Best TD Canada Trust Mortgage Rates

Daily updated fixed & variable rates. Compare against market averages to ensure you get the best deal.

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Current TD Mortgage Rates

Live as of: July 2, 2026 | Canada

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Adjust the purchase price, down payment, amortization, and payment frequency to see how your estimated mortgage payments change across the rate options below.

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TD Canada Trust

Ratings

Google: 4

Trustpilot: 4.5

RateBuddy: 4.8

7.75%

Interest Rate

5 Years • Variable

5 Year Variable Open

Payment & Interest Estimate

Est. Monthly Payment $2,153

Interest in 5 years $106,381

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TD Canada Trust

Ratings

Google: 4

Trustpilot: 4.5

RateBuddy: 4.8

9.95%

Interest Rate

1 Year • Fixed

1 Year Open

Payment & Interest Estimate

Est. Monthly Payment $2,580

Interest in 5 years $138,032

Interest over 1 Year $28,236

Inquire

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How TD Canada Trust Compares

While TD Canada Trust offers competitive standard rates, their real value often lies in specialized products like member-only bundles and flexible prepayment terms.

Prepayment Flexibility Allows for higher than average annual lump-sum payments compared to online-only lenders.

Local Expertise Extensive branch network for those who prefer in-person advice for complex applications.

Mortgage Qualification

Minimum 5% down payment for TD Canada Trust
Minimum credit score: 680+ recommended
Stable Canadian employment (2+ years preferred)

Am I Eligible?

Lender Intelligence

Decoding TD Canada Trust
Mortgage Solutions

As a cornerstone of the Canadian financial landscape, TD Canada Trust provides more than just capital; they provide stability. Their mortgage portfolio is engineered for homeowners who prioritize long-term security and predictable cash flow.

Institutional Strength

Backed by one of Canada's largest balance sheets, ensuring your financing is secure through all market cycles.

Portability Power

Seamlessly move your TD Canada Trust mortgage to a new property without breaking your existing term or rate.

Lump-Sum Speed

Aggressive prepayment privileges (up to 15-20% annually) allowing you to become debt-free years ahead of schedule.

Convertible Ease

The unique ability to lock in your variable rate into a fixed term instantly if interest rates begin to rise.

Not sure if TD Canada Trust is right for you?

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The Bottom Line

Is TD Canada Trust right for you?

Advantages

Full Service Banking Easily bundle your mortgage with chequing, savings, and credit cards for a unified experience.
Face-to-Face Advice Access to thousands of branches across Canada for personalized, in-person support.
Convertible Rates Market-leading flexibility to lock in variable rates without heavy administrative hurdles.

Considerations

Higher Posted Rates Standard "posted" rates can be higher than monoline lenders; negotiation or broker access is often key.
Stricter Approval Path As an "A-Lender," TD Canada Trust has higher credit and income requirements than private options.
Complex Penalties Breaking a fixed-rate mortgage early can result in IRD (Interest Rate Differential) penalties.