View all Mortgages

Our Fixed Rate Mortgages

Fixed Rate Mortgage

Get security and peace of mind, knowing your interest rate won't increase over the term you select.

Six-Month Convertible Mortgage

You can use the shorter term to your benefit. Plus, you can always convert your mortgage to a longer-term closed mortgage at any time during the 6 months - at no cost to you.

One-Year Open Mortgage

Pay a little extra, at any time without incurring administration costs or prepayment charges. And although the interest rate is fixed for the full year, you have the flexibility to convert your mortgage to a closed term at any time¹, without a fee.

1. Must be converted to a fixed rate mortgage with a term longer than the remaining term.

Closed Variable Interest Rate Mortgage

With a Closed Variable Interest Rate Mortgage, when your interest rate changes, your payment amount remains the same. However, the amount that is applied toward interest and principal will change. If your interest rate decreases, more of your payment is applied to the principal. If your interest rate increases, more of your payment will go toward the interest accruing on your mortgage.¹ With this five-year mortgage option, you can lock in your interest rate by converting to a Fixed Rate Mortgage at any time, as long as the new term is at least the lesser of 3 years or the remaining term.

1. If your interest rate increases so that the monthly payment does not cover the interest amount, you will be required to adjust your payments, make a prepayment or pay off the balance of the mortgage.

Open Variable Interest Rate Mortgage

This five year mortgage option gives you fixed payments and the ability to pay off your mortgage faster.

You get the flexibility to increase your payments to any amount, anytime. Plus, you can pay off all or part of your mortgage without paying prepayment charges (an administration fee applies in year one and two only). If your interest rate decreases, more of your payment goes toward your principal and less toward interest. So your mortgage gets paid off faster. If your interest rate increases, more of your payment will go toward the interest accruing on your mortgage.¹

You can also lock in your interest rate by converting to a Fixed Rate Mortgage at any time.

1. If your interest rate increases so that the monthly payment does not cover the interest amount, you will be required to adjust your payments, make a prepayment or pay off the balance of the mortgage.

TD Home Equity FlexLine

TD Home Equity FlexLine is a line of credit that is fully secured by the equity in your home that can provide you with access to ongoing credit, up to your available limit, and provides a number of flexible options:

• Apply only once – you can access your available credit within your credit limit anytime without having to re-apply¹.
• Pay at your own pace – make monthly interest only payments or pay as much as you want².
• Benefit from access to revolving credit - as your outstanding balance decreases, your available credit increases.
• Reduce your debt with a Term Portion – Pay off all or a portion of your outstanding balance by establishing regular payments through a Term Portion. Choose between a fixed or variable interest rate, and open or closed-to-prepayment term, depending on the rate you have chosen.

Get Pre-Approved

Schedule a call

You pick the time and we'll contact you.

Book an appointment

Visit a branch at a time that's convenient to you.

Have a specialist visit you

Find a Mortgage Specialist that's close to you and request a meeting.