Mortgages

TD Canada Trust offers a variety of flexible home mortgage options.

No matter what your needs are, we have a mortgage that's right for you. Being comfortable with your mortgage means that you can focus on creating a happy home for yourself and your family.

Our Current Mortgage Product Lineup:

Fixed Interest Rate Mortgages

Fixed Rate Mortgage

Get a fixed interest rate for a variety of terms up to 10 years, to bring security and peace of mind, knowing that your interest rate and payments won't change during the term you select.

Get More Information on the Fixed Rate Mortgages

      

Six-Month Convertible Mortgage

Take advantage of interest rate fluctuations. Get the typically lower interest rate of a six-month mortgage, with the option of converting to a longer closed term at any time during the six months at no cost to you.

Get More Information on the Six-Month Convertible Mortgage

      

One-Year Open Mortgage

Prepay any amount of your mortgage, at any time, with no administration costs and no prepayment charges. And though the interest rate is fixed over the term, you have the flexibility to convert your mortgage at any time, to a longer term without a fee.

Get More Information on the One-Year Open Mortgage

      

4% CashBack Mortgage

Simply take out a five-year, fixed-rate residential mortgage with us, and we will give you cash in an amount equal to 4% of the mortgage principal, up front.¹

Get More Information on the 4% CashBack Mortgage

   

5% CashBack Mortgage

Simply take out a six-year fixed-rate residential mortgage, and we will give you cash in an amount equal to 5% of the mortgage principal, up front.¹

Get More Information on the 5% CashBack Mortgage

   

Green Mortgage

Take out a Green Mortgage and you’ll be eligible for a 1% discount off the posted interest rate and up to a 1% cash rebate when you make ENERGY STAR® qualified purchases¹.

Get more information on the Green Mortgage

Click the buttons below to apply, pre-approve or renew online for a Green Mortgage.

Or, click here to apply online for a Green HELOC.

Variable Interest Rate Mortgages

Closed Variable Interest Rate Mortgage

Take out a five-year, Closed Variable Interest Rate Mortgage and you can pay an interest rate that will change with TD Mortgage Prime³ rate for the full five-year term of your mortgage.

Get More Information on the Closed Variable Interest Rate Mortgage

      

Open Variable Interest Rate Mortgage

Select a five-year, open Variable Interest Rate Mortgage and you'll have the flexibility of increasing your payments to any amount at any time. You can also pay off all or part of your mortgage without paying compensation (an administration fee applies in year one and two only). That means lump sum payments of any amount can be made at any time.

Get More Information on the Variable Interest Rate Mortgage (Open)

      

Home Equity Line of Credit

Pay your mortgage at your own pace. You can determine your own monthly payments, as low as interest only, and pay off all or part of your mortgage penalty-free⁴ at any time.

Get More Information on the Home Equity Line of Credit

   

High Ratio Mortgage

Buy a home with a down payment of as little as 4%.

Get More Information on the High Ratio Mortgage

      

Rental Property Mortgages

Multi-Unit Residential Mortgage

Turn to the multi-unit property specialists if you’re considering a mortgage on a residential property with five or more units. Our dedicated team of mortgage specialists will help you find a mortgage based on your needs and the property you are buying.

If you are considering a property with four units or less, you can choose from our wide variety of residential mortgages described above.

Get More Information on the Multi-Unit Residential Mortgage

Agriculture Services

Farm Mortgage

If you are interested in more than just a hobby farm.

Get More Information on the Farm Mortgage

Rural Property Mortgage

Whether you want to get out of town and move to the country, or improve your existing rural property, a Rural Property Mortgage could be right for you.

Get More Information on the Rural Property Mortgage

Mortgage rates are subject to change at any time without notice.

¹ Some conditions apply. Applies to residential properties only and is subject to meeting TD Canada Trust credit granting criteria. Offer may be changed, extended or withdrawn at any time without notice.
² Up to a maximum of $50,000.
³ Rate changes when TD Mortgage Prime changes.
⁴ Available only on revolving portion.

® The ENERGY STAR® mark is administered and promoted in Canada by Natural Resources Canada and is registered in Canada by the United States Environmental Protection Agency.