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Move your mortgage to TD

Why a TD Mortgage makes more sense

  • Personalized advice

    Get advice from TD Mortgage Direct fast. We’re also here to connect you with a TD Mortgage Specialist to answer your questions about switching your mortgage.

  • Simple process

    Our specialists make it easy. They’ll guide you through the journey, deal with your current lender and help you with the application.

  • Product options

    Consider an alternative to a traditional mortgage, like a TD Home Equity FlexLine. The benefit is you gain reusable access to credit1, that you can use for home renos, purchases, and more.

  • Flexible mortgage payment features

    TD Mortgages have flexible payment options and that can help you prepare for the unexpected. Whether you’re having a baby or your financial needs grow and change over time, TD Mortgages help you prepare for the unexpected with a range of flexible payment features to suit you.

Why a TD Mortgage makes more sense

  • Personalized advice

    Get advice from TD Mortgage Direct fast. We’re also here to connect you with a TD Mortgage Specialist to answer your questions about switching your mortgage.

  • Simple process

    Our specialists make it easy. They’ll guide you through the journey, deal with your current lender and help you with the application.

  • Product options

    Consider an alternative to a traditional mortgage, like a TD Home Equity FlexLine. The benefit is you gain reusable access to credit1, that you can use for home renos, purchases, and more.

  • Flexible mortgage payment features

    TD Mortgages have flexible payment options and that can help you prepare for the unexpected. Whether you’re having a baby or your financial needs grow and change over time, TD Mortgages help you prepare for the unexpected with a range of flexible payment features to suit you.

Want to move your mortgage to TD? See how

  • 1

    Request a call from TD Mortgage Direct

    Get matched with a TD Mortgage Specialist to discuss your goals and explore options that may suit your needs.

  • 2

    Provide your documents

    Start the application by submitting the necessary documents, such as proof of income, property details, and your current mortgage statement.

  • 3

    We'll take care of the rest

    Once your application is approved, TD will handle the transfer, ensuring a smooth transition with minimal effort on your part.


Thinking of moving your mortgage? Here are some things to consider

  1. How can you save money and pay off your mortgage faster?

  2. Is now a good time to use some of the equity in your home to finance other needs such as a renovation, education, or debt consolidation?

  1. Which term makes the most sense for you?

  2. Should you choose a fixed or variable interest rate mortgage?

When moving your mortgage is right for you

There are different reasons for switching mortgage lenders, whether you are looking to refinance to access more equity, explore solutions to reduce your payments or are considering services outside of those offered with your current lender. Whatever the reason, a TD Mortgage Specialist is here to help you find the right solution to move your mortgage.

Our Special Mortgage Rates

Term

3 Year Fixed Closed

%
(Posted Rate: %)

%

5 Year Fixed Closed

%
(Posted Rate: %)

%

5 Year Fixed Closed High-Ratio4

%
(Posted Rate: %)

%

5 Year Variable Closed5

(TD Mortgage Prime Rate
%)
(Posted Rate: TD Mortgage Prime Rate)

%

TD Mortgage Prime Rate is %


Frequently asked questions

A fixed interest rate stays the same throughout the term you choose for your mortgage. With a variable rate mortgage, the interest rate can go up or down depending on the TD Mortgage Prime Rate. If you want more certainty, a fixed rate mortgage might be right for you. Variable rate mortgages are more popular when interest rates are falling.


You can start the process any time, but we recommend you start exploring options around 4 months (120 days) before the maturity date to give yourself enough time. Just talk to a TD Mortgage Specialist. They can help you find the right mortgage option – and take care of the rest.


As a homeowner, you may be able to unlock the value of your equity and borrow through a home equity line of credit (HELOC) like the TD Home Equity FlexLine, for things like renovation or debt consolidation. When to do it, however, is a personal choice. Like any other credit product, it depends on your goals and your ability to repay that additional debt. As always, a TD Mortgage Specialist can help answer your questions.


With a TD Mortgage, you’ll have the flexibility that may fit your needs and you could save on interest. You can move to rapid weekly or bi-weekly payments. Plus, you can increase your payment amount and make lump sum payments. On the other hand, you’ll have the flexibility to slow down and you can even request to pause some payments temporarily if you need to. Learn more by visiting our Flexible Mortgage Payment Features page.



Let's connect

  • TD Mortgage Direct

    Answer a few questions and we'll call you to match you with a TD Mortgage Specialist.

  • Book an appointment

    Visit a branch at a time that’s convenient for you.

Have a question? Find answers here