TD Canada Trust Mortgage Rates

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Alberta Rates
PURCHASE
Fixed Rates
1 Year
3.69%
2 Year
3.19%
3 Year
2.89%
4 Year
3.14%
5 Year
2.87%
6 Year
5.64%
7 Year
3.57%
10 Year
3.70%
Variable Rates
5 Year
3.15%
REFINANCE
Fixed Rates
1 Year
3.59%
2 Year
3.62%
3 Year
3.19%
4 Year
3.56%
5 Year
3.29%
6 Year
5.64%
7 Year
4.34%
10 Year
4.54%
Variable Rates
5 Year
3.50%
RENEWAL
Fixed Rates
1 Year
3.59%
2 Year
3.62%
3 Year
3.19%
4 Year
3.56%
5 Year
3.19%
6 Year
5.64%
7 Year
4.34%
10 Year
4.54%
Variable Rates
5 Year
3.50%
HELOC
4.45%
British Columbia Rates
PURCHASE
Fixed Rates
1 Year
3.69%
2 Year
3.19%
3 Year
2.89%
4 Year
3.14%
5 Year
2.87%
6 Year
5.64%
7 Year
3.57%
10 Year
3.70%
Variable Rates
5 Year
3.15%
REFINANCE
Fixed Rates
1 Year
3.59%
2 Year
3.62%
3 Year
3.19%
4 Year
3.56%
5 Year
3.29%
6 Year
5.64%
7 Year
4.34%
10 Year
4.54%
Variable Rates
5 Year
3.50%
RENEWAL
Fixed Rates
1 Year
3.59%
2 Year
3.62%
3 Year
3.19%
4 Year
3.56%
5 Year
3.19%
6 Year
5.64%
7 Year
4.34%
10 Year
4.54%
Variable Rates
5 Year
3.50%
HELOC
4.45%
New Brunswick Rates
PURCHASE
Fixed Rates
1 Year
3.59%
2 Year
3.74%
3 Year
2.89%
4 Year
3.94%
5 Year
3.29%
6 Year
5.64%
7 Year
5.80%
10 Year
6.10%
Variable Rates
5 Year
3.45%
REFINANCE
Fixed Rates
1 Year
3.59%
2 Year
3.74%
3 Year
3.19%
4 Year
3.94%
5 Year
3.49%
6 Year
5.64%
7 Year
5.80%
10 Year
6.10%
Variable Rates
5 Year
3.45%
RENEWAL
Fixed Rates
1 Year
3.59%
2 Year
3.74%
3 Year
3.19%
4 Year
3.94%
5 Year
3.49%
6 Year
5.64%
7 Year
5.80%
10 Year
6.10%
Variable Rates
5 Year
3.45%
HELOC
4.45%
Newfoundland and Labrador Rates
PURCHASE
Fixed Rates
1 Year
3.59%
2 Year
3.74%
3 Year
2.89%
4 Year
3.94%
5 Year
3.29%
6 Year
5.64%
7 Year
5.80%
10 Year
6.10%
Variable Rates
5 Year
3.45%
REFINANCE
Fixed Rates
1 Year
3.59%
2 Year
3.74%
3 Year
3.19%
4 Year
3.94%
5 Year
3.49%
6 Year
5.64%
7 Year
5.80%
10 Year
6.10%
Variable Rates
5 Year
3.45%
RENEWAL
Fixed Rates
1 Year
3.59%
2 Year
3.74%
3 Year
3.19%
4 Year
3.94%
5 Year
3.49%
6 Year
5.64%
7 Year
5.80%
10 Year
6.10%
Variable Rates
5 Year
3.45%
HELOC
4.45%
Nova Scotia Rates
PURCHASE
Fixed Rates
1 Year
3.59%
2 Year
3.74%
3 Year
2.89%
4 Year
3.94%
5 Year
3.29%
6 Year
5.64%
7 Year
5.80%
10 Year
6.10%
Variable Rates
5 Year
3.45%
REFINANCE
Fixed Rates
1 Year
3.59%
2 Year
3.74%
3 Year
3.19%
4 Year
3.94%
5 Year
3.49%
6 Year
5.64%
7 Year
5.80%
10 Year
6.10%
Variable Rates
5 Year
3.45%
RENEWAL
Fixed Rates
1 Year
3.59%
2 Year
3.74%
3 Year
3.19%
4 Year
3.94%
5 Year
3.49%
6 Year
5.64%
7 Year
5.80%
10 Year
6.10%
Variable Rates
5 Year
3.45%
HELOC
4.45%
Ontario Rates
PURCHASE
Fixed Rates
1 Year
3.69%
2 Year
3.19%
3 Year
2.89%
4 Year
3.14%
5 Year
2.87%
6 Year
5.64%
7 Year
3.57%
10 Year
3.70%
Variable Rates
5 Year
3.15%
REFINANCE
Fixed Rates
1 Year
3.59%
2 Year
3.62%
3 Year
3.19%
4 Year
3.56%
5 Year
3.29%
6 Year
5.64%
7 Year
4.34%
10 Year
4.54%
Variable Rates
5 Year
3.50%
RENEWAL
Fixed Rates
1 Year
3.59%
2 Year
3.62%
3 Year
3.19%
4 Year
3.56%
5 Year
3.19%
6 Year
5.64%
7 Year
4.34%
10 Year
4.54%
Variable Rates
5 Year
3.50%
HELOC
4.45%
Prince Edward Island Rates
PURCHASE
Fixed Rates
1 Year
3.59%
2 Year
3.74%
3 Year
2.89%
4 Year
3.94%
5 Year
3.29%
6 Year
5.64%
7 Year
5.80%
10 Year
6.10%
Variable Rates
5 Year
3.45%
REFINANCE
Fixed Rates
1 Year
3.59%
2 Year
3.74%
3 Year
3.19%
4 Year
3.94%
5 Year
3.49%
6 Year
5.64%
7 Year
5.80%
10 Year
6.10%
Variable Rates
5 Year
3.45%
RENEWAL
Fixed Rates
1 Year
3.59%
2 Year
3.74%
3 Year
3.19%
4 Year
3.94%
5 Year
3.49%
6 Year
5.64%
7 Year
5.80%
10 Year
6.10%
Variable Rates
5 Year
3.45%
HELOC
4.45%
Saskatchewan Rates
PURCHASE
Fixed Rates
1 Year
3.69%
2 Year
3.19%
3 Year
2.89%
4 Year
3.14%
5 Year
2.87%
6 Year
5.64%
7 Year
3.57%
10 Year
3.70%
Variable Rates
5 Year
3.15%
REFINANCE
Fixed Rates
1 Year
3.59%
2 Year
3.62%
3 Year
3.19%
4 Year
3.56%
5 Year
3.29%
6 Year
5.64%
7 Year
4.34%
10 Year
4.54%
Variable Rates
5 Year
3.50%
RENEWAL
Fixed Rates
1 Year
3.59%
2 Year
3.62%
3 Year
3.19%
4 Year
3.56%
5 Year
3.19%
6 Year
5.64%
7 Year
4.34%
10 Year
4.54%
Variable Rates
5 Year
3.50%
HELOC
4.45%

About TD Canada Trust Rates

Being a multinational financial institution has its perks and TD Canada Trust passes those perks onto its customers! TD Canada Trust offers personal and small business financial solutions, products and services that match just about any financial need. Mortgages are no exception, as the TD Canada Trust mortgage rates and all mortgage-related products are geared to meet an individual's expectations for buying a new home or reworking an existing mortgage via renewal, refinancing, or even pulling out some grown home equity. Personalized service is just one of the perks to using TD Canada Trust for your mortgage needs and having a great mortgage advisement team at your access to help guide you along the way is another perk. Information about mortgages through self-educating can feel intimidating to first time home buyers, especially when the long list of mortgage types comes into view, not to mention why mortgage rates vary between mortgage products and lenders. There are a few key points to taking on a mortgage loan that any home buyer should be aware of, such as how the home is used as security against the loan or a refinance within the written contract of conditions (the lender will register the security against your home until the loan is paid back in full).
TD Canada Trust mortgage rates are established based on the type of mortgage you take on (conventional, high ratio, fixed rate, variable rate, adjustable rate, convertible, hybrid, reverse, portable, home equity line of credit, open or closed) and the timeframe the loan will be live (6 months - 30 years). Other factors consist of personal finances (income, debts, assets, credit rating & overhead), imposed default insurance & government stress test, the monthly payment amount & frequency of payments and down payment amount if available. The longer the loan is live, the more interest payments will be made and the more you will pay as the home buyer overall. Shorter terms mean more savings, especially if you can negotiate a good interest rate with the option to revisit your mortgage contract after your first term. If you opt for a more flexible mortgage product that allows for additional payments without penalty or an early payout, then you will be ahead of the mortgage game financially. When home buyers can continuously lower the principal of the loan, then the interest payments lower as well and this is a great way to save thousands of dollars each year and pay your mortgage off sooner.

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1.877.896.6727