Is TD's posted mortgage rate negotiable?

Yes. TD's posted rate is a sticker price almost nobody pays, and even the advertised special sits above what engaged shoppers sign. Borrowers who shared a TD 5-year fixed signed a median 2.05% below the posted rate.

How much below posted do TD borrowers actually sign?

A median of 2.05% below the posted rate on a 5-year fixed, with the sharpest tenth at 2.35% below, from 175 shared offers. It varies with your down payment, the property, and whether you use a broker.

What's a good mortgage rate at TD?

A good rate is one well below TD's posted sticker; the discount matters more than the headline number. The way to know is to put an offer next to what people like you actually signed rather than against the advertised rate.

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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	5.39%	~~6.14%~~
3-year fixed	5.24%	~~6.15%~~
2-year fixed	—	~~5.39%~~
5-year variable	—	~~5.54%~~
3-year variable	—	—

What TD borrowers actually signed

2.05%

typical, below posted

2.35%

sharpest tenth, below posted

175

shared 5-year fixed offers

Borrowers who shared a TD 5-year fixed signed a median 2.05% below the posted rate, and the sharpest tenth got 2.35% below. Across the 19 lenders we track, the typical cut runs about 2.10%. These are self-reported rates people chose to share, not TD's official pricing, so treat them as what engaged shoppers negotiated; your own rate depends on your file.

How TD's discount has moved

How far below the posted rate TD borrowers signed, tracked since 2019.

Now 1.84% belowRange 1.03%–3.18% below1,076 shared offers

The gap widens when rates are volatile and lenders lead with a high sticker, and narrows when the market is calm. It has run between 1.03% and 3.18% below posted at TD over this period. These are differences from the posted rate, from offers people shared; your own rate depends on your file, which you can check against people like you.

Checked directly from TD. Last updated Oct 16, 5:02 a.m. Posted and special rates are the lender's own; what people actually sign is typically lower still.

Check TD's posted rates yourselfOpens TD's official rate page in a new tab. We'd rather you confirm our numbers at the source than take our word for them.

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Common questions about TD rates

Is TD's posted mortgage rate negotiable?: Yes. TD's posted rate is a sticker price almost nobody pays, and even the advertised special sits above what engaged shoppers sign. Borrowers who shared a TD 5-year fixed signed a median 2.05% below the posted rate.
How much below posted do TD borrowers actually sign?: A median of 2.05% below the posted rate on a 5-year fixed, with the sharpest tenth at 2.35% below, from 175 shared offers. It varies with your down payment, the property, and whether you use a broker.
What's a good mortgage rate at TD?: A good rate is one well below TD's posted sticker; the discount matters more than the headline number. The way to know is to put an offer next to what people like you actually signed rather than against the advertised rate.

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