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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.

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)



Learn more about borrowing


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TD Lines of Credit

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Personal Loans

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TD Line of Credit Critical Illness and Life Insurance

In case of the unexpected, get flexible protection for your line of credit obligations.

Legal

1 Subject to the terms of your Line of Credit Agreement or any applicable holds that may have been placed on the funds deposited.

2 Available when TD Canada Trust Investment Secured Line of Credit is programmed on your TD Access Card. Fees may apply for Interac® access and the use of other ATMs.

Interac is a registered trade-mark of Interac Corp. Used under licence.


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