TD Bank Mortgage Rates
Scotiabank Mortgage Products Available with Xperto
Purchase of a property - Rental building or condominium
Mortgage renewal
Refinancing (e.g.: projects, debts)
FlexCredit (home equity line of credit)
Mortgage for self-employed worker
Open or closed variable-rate mortgage -
6-month convertible
Solutions for everything
Why go through Xperto instead of directly through TD Bank?
Simple - Fast - Effective
Steps for a TD mortgage pre-approval
First Step
Budget analysis with Xperto
Second Step
Collecting the required documents
Third Step
Sending the request to TD - Locking the rate for up to 120 days
Fourth Step
Receiving your borrowing capacity
Our Advantages
Why go through Xperto instead of directly through TD?
No pressure
Free Service
One for All
Time saving
TD Bank Mortgage Rate Comparison (2025)
| Term | Posted TD Bank Rate | Rate Negotiated with Xperto |
|---|---|---|
| 5-year fixed rate | 5.39% | up to 4.99% |
| 5-year closed variable rate | 6.15% | up to 5.79% |
| 3-year fixed rate | 5.29% | up to 5.05% |
*Rates vary according to your profile. Contact us for a personalized simulation.
Each has its own advantage
Fixed rate or variable rate
What to choose with TD Bank?
Our brokers will advise you based on your priorities: stability, potential savings, or flexibility.
Taux fixe
Variable rate
We guide you through every step
Required documents to start an application
All these papers can be scary… but not with us.
With Xperto, every step is explained, simplified, and above all, supported with you.
Identity document
Purchase offer (or property details)
Pay stubs or notice of assessment
Down payment (bank proof)
Property tax statements
Credit score
Leases and rental income (if applicable)
What our clients say
Professional, devoted and always here for you, this is in breef my experience with Xperto Mr.Antoine feghali and Mme Bahaa Bou Aboud, keep up the good work guys!
Great collaboration with Domenico. My case wasn’t the easiest, but Domenico was able to find a solution! My family and I thank you again for allowing us to purchase our duplex! 100% recommended!
I would like to express my great satisfaction with our Mortgage Broker, Antoine Geha. He offered us the best mortgage options tailored to our situation. I truly appreciate his clear and transparent communication throughout the process, his negotiation skills, and his follow-up even after the closing of our purchase. In summary, I highly recommend Antoine Geha and the Xperto mortgage firm.
FAQ on TD Bank mortgages
Yes. You can convert to a TD fixed-rate loan at any time, free of charge. The chosen term must be equal to or shorter than the remaining period of the initial term.
TD generally applies the Interest Rate Differential (IRD) method or three months of interest, whichever is higher. The amount depends on your initial rate, remaining balance, and time left in the term. We can help you estimate it before you take any action.
Yes, the TD Home Equity FlexLine allows you to borrow up to 80% of your home’s value. It’s a flexible solution, ideal for financing renovations, projects, or consolidating debts.
You can:
- Increase your payments by up to 100% once a year
- Pay off up to 15% of the original principal each year without penalty
Open mortgages allow for repayments at any time.
Yes, with specific requirements:
- Notices of assessment from the last 2 to 3 years
- Tax returns
- Financial statements (if needed)
Xperto helps you build a strong application.
Yes. You will need to provide existing leases and a statement of the property’s income and expenses. Certain conditions apply depending on whether you occupy the dwelling or not.
Yes. You can go through the TD website or, even better, through Xperto, to get impartial advice and compare with other institutions.
It’s the basis for calculating variable rates and other products (cards, loans, lines of credit). Your rate might be expressed as “prime rate – 0.50%.”