TD Bank Mortgage
Canadian homebuyers wanting a major bank with flexible prepayment options and specialist-guided advice.
U.S. borrowers, or anyone needing transparent published rates before speaking to a banker.
This submission is a fundamental mismatch for SwitchWize's U.S. rate-comparison platform on two levels. First, the product page is from TD Canada Trust — a Canadian institution operating under Canadian mortgage regulations, the OSFI stress test, and CDIC deposit insurance. It is not the U.S.-chartered TD Bank, National Association (FDIC cert 18409, Wilmington, DE), which does originate U.S. mortgages. Second, every rate field on the page rendered as a blank placeholder — no actual interest rates, APRs, or TD Mortgage Prime Rate were captured. This means no meaningful rate comparison against the U.S. mortgage category average or Fed Funds Rate (currently 3.63%) is possible. SwitchWize's database does not carry a VERIFIED_APY for this submission, consistent with the empty page data. Until a properly scraped U.S. TD Bank mortgage rate page is submitted, this product cannot be ranked, scored, or compared. Recommend flagging for re-scrape against td.com/us or the U.S. TD Bank mortgage portal, and confirming whether the target product is a fixed-rate, ARM, or HELOC before resubmission.
Request a Loan Estimate (federal form) to compare the full APR, not just the rate. Confirm all origination fees and closing costs.
Jun 13, 2026
SwitchWize Research Desk · methodology
- No monthly maintenance fee
- FDIC insured up to $250,000
| Loan Type | APR |
|---|---|
| 30-Year Fixed | 6.39% |
| 15-Year Fixed | 5.77% |
Call TD Mortgage Direct or book a branch appointment online. A TD Mortgage Specialist will match you to a product and provide live rates. Pre-approval can lock a rate for 120 days.
This submission is a fundamental mismatch for SwitchWize's U.S. rate-comparison platform on two levels. First, the product page is from TD Canada Trust — a Canadian institution operating under Canadian mortgage regulations, the OSFI stress test, and CDIC deposit insurance. It is not the U.S.-chartered TD Bank, National Association (FDIC cert 18409, Wilmington, DE), which does originate U.S. mortgages. Second, every rate field on the page rendered as a blank placeholder — no actual interest rates, APRs, or TD Mortgage Prime Rate were captured. This means no meaningful rate comparison against the U.S. mortgage category average or Fed Funds Rate (currently 3.63%) is possible. SwitchWize's database does not carry a VERIFIED_APY for this submission, consistent with the empty page data. Until a properly scraped U.S. TD Bank mortgage rate page is submitted, this product cannot be ranked, scored, or compared. Recommend flagging for re-scrape against td.com/us or the U.S. TD Bank mortgage portal, and confirming whether the target product is a fixed-rate, ARM, or HELOC before resubmission.
What is the difference between a mortgage interest rate and APR?
The interest rate is what the lender charges to borrow the principal. APR (annual percentage rate) folds in lender fees, origination charges, and points into one comparable number. Always compare APR when shopping lenders — a low rate with high fees can cost more than a slightly higher rate with lower fees.
What credit score do I need to qualify?
Most conventional mortgages require a minimum 620 FICO score; FHA loans allow as low as 580 with 3.5% down. Higher scores unlock lower rates — a 40-point difference can shift your rate by 0.25–0.50%.
How long does mortgage underwriting take?
Most purchases close in 30–45 days from application; refinances typically take 30–60 days. A pre-approval (full credit and income check) can be done in 1–3 business days at most lenders.
Rates are sourced from Bankrate and verified by SwitchWize. SwitchWize may earn a referral fee when you click through to a partner. Content is for informational purposes only and does not constitute financial advice. Verify current rates directly with the institution before opening an account.