TD mortgage rates
TD's lowest 5-year fixed rate on its own website was 5.39% (not split by down payment) when we read it on Nov 1, 2026. Its posted 5-year rate was 6.14%, 0.75 points higher. Its lowest variable was 4.54%. The lowest comparable rate we collected anywhere was 4.59% at ATB Financial.
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 6-month | — | 5.54% | — | — | $3,063.61 |
| 1-year | — | 5.69% | — | — | $3,107.48 |
| 2-year | — | 5.39% | — | — | $3,020.02 |
| 3-year | 5.24% | 6.15% | 0.91 pts | $2,976.71 | $3,243.75 |
| 4-year | — | 5.99% | — | — | $3,196.06 |
| 5-year | 5.39% | 6.14% | 0.75 pts | $3,020.02 | $3,240.76 |
| 6-year | — | 6.29% | — | — | $3,285.72 |
| 7-year | — | 6.40% | — | — | $3,318.87 |
| 10-year | — | 6.80% | — | — | $3,440.56 |
| TD special | 5.39%read Nov 1, 2026 |
|---|---|
| TD posted | 6.14% |
| Mortgage | $500,000, 25 years, 5-year term |
| Monthly payment, lower → higher rate | $3,020.02 → $3,240.76 |
| Interest difference over 5 years | $18,107 |
Open this example in the calculator →Computed Nov 2, 2026.
All TD rates we collected
| Term | Type | Insured | Kind | Rate | Fine print | Source |
|---|---|---|---|---|---|---|
| 6-month | Fixed | Not split | posted | 5.54% APR 5.75% | Convertible. | page |
| 1-year | Fixed | Not split | posted | 5.69% APR 5.79% | page | |
| 2-year | Fixed | Not split | posted | 5.39% APR 5.44% | page | |
| 3-year | Fixed | Not split | special | 5.24% APR 5.28% | Special rate discounted off the posted rate; new first-priority mortgages (TD footnote 2). | page |
| 3-year | Fixed | Not split | posted | 6.15% | page | |
| 4-year | Fixed | Not split | posted | 5.99% APR 6.02% | page | |
| 5-year | Variable | Not split | special | 4.54% prime − 0.31 APR 4.56% | Based on the TD Mortgage Prime Rate (4.85%). | page |
| 5-year | Fixed | Not split | special | 5.39% APR 5.41% | Special rate discounted off the posted rate; new first-priority mortgages (TD footnote 2). | page |
| 5-year | Fixed | Insured | special | 5.39% APR 5.41% | High-Ratio: less than 20% down, purchasing a residential property valued under $1,500,000 (TD footnote 4). | page |
| 5-year | Fixed | Not split | posted | 6.14% | page | |
| 6-year | Fixed | Not split | posted | 6.29% APR 6.31% | page | |
| 7-year | Fixed | Not split | posted | 6.40% APR 6.42% | page | |
| 10-year | Fixed | Not split | posted | 6.80% APR 6.81% | page |
Highlighted rows are the lowest special or advertised rate for that term and type among the rows shown. * = the lender's own prime rate plus its stated spread. Collected Nov 2, 2026; check the lender's page before relying on any rate.
Prepayment and penalties
We didn't find TD's penalty method on the pages we read. It's in your mortgage contract's information box.
“Pay up to 15% of the principal amount on a closed mortgage annually, or 100% on an open mortgage, without prepayment charges.” Source
Check a TD posted-rate IRD · full penalty calculator on BankMortgages.ca
About this lender
Bank lending across Canada. Prime rate 4.85% as stated on its site (as of Nov 1, 2026).
TD's variable rates are based on the TD Mortgage Prime Rate (4.85% on November 1, 2026), which is separate from TD's prime rate. Pre-approvals come with a 120-day rate hold.
MortgageRateToday.ca isn't affiliated with TD and isn't paid by any lender.
Frequently asked questions
What is TD's 5-year fixed mortgage rate?
On Nov 2, 2026, TD's own website showed 5.39% (special/advertised) for a 5-year fixed and a posted 5-year fixed rate of 6.14%. Rates change often; check the lender's page.
What is TD's variable mortgage rate?
The lowest closed variable rate on its page was 4.54% (prime − 0.31) for a 5-year term, with TD's prime at 4.85%.
What prepayment privileges does TD offer?
Pay up to 15% of the principal amount on a closed mortgage annually, or 100% on an open mortgage, without prepayment charges. (from TD's website).