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TD mortgage rates
TD's posted rate is a sticker price. The special is what they'll actually offer, and even that usually sits above what an engaged shopper signs. Here's the gap.
| Product | Special (advertised) | Posted |
|---|---|---|
| 5-year fixed | 4.84% | |
| 3-year fixed | 4.64% | |
| 2-year fixed | — | |
| 5-year variable | — | |
| 3-year variable | — | — |
What TD borrowers actually signed
Borrowers who shared a TD 5-year fixed signed a median 2.00% below the posted rate, and the sharpest tenth got 2.30% below. Across the 18 lenders we track, the typical cut runs about 2.06%. These are self-reported rates people chose to share, not TD's official pricing, so treat them as what engaged shoppers negotiated rather than a guarantee.
Checked directly from TD. Last updated Aug 26, 5:02 a.m. Posted and special rates are the lender's own; what people actually sign is typically lower still.
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