TD Canada Trust Mortgage Lender Profile
Generally for Borrowers who fit prime lending and want a large national bank reachable through branches, mobile specialists, digital channels or some brokers.
Who they are
TD Canada Trust is the Canadian retail banking arm of TD Bank Group. The legal entity is The Toronto-Dominion Bank, a Schedule I chartered bank formed by the 1955 merger of the Bank of Toronto and The Dominion Bank. Its corporate head office is the TD Bank Tower at 66 Wellington Street West in Toronto, and it is among Canada's largest residential mortgage lenders. There are several ways to reach it for a mortgage: through a branch, through one of its mobile mortgage specialists, or through digital channels. It also runs a mortgage broker channel, TD Broker Services, which supports brokers nationally.
What they lend on, and who for
TD lends primarily in the prime space. It offers insured, insurable and uninsured residential mortgages for purchases, refinances, renewals and switches from another lender, alongside its Home Equity FlexLine, a readvanceable product. You can arrange a TD mortgage yourself through a branch or a mobile specialist. If you would rather use a mortgage broker, be aware that not every broker can place a file with TD: broker access runs through firm agreements rather than open submission. TD has publicly reaffirmed the channel as a long-term strategy, moving in 2025 to real-time broker pricing intended to align broker rates with its other sales channels.
How to approach TD Canada Trust
You can contact TD Canada Trust yourself; nothing stops you. What you cannot easily find out is what they will actually accept. How they read employment income, what they will do with a bonus or commission, how much rental income they will count against a property, and what they want documented and how recent it has to be — none of that is published in full anywhere, and it moves.
A licensed broker who places files with lenders like this every week knows those criteria, and more usefully knows how to structure a file so it lands inside them rather than just outside. On anything that is not a straightforward salaried purchase, that structuring is most of the difference between an approval and a decline. It costs you nothing on a prime mortgage — the lender pays the broker when it funds.
| Lender type | Bank · Schedule A |
| Division of | The Toronto-Dominion Bank |
| Head office | TD Bank Tower, 66 Wellington Street West, Toronto, ON M5K 1A2 |
| Website | td.com |
| Phone | 1-800-722-3098 |
Get notified 90 days before your renewal
Your lender contacts you at 30 days, when you have no time to shop. We reach you at 90 — early enough to lock a hold and personalize your offers.
Borrower ratings for TD Canada Trust
In today’s world, reviews dictate the service industry. Brokers have taken the hit for bad lenders. We bring the consumer experience to light to help borrowers decide.
How quickly did they issue a commitment and get to funding?
Was the rate you got competitive for the product you qualified for?
Could you reach someone, and did they resolve things?
Portal, e-signing, document upload, online account — did it work?
Were the terms, fees and penalties clear before you signed?
Worked with TD Canada Trust?
Score them on the five things above. We confirm every review by email before it publishes, and we publish the bad ones too.
Questions about TD Canada Trust
Is TD Canada Trust a real mortgage lender?
Yes. TD Canada Trust is a bank (schedule a) based in Ontario, part of The Toronto-Dominion Bank (TD Bank Group). Its own site is td.com.
What kind of lender is TD Canada Trust?
Bank — categorised in our directory as Bank (Schedule I). Chartered banks. Convenient and familiar, rarely the cheapest, and the source of the most expensive break penalties in the market because their interest rate differential is calculated off posted rates rather than the rate you actually pay.
Who owns TD Canada Trust?
TD Canada Trust is part of The Toronto-Dominion Bank (TD Bank Group). Ownership matters mainly because it tends to determine the funding source and, on a fixed mortgage, how the break penalty is calculated.
Should I go to TD Canada Trust directly or through a broker?
You can approach them yourself. The reason most people do not is that a lender's real criteria — how income is read, what is accepted as documentation, what will be allowed as an exception — are not published, and they change. A broker who works with TD Canada Trust regularly knows them and knows how to present a file to fit them, which on anything other than a simple salaried purchase is usually what decides the answer. On a prime mortgage it costs you nothing either way, because the lender pays the broker when it funds.
Would TD Canada Trust approve me?
No profile page can answer that, and any site that tries is guessing. It turns on how your income is earned and how much of it a lender will count, your credit history, the property itself, and how much you need against what it is worth. Those are the questions a licensed broker asks before naming a lender — and they will tell you which ones realistically fit, this one included, and which would price it better.
Where does TD Canada Trust lend?
Its head office is in Ontario. Lending areas change and are not always the same as where the lender is based — confirm current coverage with the lender or a broker before planning around it.
Would TD Canada Trust take your file?
Send us the details and a licensed broker will tell you which lenders fit — this one included, and the ones that would price it better.
Send us the file