TD Canada Trust mortgage — a broker's perspective
Canada's second-largest mortgage lender. Strong on collateral-charge mortgages (built-in HELOC), competitive on rate-match retention, and broad accept for self-employed full-doc files. Known for the longest renewal-letter lead time.
Who is TD Canada Trust?
Canada's second-largest mortgage lender. Strong on collateral-charge mortgages (built-in HELOC), competitive on rate-match retention, and broad accept for self-employed full-doc files. Known for the longest renewal-letter lead time.
TD Canada Trust sits within the big-6 banks tier of Canada's mortgage market. Canada's six largest banks — RBC, TD, Scotia, BMO, CIBC, NBC. Brand recognition, branch networks, broad coverage.
From thousands of funded files across 99+ Canadian lenders, our brokerage has placed thousands of mortgages with TD Canada Trust and we know their underwriting appetite intimately — what they say yes to, what they push back on, and what file structure gets a clean approval the first time. As a Big-6 bank, TD Canada Trust operates both retail and broker channels — and we access the broker channel sheet, which prices below the walk-in rate.
What we send to TD Canada Trust.
From thousands of funded files across 99+ Canadian lenders, here’s what we know about TD Canada Trust’s preferences.
TD Canada Trust rate context — May 13, 2026
We can't publish lender-specific rates by name (lender confidentiality + daily-changing rate sheets), but here’s the live market context for big-6 banks pricing today. Your actual TD Canada Trust rate depends on file strength, term, insurance status, and product family.
TD Canada Trust funds these mortgage types
As a broker we access TD Canada Trust’s full broker-channel product menu. Explore the relevant product page for your file.
How we work with TD Canada Trust
We’re not employees of TD Canada Trust. We’re an independent FSRA-licensed brokerage that submits files to TD Canada Trust on your behalf when they’re the best fit — and to a different lender when they’re not.
5-minute call to understand your file — income, credit, down payment, property, timeline. No bureau pull to start.
We benchmark your file against 99+ lenders' appetite, not just TD Canada Trust. If they're the best fit, we go there. If not, we go elsewhere.
Full document package to TD Canada Trust's broker desk — structured the way their underwriters want to see it for clean first-time approval.
Conditional approval → conditions cleared → lawyer instruction → funding. We project-manage every milestone end-to-end.
Is TD Canada Trust a good fit for your file?
Honest take from thousands of funded files. We send the right file to the right lender — not the loudest one.
Strong fit for
- ✓Salaried W-2 / T4 borrowers with 2+ years at the same employer
- ✓First-time buyers with strong Beacon (700+) and 5-20% down
- ✓Borrowers who value branch access and bundled banking
- ✓Files that fit standard A-lender boxes cleanly
Probably not the right fit if
- !Self-employed under 2 years incorporated
- !Borrowers maxing out GDS/TDS at stress-tested rate
- !Bruised credit (Beacon under 660)
- !Files needing rental income from new tenancies
Not sure where your file fits? Start a free pre-qualification and we’ll diagnose your fit across 99+ lenders — without a bureau pull to begin.
Other big-6 banks we shop alongside TD Canada Trust
Same tier, often comparable rates. We benchmark TD Canada Trust against these every time.
TD Canada Trust mortgage broker — major Canadian cities
We place TD Canada Trust files across Canada. Tap your city for local market context and start a pre-qualification with your file in mind.
Don’t see your city? Browse all Canadian markets — we lend nationally.
Going direct to TD Canada Trust vs. through us
Same lender, different access points. Here’s what changes when you go through a broker.
| Aspect | Direct with TD Canada Trust | Through Mortgage Squad Advisors |
|---|---|---|
| Rate sheet | Branch / walk-in posted rate (highest) | Broker-channel rate (typically 15-30 bps below branch) |
| Lenders shopped | Just TD Canada Trust | 99+ lenders incl. TD Canada Trust |
| If declined | Application ends; reapply elsewhere | Re-route to next-best lender same day |
| Cost to borrower | $0 — bank pays its own staff | $0 — lender pays our compensation |
| Underwriting strategy | TD Canada Trust's lens only | We structure your file to TD Canada Trust's preferences before submission |
| Renewal benchmarking | TD Canada Trust sends a single offer; you accept or counter | We benchmark across 99+ lenders 120 days before renewal |
Same TD Canada Trust loan documents. Different shopping power. Start a pre-qualification to see what your file looks like across 99+ lenders.
What are TD Canada Trust's current mortgage rates in Canada?
How do I qualify for a mortgage with TD Canada Trust?
Is TD Canada Trust a good mortgage lender?
Can I switch to TD Canada Trust at renewal?
Does TD Canada Trust work with self-employed borrowers?
How long does TD Canada Trust take to approve a mortgage?
What's the difference between TD Canada Trust branch rates and broker rates?
Does TD Canada Trust offer pre-approvals?
What prepayment privileges does TD Canada Trust offer?
What if TD Canada Trust declines my mortgage application?
Editorial commitment
This page is an editorial profile written from our brokerage’s perspective. We are not employed by TD Canada Trust and receive no payment from TD Canada Trust for this content. We compensate-disclose: on A-lender files the lender pays our brokerage compensation, and we earn the same regardless of which A-lender funds your file — so our recommendations are rate-agnostic. Rates and program details are reviewed quarterly; last reviewed May 13, 2026.
Pillar guides relevant to TD Canada Trust files
In-depth playbooks paired with the product types TD Canada Trust funds. Free, no email required.
The single most-downloaded guide we publish. Pre-approval to closing day, the full FHSA + RRSP HBP + FTHB stack, the stress test in plain English, and the 6 documents you'll actually need to qualify.
70% of Canadians renew with their bank at the rate they're first quoted. This guide is the alternative — a 5-day playbook for 120 days before maturity that, on average, saves clients $4,200 over a 5-year term.
Refinancing isn't always a win. This guide gives you the spreadsheet we use internally: penalty + fees vs. monthly savings + break-even, with three worked scenarios (rate drop, debt consolidation, equity take-out).
BFS, sole prop, T1 General income, dividend-only, retained earnings — every income story has a lender that fits. This guide maps out which lenders fit which file, what documents you'll need, and how add-backs work.
Browse other lender tiers
Same broker. Different lender appetite.