TD Canada Trust · 4-Year FixedTD Canada Trust 4-year fixed mortgage, compared.
TD Canada Trust isn’t posting a broker-channel 4-year fixed on our rate board today — the best 4-year fixed across our network is 4.14%. We get TD Canada Trust’s broker pricing — typically 15-30 bps below posted — and compare it across 100+ lenders.
How does TD Canada Trust’s 4-year fixed compare?
TD Canada Trust isn't currently posting a broker-channel 4-year fixed on our rate board, so the rate above is the best 4-year fixed across our 100+ lenders — not TD Canada Trust's own. For this term we shop your file across the full shelf, TD Canada Trust included, and bring back the sharpest fit.
The trade-off, and what drives the rate
The trade-off. You give up the broad availability of the 5-year in exchange for an occasionally sharper, slightly shorter lock.
What drives the rate. Priced between the 3- and 5-year bonds, the 4-year fixed is offered by fewer lenders, which means the handful who promote it can be unusually competitive on it. The right lender mix is everything for this term.
What would my payment be with TD Canada Trust?
About $2,988/month. On a $700,000 home with 20% down, the mortgage is $560,000. That’s at the network’s best 4-year fixed rate of 4.14% over a 25-year amortization. At TD Canada Trust’s consumer rate (~15-30 bps higher) the same mortgage costs $50-100 more a month. Model your numbers in the TD Canada Trust calculator.
| Term | Best rate | Est. monthly payment* |
|---|---|---|
| 5-Year Fixed | — | — |
| 5-Year Variable | — | — |
| 3-Year Fixed | — | — |
| 3-Year VariableLowest | 3.97% | $2,937/mo |
| 2-Year Fixed | — | — |
| 1-Year Fixed | — | — |
| 4-Year Fixed | — | — |
| 7-Year Fixed | — | — |
| 10-Year Fixed | — | — |
What a 4-year fixed with TD Canada Trust means in practice
The fact that shapes a 4-year fixed at TD Canada Trust is registration: TD registers most mortgages as a collateral charge. That brings a real benefit — later credit increases at TD can happen without re-registering — but it also changes the exit. A collateral charge can't simply be assigned to a new lender, so moving away from TD when this 4-year fixed matures in 4 years can mean a discharge and re-registration (roughly $1,000 in legal fees) rather than a free switch.
More on TD Canada Trust's 4-year fixed: penalties, privileges and programs
For a mid-term break, TD calculates fixed-rate penalties using its posted-rate IRD (we model TD's representative 5-year posted rate at 6.79%). A 4-year term shortens the window, so by the back half of the term the three-months'-interest floor is often the figure TD actually charges.
TD's annual privilege on our table: 15% of the original principal as a lump sum each year, plus the right to double payments. On a $560,000 mortgage that allows up to $84,000 a year, and every dollar used is a dollar TD's IRD can't be charged on if you break later.
TD is often the right fit when its retention habits suit you: it competes on rate-match when you shop, can hold a rate for up to 120 days while you buy, and is known for sending renewal letters with one of the longest lead times. It is also broad on self-employed files with full documentation.
Against the other Big-6. On a 4-year fixed, all six big banks use posted-rate IRD, so the method won't separate TD; its representative posted rate (6.79%) is the same figure we model for BMO and National Bank. On prepayment TD sits mid-pack at 15% plus double-up — the others: RBC and CIBC (10% lump sum plus double-up), Scotiabank (15/15), BMO (20/20), National Bank (15% lump sum plus double-up).
How does TD Canada Trust price the broker channel?
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's rate sheets and strengths
TD Canada Trust runs a consumer 4-year fixed sheet and a wholesale broker-channel sheet, usually 15-30 bps lower — on a $700,000 mortgage, 20 bps is roughly $1,400 a year.
- Collateral-charge mortgages
- Self-employed full-doc
- Rate-match retention
- 120-day rate hold
Why get TD Canada Trust’s 4-year fixed through a broker?
Because the rate TD Canada Trust quotes you directly is rarely its best 4-year fixed. We can help you save money.
Access the broker channel
TD Canada Trust's broker-channel 4-year fixed rate is typically 15-30 bps below the rate you would be quoted directly — and you can only reach it through a licensed brokerage like ours.
Switch or renew without overpaying
At maturity we benchmark TD Canada Trust's renewal/switch offer against the whole market so you never auto-renew high.
Bring us a written offer from a big bank. We’ll try to beat it. If we can’t, we pay you $500. Conditions apply. See the conditions
Whatever your situation with TD Canada Trust
We submit to TD Canada Trust’s broker desk and 100+ other lenders on one application — whichever prices your file lowest wins.
First-time buyers
5% down with FHSA + RRSP HBP optimization — TD Canada Trust or whichever lender prices you lowest.
Refinancing
Tap your home equity for renovations, debt consolidation or investing.
Renewing
Don't auto-renew with TD Canada Trust — but check whether it's collateral-charged before switching, since that decides the cost of moving.
Self-employed
Business-for-self files priced right across A-lender, alt-A and private.
Bruised credit
B-lender and private paths now, with a mapped exit back to A-pricing.
Breaking a TD mortgage
Estimate the TD Canada Trust posted-rate IRD penalty before you switch.
TD Canada Trust 4-year fixed rate — FAQ
What is TD Canada Trust's 4-year fixed mortgage rate today?
The best 4-year fixed across our 100+ lender network is approximately 4.14% as of Oct 24, 2026. As an FSRA-licensed brokerage we quote TD Canada Trust's broker-channel sheet, typically 15-30 bps below its consumer rate. Your exact rate depends on your file.
Is a TD Canada Trust 4-year fixed registered as a collateral charge?
Usually, yes — TD registers most mortgages as a collateral charge. That lets TD extend more credit later without re-registering, but a collateral charge can't be assigned to another lender, so leaving at the end of your 4-year fixed can mean a discharge and re-registration (roughly $1,000 in legal fees) instead of a free switch. We check the charge type before recommending a move.
What prepayment privileges come with a TD Canada Trust 4-year fixed?
For TD Canada Trust, our privilege table records 15% of the original principal as a lump sum each year, plus the right to double payments. On a $560,000 mortgage that allows up to $84,000 a year in lump sums. Prepaying within the allowance also lowers the balance a later break penalty is calculated on. The exact privilege is set in your commitment letter.
How does breaking a TD Canada Trust 4-year fixed work?
Standard fixed-term math (the greater of three months' interest or IRD), sitting between the 3- and 5-year in penalty size. TD calculates fixed-rate penalties using its posted-rate IRD and registers most mortgages as a collateral charge, which can add a discharge step when you switch. Estimate it with the TD Canada Trust penalty calculator; TD Canada Trust's written payout statement is the binding number.
Can I get a lower 4-year fixed rate than TD Canada Trust's?
Sometimes. Another of our 100+ lenders may price your specific 4-year fixed better — we put TD Canada Trust and the rest of the network on one application, then you choose.
Get TD Canada Trust’s best 4-year fixed — and 100+ others.
One application, no credit pull to begin. We submit to TD Canada Trust and shop the whole network for your file.