Tell us about your borrowing goal.

Borrow Better for home improvements

  • Your home is more than bricks and mortar. It’s a place of comfort, security, and love. Making your home the way you want it often takes more money than you have on hand. To request financing for home improvements, talk to TD about a loan or line of credit.

Why borrow for your home?

  • Renovations

    A new kitchen, bathroom or finished basement can be very expensive. With a loan or line of credit, you won’t have to wait to make your renovations happen.

  • Repairs

    If your roof is leaking or your furnace fails, repairs can’t wait. Borrowing makes emergencies much easier to handle.

Borrow Better to become debt-free sooner

TD has several ways to help manage your debt.

  • Borrow only what you need right now.

    • Available for: consolidating debt or making large purchases
    • You can borrow1: $5,000 to $50,000
    • Repayment: Flexible repayment periods from a minimum of 1 year to a maximum of 7 years.

  • Use and re-use credit2 with just one application.

    • Available for: consolidating debt or handling ongoing expenses
    • You can borrow1: $5,000 to $50,000
    • Repayment: As you pay back what you’ve used, the credit becomes available to you again2

  • Your home can be a powerful financial borrowing tool

    • Available for: paying off large expenses or renovating your home
    • You can borrow: up to 80% of your home value3
    • Repayment: minimum interest-only payments

  • Use your eligible investments to secure a Line of Credit

    • Available for: managing debt
    • You can borrow1: $5,000 to $200,000
    • Repayment: Choose how much you repay. Interest only payments or any amount up to the entire balance with no prepayment charge.

Personal Loan/Line of Credit Calculator

Use our Personal Loan and Line of Credit Payment Calculator to see what your payments could be.


Legal

1 Subject to approval
2 Subject to the terms of the agreement
3 Subject to TD Canada Trust credit criteria and any prior outstanding mortgage, charges or liens


Contact us

  • Book an appointment

    Meet with a banking specialist at a branch that is most convenient for you.

  • Call us

    Our banking specialists are ready to answer your questions and assist you with your borrowing needs.

    1-866-222-3456 1-866-222-3456
  • Locate us

    Speak with a branch specialist at the branch closest to you.

Have a question? Find answers here