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Found your dream home? Now you can submit your TD Mortgage application online. It’s simple, secure and convenient to use. TD offers competitive interest rates online, and once approved, we’ll even hold your rate for 120 days.
You can complete a TD Mortgage online application at your convenience, from wherever you are. The Personalized Dashboard makes it easy to track your progress, and you can even apply with a co-borrower.
Have a question or need help along the way? TD Mortgage Specialists are available at every step to guide you through the process.
Once your application is submitted, a TD Mortgage Specialist will contact you within 24 hours to review your application and discuss next steps.
- Your status
All individuals on the mortgage must be either a Canadian citizen or have been approved for permanent residence status in Canada.
- Your mortgage options
You’ll be asked about the property closing date, down payment source, and what mortgage option suits your needs. Change your options to see how they affect mortgage payments.
- Your new home
You must intend to live in this home for most of the year.
- Property details
You will need to provide the full address of the property you’d like to purchase, along with the MLS Realtor Listing and the Purchase and Sale Agreement.
- Your employment and income
You will need to upload at least one document confirming your employment status and income.
- Your assets and liabilities
You’ll be asked to provide a list of assets to get a better view of your financial situation. You will also verify any liabilities gathered through a credit check.
- Age of majority
You will be asked to confirm age of majority where your new home is.
- Co-borrower options
You can invite one co-borrower to submit your mortgage application with. They will be invited to create their own personalized login to complete the application.
Down payment: how much should you save?
A down payment is your key to becoming a homeowner. See how the size of your down payment will impact your mortgage.
The right mortgage interest rate for you
Explore our mortgage solutions from closed or open mortgages with fixed or variable rate options to find the right mortgage rate for you.
First-time home buyer?
Find tips and tools to help you understand the stages in purchasing your first home.
The value of TD Mortgage Protection
Wondering what coverage options are available for your mortgage? Learn how TD Mortgage Protection can help protect one of your biggest financial investments: your home.
Mortgage Stress Test
Whether you’re buying a home or refinancing, get the facts about how the mortgage stress test may affect you.
Prohibition on the Purchase of Residential Property by Non-Canadians Act
As of January 1, 2023, TD is only able to lend mortgage monies to Canadian Citizens, Permanent Residents, or Indians as defined under the Indian Act, or other persons as set out in the Act. Please contact your lawyer/notary for any questions.
- A mortgage pre-approval is for when you start shopping for a home. Although it’s not a required step, it’s helpful before you start searching, because it provides a clearer picture of how much you may be able to afford. Once approved, TD will hold your interest rate for 120 days subject to conditions. Learn more about a TD Mortgage Pre-Approval.
- A mortgage application is for when you have found a home. It is needed when you have a purchase and sale agreement and you're ready to get a mortgage.
1 Incomplete applications expire after 30 days.