About TD Bank

B2B Bank is a Schedule 1 Canadian bank. They provide services to over 27,000 financial professionals, covering a wide range of business sectors. Financial advisors and dealerships, mortgage and deposit brokers, mutual fund and insurance manufacturers all make use of B2B Bank’s services.

B2B Bank price their products to be competitive for both financial professionals as well as their clients. They try to provide leading offerings across all their product suites, such as loans, mortgage, savings, and investment accounts.

When it comes to mortgages, B2B bank strives to offer access to a complete portfolio of mortgage solutions, a wide range of qualifying credit criteria, and options for traditional to non-traditional borrowers as part of their unique broker-focused service model. This is what the call the “B2B Bank advantage”.

TD Bank Mortgage Products

Fixed Rate Mortgage

A fixed rate mortgage always comes with stability and peace of mind for the duration of your mortgage term. Terms come in 6-month and 1, 2, 3, 4, 5, 6, 7, and 10-year options.

Regular payments can be increased by up to 100% per year and you can prepay up to 15% of your principal per year without penalty.

6 Month Convertible Mortgage

You can keep renewing your fixed rate mortgage on a 6-month basis until you are comfortable with rates to commit to a long-term loan.

You can also increase your regular payments by up to 100% or prepay up to 15% per year without prepayment penalties.

1 Year Open Mortgage

You can convert this mortgage to a closed mortgage with lower raised and a longer fixed term at any time with no extra charge. You can also make prepayments (up to the full amount) at any time during your term or just increase your payments by 100% once.

Variable 5 Year Closed Mortgage

Payments stay at the same amount whether interest rates rise or fall. If rates fall, more of your payments will go to your principal and if rates go up more of it will go to your interest. You can convert it to a fixed rate mortgage at any time. The term for this fixed rate mortgage will be the lesser of either 3 years or the remaining term of your original mortgage.

You can also increase your regular payments by up to 100% or prepay up to 15% per year without prepayment penalties.

Variable 5 Year Open Mortgage

Your payments will behave the same for any variable mortgage with TD Bank when rates rise or fall. With this open variable mortgage, you are able to prepay your mortgage at any time in any way that suits you. You will only need to pay an administration fee based on the year in which the prepayment is made.

TD Home Equity FlexLine

A revolving line of credit tempered with the stability of a Term Portion of 1 to 5 years.

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Other TD Bank Products

On top of mortgage products, TD Bank offers almost all the services you can expect from a registered and fully licensed bank operating within Canada. You can apply for:

  • A range of bank accounts
  • A credit card
  • Loans and lines of credit
  • Savings or Investment accounts
  • Various insurance products

TD Bank Application Process

You can apply for a mortgage online on the TD Bank website or contact them and have a Mortgage Specialist visit you. To apply online, you will need to register an account on the TD Bank website. Be prepared to provide the following information when pre-applying and filling in your mortgage application:

  • Mortgage amount
  • Purchase price
  • Property type
  • Builder (if applicable)
  • Annual property taxes
  • Purpose (e.g. purchase, refinance, transfer)
  • Down payment
  • Dwelling style
  • Property address

Find out more Canadian mortgage lenders: Home Trust, HSBC, First National Financial LP, CMLS Financial, Canadian Imperial Bank of Commerce and others.