Coming soon: Mortgage360 mobile app for iOS & Android — Client portal + Broker portal in your pocket.
Mortgage360
All calculators
TD mortgage

TD Canada Trust mortgage calculator

Estimate your TD Canada Trust mortgage payment using sample posted rates and Canadian semi-annual compounding. Pre-populated with a representative TD 5-year fixed; adjust to your actual quote.

Your scenario

Result

Payment per month
$4,203.97
Monthly P&I
$4,204
Total interest
$541,190
Total paid
$1,261,190
Annual prepay privileges
15% / 15%

Sample rates only. Mortgage360 is an independent platform — NOT affiliated with TD Canada Trust. Confirm posted rates and prepayment terms directly with TD or your mortgage broker before any decision.

Independent tool: This calculator uses sample TD posted rates and is NOT affiliated with TD Canada Trust. Always confirm your actual quote with the lender or your broker.

About TD Canada Trust mortgages

Canada's largest mortgage portfolio. Strong on first-time buyer programs + the Flexline HELOC product. Branch + broker access.

TD prepayment privileges

Standard TD closed mortgages allow 15% / 15% annual prepayment privileges (lump-sum percentage of original principal / payment-increase percentage). Use these to pay your mortgage down faster without triggering a penalty. Run the math in our prepayment savings calculator.

Signature products + programs

  • TD Flexline — readvanceable HELOC
  • TD New to Canada Mortgage — for newcomers under 5 years
  • TD Self-Employed Mortgage — flexible income docs
  • TD Cash Back Mortgage — 1-5% cash back at closing

What brokers tell their clients about TD

Posted rates are starting points. TD will discount aggressively for clean files; bring a competing offer when negotiating.

How this calculator works

The math uses Canadian semi-annual compounding (Bank Act convention) — converting the nominal annual rate to an equivalent per-period rate. Output stays consistent whether you choose monthly, bi-weekly, accelerated bi-weekly, or weekly. Run a side-by-side variable scenario in our fixed vs variable calculator, or test what happens if you break the mortgage early in our break penalty calculator.

Renewing or refinancing with TD?

Your renewal letter typically arrives 4-6 months before maturity. Most borrowers accept whatever rate is offered — but TD discounts hard when challenged. See what to do 90 days before renewal and run the math in our renewal comparison calculator.

Other Canadian lender calculators

Compare side-by-side with other major Canadian lenders:

Bottom line

TD Canada Trust is one of several major Canadian mortgage lenders Mortgage360 tracks on the live rates board. The calculator above lets you stress-test your scenario at a representative TD rate. For your real quote, call TD directly or work with a broker who can put your file through multiple lenders simultaneously.