TD Canada Trust
TD Canada Trust mortgage rates — and how to beat the posted rate.
TD Canada Trust’s broker-channel rate is typically 15-30 bps below the rate you’d see walking into a branch. We access it as an FSRA-licensed brokerage — and compare it against 50+ lenders so you get the best fit, not just one bank’s sheet.
Rates as of May 13, 2026 · source: editorial rate registry. Personalized rate depends on your file. O.A.C.
5-year fixed
4.19%
Best in our network
5-year variable
4.04%
Best in our network
3-year fixed
4.39%
Best in our network
About TD Canada Trust (a broker’s view)
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.
- Collateral-charge mortgages
- Self-employed full-doc
- Rate-match retention
- 120-day rate hold
TD Canada Trust mortgage rates — FAQ
What are TD Canada Trust's mortgage rates today?
Lenders run two rate sheets — the posted/branch rate and the broker-channel rate. As an FSRA-licensed brokerage we access TD Canada Trust's broker-channel pricing, typically 15-30 bps below their posted rate. Your exact rate depends on your file (income, credit, LTV, property).
Is TD Canada Trust a good mortgage lender?
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.
Can I get a lower rate than TD Canada Trust's posted rate?
Usually, yes. TD Canada Trust's broker-channel rate is typically lower than the walk-in rate, and we also compare TD Canada Trust against 50+ other Canadian lenders — sometimes another lender prices your specific file better. We shop all of them on one application.
Does TD Canada Trust offer rate holds?
Yes — like all major Canadian lenders, TD Canada Trust offers rate holds (typically 90-120 days) for pre-approved borrowers. We can submit your file to TD Canada Trust for a real underwritten pre-approval.
How do I apply for a TD Canada Trust mortgage?
Through a licensed broker you reach TD Canada Trust's broker channel directly. Start a no-obligation application with Mortgage Squad Advisors (FSRA #13737) and we'll submit to TD Canada Trust — and compare it against the rest of the network — with no bureau pull to begin.