TD Bank
Is Part of RateShop Mortgage's Trusted Canadian Lender Network
Discover the best mortgage rates and lowest mortgage rates in Canada at RateShop. Compare Canada mortgage lending rates from top lenders to secure your ideal home loan deal today.
TD Bank: Unlock the Best Mortgage Rates with RateShop Mortgage
TD Bank: Unlock the Best Mortgage Rates with RateShop Mortgage
Overview of TD Bank as a Trusted Mortgage Lender
TD Bank is one of Canada’s most trusted financial institutions, offering a wide range of mortgage products to help Canadians achieve their homeownership dreams. As part of RateShop Mortgage’s Trusted Canadian Lender Network, TD Bank provides competitive interest rates for Canada, making it a top choice for homebuyers. Whether you're looking for Canada mortgage lending rates or specialized mortgage solutions, TD Bank combines reliability, flexibility, and customer-focused service to meet your needs. With a strong reputation for transparency and support, TD Bank is a leader in mortgage rates and Canada home financing.
TD Bank Mortgage Products and Options
TD Bank offers a variety of mortgage products tailored to suit different financial goals. From fixed-rate mortgages to variable-rate mortgages, TD Bank ensures flexibility and affordability. First-time homebuyers can benefit from specialized programs, while those looking to refinance the mortgage or access a homeowner line of credit will find tailored solutions. TD Bank also provides brokered mortgage loans through its partnership with RateShop Mortgage, ensuring customers get access to the best mortgage rates in Canada. Whether you need a home loan rates Canada or a home equity line of credit, TD Bank has you covered.
Residential Mortgages:
Fixed-Rate Mortgages: Terms from 1 to 10 years with predictable payments.
Variable-Rate Mortgages: Competitive rates that change with the market.
TD Home Equity FlexLine: Combine a mortgage with a HELOC for flexible access to home equity.
First-Time Home Buyer Programs: Special incentives and lower down payment options.
Portable Mortgages: Transfer your mortgage if you move.
Competitive Mortgage Rates and Offers
TD Bank is known for offering some of the best mortgage deals in Canada, including low mortgage rates in Ontario and best mortgage rates Ontario Canada. With options like best Canadian 5-year mortgage rates and best mortgage rates Canada 5-year fixed, TD Bank ensures affordability for long-term home financing. Their posted rate Canada is highly competitive, and customers can often access special promotions or discounts. Whether you're looking for the lowest mortgage rates Ontario Canada or cheap mortgage rates Ontario, TD Bank stands out as a top lender.
TD Bank Mortgage Pre-Approval Process
Commercial Mortgages:
Commercial Property Financing: For office buildings, retail spaces, and industrial properties.
Multi-Residential Financing: Loans for apartment buildings or condo developments.
Construction Loans: For development projects or major renovations.
Getting preapproved for a mortgage with TD Bank is a straightforward process that helps you understand your budget and strengthens your position as a buyer. The mortgage loan pre-approval process involves submitting financial documents, such as proof of income and credit history, to determine your eligibility. TD Bank’s pre-approved mortgage lenders team ensures a seamless experience, whether you're a first-time buyer or looking to refinance a mortgage loan. With pre-approval for home loan services, you can shop for your dream home with confidence.
TD Bank's flexible lending policies include:
Credit Score: Minimum of 650 for most residential products.
Income Requirements:
Salaried Employees: Proof of income (T4s, pay stubs).
Contract Employees: Proof of consistent contract work over 2 years.
Self-Employed Borrowers: Provide NOAs for the past 2 years and business financials.
Stated Income Program: Available for self-employed applicants with a minimum down payment of 20%.
First-Time Home Buyers: Eligible with as little as 5% down with mortgage insurance.
Customer Experience and Support
TD Bank is committed to providing exceptional customer service, whether you're visiting a branch, using their mobile app, or working with a mortgage broker in Toronto. Their online tools, such as the home mortgage rate calculator, help customers estimate payments and affordability. TD Bank’s mortgage agents and mortgage brokers Toronto Ontario are available to guide you through every step, from pre-approval mortgage to closing. With a focus on transparency and support, TD Bank ensures a stress-free mortgage experience.
TD Bank Mortgage Calculators and Tools
TD Bank offers a suite of online tools to help customers make informed decisions. Their home mortgage rate calculator allows you to estimate monthly payments based on mortgage rates Ontario or mortgage rates Quebec Canada. Additionally, their affordability calculator helps you determine how much you can borrow, while their refinancing mortgage loans tool provides insights into potential savings. These resources, combined with expert advice from mortgage agents in Toronto, make TD Bank a top choice for home financing.
We'll find great rates like this one from one or our several lending partners across Canada.
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5 Year - Fixed Term from
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Everyone's rate is unique.What's yours?
It is our job to get your lowest possible rate. Your rate qualification depends on certain factors, such as credit score and home equity as per regulations.
*Advertised rates may not be offered by this lender. Mortgage lender offers are aggregated by RateShop & its Brokerage Network subject to change without notice. Speak with our mortgage broker about APR and qualification requirements.
TD's underwriting process evaluates:
Debt-to-Income (DTI) Ratio: Should not exceed 42%.
Loan-to-Value (LTV): Up to 95% for insured mortgages; 80% for conventional loans.
Stress Test: Applicants must qualify at the greater of the Bank of Canada’s benchmark rate or the contract rate plus 2%.
Why Choose TD Bank Through RateShop Mortgage
Partnering with RateShop Mortgage gives you access to TD Bank’s best mortgage rates and expert guidance. RateShop Mortgage’s network of mortgage brokers and mortgage brokerage Toronto professionals ensures you get personalized solutions tailored to your needs. Whether you're looking for the best 5-year fixed rate mortgages or need help with refinancing a house loan, RateShop Mortgage simplifies the process. By choosing TD Bank through RateShop, you benefit from competitive lowest mortgage loan rates and a seamless application process.
To apply for a TD Bank mortgage, you’ll need:
Government-issued ID
Proof of income: Pay stubs, T4s, NOAs, or business financials
Credit report: Accessed directly by TD
Property details: Purchase agreement or MLS listing
Down payment verification: Bank statements showing available funds
TD Bank Mortgage Reviews and Testimonials
Customers consistently praise TD Bank for its competitive mortgage rates best rates and exceptional service. Many highlight the ease of working with mortgage brokers in Toronto Ontario and the bank’s transparent pre-approval for mortgage loan process. Testimonials often mention the benefits of TD Bank’s home equity line of credit rates and their support during refinancing a mortgage. With high ratings for customer satisfaction, TD Bank is a trusted choice for best mortgage lenders rates in Canada.
Contact a RateShop Mortgage Broker: Personalized service and access to TD's competitive rates.
Submit required documents: Income, credit history, and property information.
Receive your pre-approval: Valid for up to 120 days, helping you plan your home purchase confidently.
Online: Visit RateShop’s website for real-time TD Bank mortgage rates.
Through a Broker: RateShop brokers negotiate exclusive rates with TD.
In Branch: Meet a TD mortgage specialist for personalized rate quotes.
TD offers flexible pre-payment features to help pay off your mortgage faster:
Annual Lump-Sum Payments: Pay up to 15% of the original mortgage amount each year without penalty.
Increase Regular Payments: Boost monthly payments by up to 100%.
Double-Up Payments: Make extra payments equal to your regular installment.
FAQs About RateShop and TD Bank
What mortgage products does TD Bank offer?
TD Bank offers fixed-rate mortgages, variable-rate mortgages, and refinancing options, catering to first-time homebuyers, investors, and homeowners. They also provide specialized products like cash-back mortgages and home equity lines of credit (HELOCs).
Are TD Bank's mortgage rates competitive?
Yes, TD Bank offers competitive mortgage rates, including some of the best 5-year fixed and variable-rate options in Canada. Their rates are tailored to suit various financial needs and goals.
How does TD Bank's mortgage pre-approval process work?
TD Bank’s pre-approval process evaluates your income, credit score, and financial history to determine your borrowing capacity. This helps you understand your budget and strengthens your position when making an offer on a home.
What refinancing options does TD Bank provide?
TD Bank offers refinancing options to help homeowners lower their interest rates, access home equity, consolidate debt, or fund major expenses like home renovations. Their process is straightforward and customer-friendly.
Why choose TD Bank through RateShop Mortgage?
RateShop Mortgage connects you with TD Bank’s competitive rates, expert advice, and a streamlined application process. This partnership ensures you find the best mortgage deals in Canada with ease and confidence.
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Contact Information
6 Indell Lane, Brampton ON L6T 3Y3, Canada
Local: 416-827-2626
Toll: 800-725-9946
RateShop Inc. is a Mortgage Brokerage offering lowest mortgage rates to Canadians. We are provincially licensed in the following provinces: Mortgage Brokerage Ontario FSRA #12733, British Columbia BCFSA #MB600776, Alberta RECA #00523056P, Saskatchewan FCAA #00511126, PEI #160622, New Brunswick FCNB #88426, Newfoundland/Labrador. Our Quebec Mortgage Transactions are serviced by Orbis Mortgage Group AMF# 181136.
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