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Mortgage Pre-Approval


Why apply for a mortgage pre-approval?

A mortgage pre-approval is an important part of the home buying process. If you are pre-approved, it means that a lender has stated that you qualify for a mortgage loan based on the information you have provided, and subject to certain conditions. A mortgage pre-approval often specifies a term, interest rate and principal amount. Although not a required step, it is helpful as it can give you a clearer picture of how much house you may be able to afford.


Online Mortgage Pre-Approval

Get an online pre-approval to know how much you may be able to afford and start your house hunt with confidence.

  • Immediate response to your online application
  • No impact on your credit score when you submit your application online
  • Holds your mortgage rate for 120 days

Complete online, anytime, anywhere, in just five easy steps.

The TD 120-day rate hold

  • Once you have your pre-approval, we’ll hold your interest rate for the next 120 days subject to all the conditions.
  • If the interest rate on the term chosen in your pre-approval goes up, we will hold the rate we pre-approved you for if you meet all other conditions.
  • If the interest rate goes down during this time, you can ask to have your pre-approved interest rate adjusted to reflect the lower current rate.

What to bring to your in-branch pre-approval meeting

We want you to be ready for the pre-approval process and being prepared will help. For your meeting, you should plan to bring the following:

  • Current address
  • Previous address (if current address is less than 3 years)
  • Current employment information (e.g. employer's address, telephone number)
  • Previous employment information (if current employment is less than 3 years)
  • Sources of verifiable income (e.g. pay stub, employment letter, bank statement confirming direct deposit, investment statement)
  • If self-employed, the last 2 years Notice of Assessments from your Income Tax return
  • Value of properties, automobiles, investments, and savings
  • Most recent statements for mortgages, loans and lines of credit
  • Most recent credit card statements
  • Estimated value of your home
  • Housing expenses (e.g. property tax, annual condo fee, heating costs)
  • Financial information for your co-borrower, if applicable
  • Social Insurance Number (optional)






New to Canada?

Some other things that will also be considered in your pre-approval process, is your credit score or whether you’re new to Canada. You may also qualify for a TD Mortgage even if you have no credit history1 if:

  • You are a Permanent Resident or have applied to become a Permanent Resident in Canada
  • And you have been in Canada for 5 years or less

Other useful information

Buying a Home?

Let us help guide you through your home buying journey.

Mortgage Basics

Say goodbye to confusion with this easy mortgage basics guide.

Online mortgage application

Found your dream home? Submit your TD mortgage application online. It’s simple, secure and convenient to use.


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