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Buying a home with less than 20% down payment?
Thinking of making the switch to TD?
You could get up to $1,000 for a TD Mortgage with a down payment of less than 20%1.
To help you get comfortable in your new home, we’re offering cash back of up to $1,000 on a qualifying TD Mortgage with a minimum 3-year closed term that requires mortgage default insurance.
Ready to learn more about your options? Talk to a TD Mortgage Specialist.
How to get up to $1,000 cash back
Step 1: Meet with a TD Mortgage Specialist
to apply and get approved for a TD Mortgage with a minimum 3-year term that is closed to prepayment and requires mortgage default insurance by September 1, 2017.
Get $500 on a TD Mortgage with a principal amount of $100,000 to $249,999 ($75,000 to $249,999 in Atlantic provinces), or
Get $1,000 on a TD Mortgage with a principal amount of $250,000 to $999,999.
Step 2: Close your home purchase with your TD Mortgage
by October 31, 2017.
Step 3: Set up automatic payments for your TD Mortgage.
In order to qualify for this offer, the Pre-Authorized Debit payments for your TD mortgage need to be debited from your TD Chequing or Savings Account.
And enjoy your cash.
The money will be deposited to your Pre-Authorized Debit Account within 30 days of your purchase closing.
1 This offer is subject to meeting TD Canada Trust credit granting criteria.
Offer does not apply to business lending.
This offer can be changed, extended or withdrawn at any time by TD Canada Trust, and cannot be used in conjunction with any other offer or discount for the same product.
You could get $300 plus save on set-up fees when you switch to a TD Mortgage or a TD Home Equity FlexLine1.
Switch to a TD Mortgage or TD Home Equity FlexLine and you could get $300 plus a rebate on set-up fees.
In order to qualify for this offer, funds must be used to pay off (in the case of a TD Mortgage or TD Home Equity FlexLine) or pay down (in the case of a TD Home Equity FlexLine) the real estate secured credit facility at another financial institution.
How to get $300 plus save on set-up fees
Step 1: Meet with a TD Mortgage Specialist
to apply and get approved for a minimum 3-year term TD Mortgage which is closed to prepayment and has a principal amount of $100,000 or more ($75,000 or more in Atlantic provinces) or a TD Home Equity FlexLine with an Original Plan Limit of $50,000 or more by September 1, 2017. The amount of the pay-down or pay-off to the real estate secured credit facility at another financial institution must be a minimum of $100,000 ($75,000 in Atlantic provinces) from a TD Mortgage or $50,000 from a TD Home Equity FlexLine.
Step 2: Close your TD Mortgage or TD Home Equity FlexLine
by October 31, 2017 through our In-House Registration (IHR) program (or a notary if you’re in Quebec), and pay off (in the case of a TD Mortgage or TD Home Equity FlexLine) or pay down (in the case of a TD Home Equity FlexLine) the real estate secured credit facility at another financial institution.
Step 3: If you choose a TD Mortgage:
Set up automatic payments
In order to qualify for this offer, the Pre-Authorized Debit payments for your TD Mortgage need to be debited from your TD Chequing or Savings Account.
If you choose a TD Home Equity FlexLine:
The minimum $50,000 used to pay down or pay off the real estate secured credit facility must be drawn by the last business day of the month in which your TD Home Equity FlexLine is opened and must be outstanding for the first three consecutive months following that month.
And enjoy your $300 and rebate on set-up fees If you choose a TD Mortgage:
The $300 and the rebate will be deposited directly to your Pre-Authorized Debit Account within 30 days of the TD Mortgage being set up.
If you choose a TD Home Equity FlexLine:
The $300 and the rebate will be applied directly to your TD Home Equity FlexLine in the fifth month following the month in which the TD Home Equity FlexLine is opened.
1 The offer is subject to meeting TD Canada Trust credit granting criteria and is not available for purchase transactions. The TD Mortgage must be in first position. Other conditions may apply.
The set-up fee savings cover the property valuation fee of up to $300, plus the following amount which varies by province:
For properties located in the provinces of British Columbia, Alberta, Saskatchewan, Manitoba and Ontario:
You must use our In-House Registration (IHR) program.
The amount advanced must be equal to or greater than $50,000 on a TD Home Equity FlexLine or $100,000 on a TD Mortgage to be reimbursed the IHR fee as follows:
- for British Columbia - $500
- for Alberta - $400
- for Saskatchewan - $525
- for Manitoba and Ontario - $550.
For properties located in the province of Quebec:
You may use our IHR program or a notary
The amount advanced must be equal to or greater than $50,000 on a TD Home Equity FlexLine or $100,000 on a TD Mortgage in order to be reimbursed $800 towards your notary fees or $825 towards your IHR fee.
For properties located in the Atlantic provinces of New Brunswick, Newfoundland and Labrador, Nova Scotia and Prince Edward Island:
You must use our IHR program.
The amount advanced must be equal to or greater than $50,000 on a TD Home Equity FlexLine or $75,000 on a TD Mortgage to be reimbursed the IHR fee as follows:
- for New Brunswick - $600
- for Newfoundland and Labrador - $750
- for Nova Scotia - $600
- for Prince Edward Island - $690.
Offer is not available in Yukon, Northwest Territories and Nunavut.
Offer does not apply to business lending.
This offer can be changed, extended or withdrawn at any time by TD Canada Trust, and cannot be used in conjunction with any other offer or discount for the same product.
