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TD Bank Mortgage Rates

Below you'll find the best mortgage rates from TD Bank. Be sure to compare rates between lenders to get the best product for you.

TD Bank Mortgage Rates

Rates updated:

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Provider5 Year fixed5 Year variable3 Year fixed

Best market rate


Prime -1.50

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Prime -1.03






Prime -0.70




Prime -1.05




Prime -0.96





Prime -0.80




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TD Bank: Frequently asked questions

Are TD Bank rates lower than other banks?

How do I get a mortgage with TD Bank?

Can you negotiate a mortgage rate?

Let us help you determine which rate best suits your individual needs by answering a few short questions about your home and financial history.

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TD mortgage rates overview

TD is not only one of the biggest banks in Canada, it's one of the biggest banks in the world. As such, TD mortgage rates and products are certainly competitive among the big banks.

As with anything, however, it pays to know more and compare your options. Read on for more information on TD Bank's mortgage offerings before you compare mortgage rates among other lenders and brokers.

TD Bank mortgage products

Above and beyond standard fixed and variable-rate mortgage products, with the associated open or closed terms, TD offers a variety of specialty mortgage products, outlined below.

Six-Month Convertible Mortgage

This is a six-month mortgage with the option of converting to a longer closed term at any time, at no cost to you.

5% CashBack Mortgage

This applies to TD's six-year fixed-rate residential mortgage, whereupon TD will give you cash in an amount equal to 5% of the mortgage principal, upfront.

Green Mortgage

The Green Mortgages makes you eligible for a 1% discount off the posted interest rate and up to a 1.5% cash rebate when you make ENERGY STAR qualified purchases or the purchase of CSA approved solar panels.

High Ratio Mortgage

TD's High Ratio Mortgage allows you to buy a home with a down payment of as little as 5%.

Multi-Unit Residential Mortgage

The Multi-Unit Residential Mortgage is available to those considering a mortgage on a residential property with five or more units.

Agricultural mortgages

Finally, TD has a dedicated Agriculture Services arm, with two products focused on those customers. The Farm Mortgage is for those interested in a part-time or hobby farm. For commercial operations, the Rural Property Mortgage is made exclusively for countryside properties.

TD mortgage payment increases

For all TD mortgages, payments can be increased by up to 100% over the term without charge. You can also you can pay down up to 15% of your original mortgage amount each year, with the exception of the 1-year open mortgage and the 5-year open variable-rate mortgage.

Accessing TD mortgage rates

As with all the rates displayed on, TD mortgage rates are updated every few minutes. You can access these rates conveniently, without stepping foot outside your home, by either filling out an online mortgage application or simply speaking with a mortgage agent over the phone. To get started, connect with an authorized mortgage broker by clicking on one of the TD mortgage rates above.

TD mortgage application checklist

The mortgage application itself can be overwhelming, so be prepared to share and have ready a variety of sources of information such as annual income, employment information, existing assets and liabilities, and financial history.

Here is a list of the additional information inputs you will need to fill out your mortgage application and obtain your TD mortgage rate:

  • Mortgage amount
  • The purpose of the mortgage (e.g. purchase, refinance, transfer)
  • Purchase price
  • Down payment
  • Property type
  • Dwelling style
  • Builder (if applicable)
  • Property address
  • Estimated value
  • Annual property taxes
  • Annual condo fees (if applicable)
  • Annual heating costs

Other TD Bank Products

TD Bank offers various TD Bank credit cards, including rewards cards and low-interest cards, as well as TD Bank GICs, available in a variety of terms.

More on TD Canada Trust

TD Canada Trust is TD Bank Financial Group's personal and small business banking division. Serving more than 11 million customers nationally, TD provides a full range of financial products and services through its network of 1,100 retail branches, telephone, and internet banking, and more than 2,600 "TD Green Machine" automated banking machines.

TD Canada Trust's assurance that "banking can be this comfortable" applies to its mortgage process as well. TD employs a number of online tools to aid your purchase decision, such as: the Home Buyer's Checklist, a printout used to compare details on different properties; a mortgage terms glossary; a home life e-newsletter; tips on saving money to finance your home; and information on associated homebuyers insurance.

The bottom line

TD is one of Canada's largest banking institutions, with an established history and network of trust, such that if you have an existing relationship with them, it is natural for you to consider them first for your mortgage and consolidating your services.

However, we here at cannot stress enough how important it is to compare your bank's rates against other lenders and mortgage brokers, to obtain the best mortgage interest rate.

Author bio

Jamie David

Jamie David is the Business Director of Mortgages at A graduate of the Systems Design Engineering program at the University of Waterloo, she has over 15 years of business, marketing, and engineering experience in the financial technology, banking, education, energy and retail industries. She has worked in top organizations like TD Bank, Trading Pursuits, Petro-Canada, and the TTC. Her passion for personal finance, investing, education, and business strategy brought her to where she heads a very talented, cross-functional team that is dedicated to providing Canadians with the best mortgage experience all the way through from online search to (keys-in-your-hand) funded mortgage.

About Ratehub

We help you find better financial products for your specific needs. Whether you need a mortgage, credit card, savings account, or insurance coverage, we get you the information you need to choose better.

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Financial institutions pay us for connecting them with customers. This could be through advertisements, or when someone applies or is approved for a product. However, not all products we list are tied to compensation for us. Our industry leading education centres and calculators are available 24/7, free of charge, and with no obligation to purchase. To learn more, visit our About us page.

How are CanWise Financial and connected?

Both and CanWise Financial are owned and operated by Ratehub Inc. When comparing mortgage rates on, you’ll see rates from a number of lenders and mortgage brokers, including CanWise Financial. All products are sorted according to the rates available to you and the selection criteria you’ve shared with us.

We’re happy to send users to CanWise because of their great rates, trusted advice, and experienced mortgage team. Read any of their 3,300 five-star Google and Facebook reviews and you’ll see what we mean.