Borrow Better with a TD Investment Secured Line of Credit

Eligible investments serve as collateral, offering a lower interest rate than would be charged on an unsecured line of credit.

Why apply for an Investment Secured Line of Credit?

  • Get more value from your investments

    You’ll have ready access to the funds you need without compromising your investment strategy.

  • Use and reuse your credit1

    As you pay back any funds you’ve used, that credit becomes available to you again, without the need to reapply for approval.

  • Choose how much you repay

    Pay as little as the interest that’s due, or as much as the full balance — with no prepayment charge.

  • Convenient access

    Access your credit through your TD Access Card2, cheques and EasyWeb Online banking.

What to know about an Investment Secured Line of Credit

  • How is interest charged?

    We charge a competitive variable interest rate that’s based on the TD Prime Rate.

  • Are there risks to using investments as collateral?

    Yes. If the market value of your pledged securities drops below certain levels, you may be asked to pay down the line of credit or pledge additional securities to maintain it.

Personal Loan/Line of Credit Calculator

Compare what you might be paying with a loan vs. a line of credit.

What you'll need to bring

  • If using a TD Wealth investment as security, please contact your Advisor
  • Details of Investment security (Investment statement)
  • Confirmation of your annual income (Source and amount)

Frequently Asked Questions

We offer four main types of Lines of Credit.

Personal Line of Credit
This helps with everyday spending and major purchases, too.

Student Line of Credit
Get the funds you need to cover the costs of a post-secondary education.

Investment Secured Line of Credit
Use your eligible investments as collateral to borrow at a lower interest rate vs. an unsecured line of credit.

TD Home Equity FlexLine
With your home as collateral, you’ll pay less in interest than with a personal line of credit.

A line of credit is a source of readily available credit that is there for you to use whenever you want, for whatever you want. There is no need to reapply each time you wish to access the funds. As you pay off any credit that you have used, it becomes available again.

A personal loan is a source of credit for a fixed amount that allows you to make fixed monthly payments over a predetermined period of time. You can choose from a wide range of terms to make the payments fit your budget -- the longer the term, the lower your monthly payment. A loan gives you the peace of mind that comes with knowing exactly how much you will pay each month.

Learn more about borrowing

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How to apply for an Investment Secured Line of Credit

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