Skip to main content
Mortgage Squad Advisors
TD Canada Trust logo TD Canada Trust · Big-6 Bank

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 100+ lenders so you get the best fit, not just one bank’s sheet.

Rates as of Jun 16, 2026 · source: live network feed. Personalized rate depends on your file. O.A.C.
Lender type
Big-6 Bank
Headquarters
Toronto, ON
Established
1855
Products
5+ types
5-year fixed
3.94%
Best in our network
5-year variable
3.60%
Best in our network
3-year fixed
3.84%
Best in our network
TD Canada Trust rates across terms — broker-channel best
Term
Type
Rate
APR
0.5-year fixed
Fixed
5.49%
5.49%
Apply
2-year fixed
Fixed
4.34%
4.34%
Apply
3-year variable
Variable
4.01%
4.01%
Apply
Broker-channel best per term. Your file sets the final rate. O.A.C.

How TD Canada Trust’s broker-channel pricing works

Most Canadian lenders, TD Canada Trust included, run two rate sheets: a posted/branch rate quoted to walk-in customers, and a wholesale broker-channel rate offered through licensed mortgage brokers. The broker rate is usually 15-30 bps lower because the broker handles origination, document collection and file packaging — work the lender would otherwise pay branch staff to do.

You can’t access the broker rate by walking into a TD Canada Trust branch — only a licensed brokerage can submit to their broker desk. We do exactly that, then put the same file in front of 100+ other lenders so TD Canada Trust’s offer is benchmarked against the whole market. On a $600,000 mortgage, 20 bps is roughly $1,200 a year in interest — real money over a 5-year term.

Where TD Canada Trust is strong
  • Collateral-charge mortgages
  • Self-employed full-doc
  • Rate-match retention
  • 120-day rate hold
Products TD Canada Trust funds
PurchaseRenewalRefinanceHELOCSelf-employed
Full TD Canada Trust reviewBest 5-yr fixed Full live boardPayment calculator

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).
What's the difference between TD Canada Trust's posted rate and the broker rate?
The posted (or "special offer") rate is what you see advertised or quoted in a branch. The broker-channel rate is the wholesale pricing TD Canada Trust offers through licensed brokers — usually 15-30 bps lower because the broker does the origination work. You can only access it through a broker; we submit your file directly to TD Canada Trust's broker desk.
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 rate?
Sometimes. TD Canada Trust is strong for certain files, but another of our 100+ lenders may price your specific situation better. We compare TD Canada Trust against the whole network on one application — you get TD Canada Trust's best and the market's best, then choose.
Can I switch to TD Canada Trust at renewal?
Yes — switching to TD Canada Trust at maturity is usually penalty-free, and a straight transfer often skips the stress test. We handle the paperwork and confirm TD Canada Trust's renewal/switch pricing against the rest of the market so you don't auto-renew at a higher rate.
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.

Get TD Canada Trust’s best rate — and 100+ others.

One application, no bureau pull to begin. We submit to TD Canada Trust and shop the whole network for your file.

Compare other lenders’ rates
RBC Royal Bank ratesScotiabank ratesBMO Bank of Montreal ratesCIBC ratesNational Bank of Canada ratesCanadian Western Bank ratesLaurentian Bank ratesTangerine ratesMCAP ratesFirst National ratesRFA Mortgage Corporation ratesMerix Financial ratesCMLS Financial ratesManulife Bank rates