TD Bank Mortgage Rates

Why Choose TD Bank Through Garth Financial?

At Garth Financial, we’ve built a strong partnership with TD Bank, granting our clients access to some of the lowest mortgage rates available across Canada. Thanks to the large volume of business we process with TD, we’re able to secure highly competitive rates, offering our clients an exceptional advantage.

Benefits of TD Bank Mortgages

  • Access to a Secured Line of Credit: TD makes it easy to access a Home Equity Line of Credit (HELOC) in the future. If your home’s value increases or your mortgage balance is paid down to below 80% loan-to-value (LTV), you can apply for a secured line of credit without the need to change your home’s title. TD registers their mortgages upfront to accommodate this feature, saving you legal fees down the road.

  • Prepayment Privileges:

    • Make lump sum payments of up to 15% annually (based on the original mortgage balance).

    • Double up your regular mortgage payments to pay down your balance faster.

  • Rental Property Friendly: TD’s rental offset policy allows you to use the surplus income from your rental properties to offset your debts, making it easier to expand your real estate portfolio.

Considerations for TD’s Collateral Mortgages
TD registers their mortgages as collateral charges, which offers flexibility for future borrowing but can make switching lenders at the end of your term more complex. However, at Garth Financial, we’ve got you covered. Through enhanced transfer programs with select lenders, we can assist in moving your mortgage when needed—typically for a cost of around $700, which I often refund to clients when possible. Rest assured, I’ll explore every option to ensure the best outcome for you.

A One-Stop Shop for All Your Financial Needs
TD Bank offers a full suite of banking, mortgage, and investment products, making it a convenient choice for clients looking to consolidate their financial services. From quick client support to fast turnaround times, TD ensures a seamless experience for homeowners and investors alike.

Why Work With Garth Financial?
When you choose Garth Financial, you’re working with a team of experienced mortgage brokers who are dedicated to helping you achieve your homeownership and investment goals. Whether it’s securing a mortgage with TD or exploring options with other lenders, we provide personalized guidance every step of the way.

Let’s Get Started
Ready to see the competitive rates and benefits TD Bank offers? Call your local trusted mortgage broker at Garth Financial today. Whether you’re looking to buy your first home, pay off your mortgage faster, or grow your investment portfolio, we’re here to help you succeed.