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Lender rate guide

TD Canada Trust
mortgage rates.

Compare current rate examples, then check what fits your mortgage.

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Compare the possibilities.

Owner-occupied BC & Ontario reference scenarios. Conditions vary by product.

11 of 11 reference offers

5-year variableUninsured – 25 yrUninsuredUp to 25-year amortization4.51%APRContract 4.49%Details
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

TD public mortgage rates API; 5 Year Variable Closed special; special advertised rate.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedInsuredInsuredUp to 25-year amortization5.31%APRContract 5.29%Details
Product
Insured
Insurance category
Insured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

TD public mortgage rates API; 5 Year Fixed Closed High-Ratio special; special advertised rate.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization5.31%APRContract 5.29%Details
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

TD public mortgage rates API; 5 Year Fixed Closed special; special advertised rate.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

2-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization5.44%APRContract 5.39%Details
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

TD public mortgage rates API; 2 Year Fixed Closed; posted advertised rate.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

6-month fixedUninsured – 25 yrUninsuredUp to 25-year amortization5.72%APRContract 5.54%Details
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

TD public mortgage rates API; 6 Month Convertible Mortgage; posted advertised rate.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization5.79%APRContract 5.69%Details
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

TD public mortgage rates API; 1 Year Fixed Closed; posted advertised rate.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

4-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization6.02%APRContract 5.99%Details
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

TD public mortgage rates API; 4 Year Fixed Closed; posted advertised rate.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

6-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization6.31%APRContract 6.29%Details
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

TD public mortgage rates API; 6 Year Fixed Closed; posted advertised rate.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

10-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization6.81%APRContract 6.80%Details
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

TD public mortgage rates API; 10 Year Fixed Closed; posted advertised rate.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year variableUninsured – 25 yrUninsuredUp to 25-year amortization8.02%APRContract 8.00%Details
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

TD public mortgage rates API; 5 Year Variable Open; special advertised rate.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization10.05%APRContract 9.95%Details
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Lender reported

Eligibility & conditions

TD public mortgage rates API; 1 Year Open Mortgage; posted advertised rate.

Compare the reference scenarios (4)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

Beyond the headline

TD rate offers and FlexLine

TD publishes mortgage rate offers and separate home-equity borrowing information. A term mortgage and a TD Home Equity FlexLine arrangement need to be assessed using their own borrowing components.

Compare the applicable fixed or variable term, any revolving balance and the full borrowing cost. Ask how rate changes affect payments or amortization and what happens if you repay early.

Lender product information and conditions ↗

Product guide updated . Rate evidence is dated separately in each offer. FCAC: choosing a mortgage.

Before you choose.

Does a TD variable rate tell me how my payment changes?

The contract determines the payment mechanism. Ask the lender to explain the effect of rate increases, trigger provisions and any change in repayment time for the particular product.

How do I check which TD Canada Trust rates fit my mortgage?

Use the shopper with TD Canada Trust selected, then enter your purchase, renewal or refinance details. Reference scenarios are examples; matching a rate is not lender approval. You can clear the lender filter to compare alternatives.

Check my scenario →
Can Pragmatic arrange every offer listed here?

A listing does not confirm a lender appointment or access to every product or promotion. Ask us to confirm the lender, program and application channel for your BC property. Our brokerage services are available in British Columbia.

Where can I compare payments and switching costs?

Use the payment calculator for an estimate, then include any payout penalty, discharge, appraisal and legal costs in a switching or refinance comparison. Confirm those costs with your current lender and the proposed lender.

Payment calculatorMortgage penalty estimateRefinancing guide

Related lenders and programs to explore. Eligibility and access differ.

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Compare with your own numbers.

Compare payments and terms for your own numbers, or get a broker’s help with eligibility, fees and the details that matter to you.

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About these rates & reference scenarios

Current catalogue examples for owner-occupied British Columbia and Ontario properties. Rates match the stated example scenarios, not your personal eligibility. This is not every lender product or a whole-market best-rate claim. Insurance, underwriting, fees and lender conditions apply. A rate hold does not extend an offer's availability.

Catalogue retrieved . Public sources are scheduled for checks once daily at 6 a.m. Vancouver time. Unverified, expired and future offers are withheld.

A listing does not confirm that a lender has appointed this brokerage or that every lender product is available through us.

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