having both is daunting, you may be able to replace your mortgage with a TD Home Equity FlexLine. Just keep in mind that this could involve some mortgage prepayment charges. Talk to a TD Mortgage Specialist to learn how to minimize costs.
\r\n"}}" id="text-1a8aae7a85" class="cmp-text">Absolutely, you can have both a TD Mortgage and a TD Home Equity FlexLine. For personalized advice tailored to your financial situation, feel free to reach out to a TD Mortgage Specialist. They’re here to help!
If having both is daunting, you may be able to replace your mortgage with a TD Home Equity FlexLine. Just keep in mind that this could involve some mortgage prepayment charges. Talk to a TD Mortgage Specialist to learn how to minimize costs.
How is a TD Home Equity FlexLine different from a home equity line of credit (HELOC)? The TD Home Equity FlexLine is a type of home equity line of credit (HELOC). Both are a secured line of credit that uses your home as collateral so you can borrow what you need as you need it.1 However, with a TD Home Equity FlexLine, you may be able to borrow up to 80% of the home's value by using a Term Portion.\r\n"}}" id="text-6bb2fe4c04" class="cmp-text">The TD Home Equity FlexLine is a type of home equity line of credit (HELOC). Both are a secured line of credit that uses your home as collateral so you can borrow what you need as you need it.1 However, with a TD Home Equity FlexLine, you may be able to borrow up to 80% of the home's value by using a Term Portion.
Related articles\r\n"}}" id="text-2ca3934111" class="cmp-text"> Related articles Using the equity in your homeShould you use the equity in your home? Here are four questions to ask yourself before you apply for a HELOC.
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\r\nCIRO 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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What's the difference between a traditional mortgage loan and a TD Home Equity Flex Line? A mortgage loan is a one-time loan, typically for purchasing property, paid off over time with regular scheduled payments.
A TD Home Equity Flex Line can combine the flexibility of a line of credit with the stability of a mortgage loan, letting you use your home equity to secure credit whenever you need it for things like home improvements, education costs or other important goals.
A TD Home Equity Flex Line has two components: the revolving portion and the term portion. The revolving portion is a line of credit. It uses a variable interest rate based on TD Prime Rate. It can be paid as quickly as you like. A minimum monthly interest-only payment is required. The optional term portion is similar to a traditional mortgage loan with regular payments and a variety of terms, interest rates and prepayment options.
On Screen Graphics:
Mortgage
TD Home Equity FlexLine
Mortgage
Calendar
TD Home Equity FlexLine
*Subject to the terms of the TD Home Equity FlexLine agreement
Revolving Portion
Term Portion
Revolving Portion
TD Prime Rate
Term Portion
Terms
Interest Rates
Prepayment Options
TD Home Equity FlexLine
Restart 1 Subject to the terms of your agreement.\r\n"}}" id="Aa" class="cmp-text">1 Subject to the terms of your agreement.
2 Lending value will be based on the lesser of the value or purchase price of your home at the time of application. Subject to TD Canada Trust credit criteria.\r\n"}}" id="Bb" class="cmp-text">2 Lending value will be based on the lesser of the value or purchase price of your home at the time of application. Subject to TD Canada Trust credit criteria.
3 Subject to a minimum amount.\r\n"}}" id="Cc" class="cmp-text">3 Subject to a minimum amount.
4 Subject to TD Canada Trust credit criteria and any prior outstanding mortgage, charges or liens.\r\n"}}" id="Dd" class="cmp-text">4 Subject to TD Canada Trust credit criteria and any prior outstanding mortgage, charges or liens.
5 Available when the TD Home Equity FlexLine is programmed on your TD Access Card. Fees may apply for Interac® access and the use of other ATMs.\r\n"}}" id="Ee" class="cmp-text">5 Available when the TD Home Equity FlexLine is programmed on your TD Access Card. Fees may apply for Interac® access and the use of other ATMs.
6 Accidental dismemberment coverage is underwritten by TD Life Insurance Company. All other coverages are underwritten by The Canada Life Assurance Company. For complete terms and conditions, including eligibility conditions, definitions, benefits and restrictions, please refer to the Certificate of Insurance or for Quebec residents, the Product Summary, Fact Sheet and Certificate of Insurance.\r\n"}}" id="Ff" class="cmp-text">6 Accidental dismemberment coverage is underwritten by TD Life Insurance Company. All other coverages are underwritten by The Canada Life Assurance Company. For complete terms and conditions, including eligibility conditions, definitions, benefits and restrictions, please refer to the Certificate of Insurance or for Quebec residents, the Product Summary, Fact Sheet and Certificate of Insurance.
7 Special Rate includes a discount off the applicable posted rate. These rates are only available for new Term portion on a TD Home Equity FlexLine 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.\r\nThe Annual Percentage Rate (APR) is the same as the Special Rate, and assumes, if applicable, that TD Prime Rate does not change over the term.
\r\n"}}" id="7" class="cmp-text">7 Special Rate includes a discount off the applicable posted rate. These rates are only available for new Term portion on a TD Home Equity FlexLine 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.
The Annual Percentage Rate (APR) is the same as the Special Rate, and assumes, if applicable, that TD Prime Rate does not change over the term.
8 The interest rate for variable rate term portion changes whenever TD Prime Rate changes.\r\n"}}" id="8" class="cmp-text">8 The interest rate for variable rate term portion changes whenever TD Prime Rate changes.
9 Awarded by MoneyGenius on January 8, 2026.\r\n"}}" id="9" class="cmp-text">9 Awarded by MoneyGenius on January 8, 2026.
The Revolving Portion gives you flexible access to credit, up to your credit limit, whenever you need it—no reapplying necessary.1 You’ll benefit from a variable interest rate linked to the TD Prime Rate. Plus, you can pay at your own pace—whether it’s just the minimum required monthly payment of interest only or as much of the balance as you like, without any prepayment charges.
Think of the Term Portion as similar to a mortgage. You’ll have regular principal and interest payments with either an open or closed prepayment privilege with a fixed interest rate or a closed prepayment privilege with a variable interest rate.
What is a HELOC?,Home equity line of credit,HELOC rates Canada,HELOC Calculator,How does a HELOC work?,HELOC,HELOC Rates
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