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The Best Mortgage Rates from TD

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TD Mortgages Overview

Prior to selecting your mortgage, a TD mortgage specialist can help you make the correct choice by assessing your budget and future goals. TD has extended hours at many branches so visiting a TD Mortgage Specialist at your local branch should be no problem. If you are unable to find the time, TD has a team of mobile specialists who will come to you instead.

All TD mortgages are available as conventional (more than 20% down payment) or high-ratio (less than 20% down payment) when buying a home.

TD lets you choose the frequency and duration of your mortgage payments. Choose from weekly, bi-weekly, rapid bi-weekly, semi-monthly, rapid semi-monthly or monthly, depending on your individual circumstances.

Several options are available to help you increase or decrease your amortization period:

  • You can increase the frequency of your individual payments at any time.
  • You can increase the amount of your payments, once per year, by up to 100 percent of your regular payment amount.
  • You can make a lump sum payment of up to 15% of the total principal amount borrowed, once per year, without any prepayment fees.
  • You can take an emergency break from your payments (equivalent to one monthly payment), once per year, up to a maximum of four times during your amortization period.
  • If you have prepaid an amount that has reduced your amortization period (either by increasing the frequency of payments or by making a lump-sum payment), you can later request a break of up to four months from making payments.


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Whether you’re a First Time Home Buyer or buying your second, third or fourth home, it pays to compare mortgage rates with Ratesupermarket.ca.

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