I’ve taken screenshots of TD mortgage rate special offers and promotions. Mortgage rates are at record lows now.
Below the images, I have copied the legal stuff at the time I took the screenshot.
TD Canada Trust Mortgage Rates Special Offers: 2018-11-28
Legal
Contact: 1-866-222-3456
End Date: Unspecified
You can also contact a mortgage broker near you to match this rate or find a better one.
Notes for Closed Mortgages at TD:
- Regular payments can be increased by up to 100% over the term without charge once per calendar year.
- The option to prepay up to 15% of the original principal amount on your mortgage once a year, without charge.
- Cannot be prepaid, renegotiated or refinanced before maturity, except according to its terms.
Legal Fineprint from TD
1 These rates are only available for new first priority mortgages on already built, owner-occupied properties with amortization periods of 25 years or less and are subject to meeting TD Canada Trust credit granting criteria.
2 Offer may be changed, extended or withdrawn at any time without notice. Rates are discounts off of posted rates.
3 The Annual Percentage Rate (APR) is based on a $300,000 mortgage, 25 year amortization, for the applicable term assuming monthly payments and fee to obtain a valuation of property of $300 (fees vary from $0 to $300). If there are no fees, the APR and interest rate will be the same. APR is rounded to two decimal places.
4 Assumes rate does not vary over the term.
5 Fixed rates are calculated semi-annually, not in advance.
6 The regular posted rate does not apply as a result of the special rate.
7 Variable rates are calculated monthly, not in advance. Variable rates change when the TD Mortgage Prime Rate changes.
8 If your interest rate increases so that the monthly payment does not cover the interest amount, you will be required to adjust your payments, make a prepayment or pay off the balance of the mortgage.
Source
https://www.tdcanadatrust.com/products-services/banking/mortgages/mortgage-rates.jsp
TD Canada Trust Mortgage Rates Special Offers: 2018-04-24
Legal
Contact: 1-866-222-3456
End Date: Unspecified
Legal Fineprint from TD
1 These rates are only available for new mortgages on already built, owner-occupied properties with amortization periods of 25 years or less. Subject to meeting TD Canada Trust credit granting criteria.
2 Offer may be changed, extended or withdrawn at any time without notice. Rates are discounts off of posted rates.
3 The Annual Percentage Rate (APR) is based on a $300,000 mortgage, 25 year amortization, for the applicable term assuming bi-weekly payments and fee to obtain a valuation of the property of $300 (fees vary from $0 to $300). If there are no fees, the APR and interest rate will be the same.
4 Assumes rate does not vary over the term.
5 Fixed rates are calculated semi-annually, not in advance.
6 The regular posted rate does not apply as a result of the special rate.
7 Variable rates are calculated monthly, not in advance. Variable rates change when the TD Mortgage Prime Rate changes.
8 If your interest rate increases so that the monthly payment does not cover the interest amount, you will be required to adjust your payments, make a prepayment or pay off the balance of the mortgage.
Source
https://www.tdcanadatrust.com/products-services/banking/mortgages/mortgage-rates.jsp
TD Canada Trust Mortgage Rates Special Offers: 2018-02-28
Legal
Contact: 1-866-222-3456
End Date: Unspecified
Legal Fineprint from TD
† Assuming no additional fees are charged, the Annual Percentage Rate is the same as the Interest Rate. Some conditions apply. This mortgage interest rate includes a discount off the 4-Year Fixed Term Mortgage posted interest rate. Mortgage interest rate calculated semi-annually, not in advance. Applies to residential real estate. Funding must be completed within 120 days of application. Some conditions apply. Offer may be changed, extended or withdrawn at any time without notice.
1 These rates are only available for already built, owner-occupied properties with amortization periods of 25 years or less. Fixed rates are calculated semi-annually, not in advance. Variable rates are calculated monthly, not in advance. Variable rates change when the TD Mortgage Prime Rate changes.
2 Some conditions apply. Available on new mortgages for residential properties only and is subject to meeting TD Canada Trust credit granting criteria. Offer may be changed, extended or withdrawn at any time without notice. Rates are discounts off of posted rates.
3 This is the posted rate for a 5 year closed term mortgage.
4 This is the posted rate for a 4 year closed term mortgage.
5 Assumes rate does not vary over the term. Assuming no additional fees are charged, the Annual Percentage Rate is the same as the interest rate.
6 Assumes rate does not vary over the term.
7 These rates are only available for already built, owner-occupied properties with amortization periods of 25 years or less. Fixed rates are calculated semi-annually, not in advance. Variable rates are calculated monthly, not in advance. Variable rates change when the TD Mortgage Prime Rate changes.
8 The regular posted rate does not apply as a result of the special rate.
9 As of February, 2016, the majority of our mortgage customers have chosen one of these three types of mortgages.
10 If your interest rate increases so that the monthly payment does not cover the interest amount, you will be required to adjust your payments, make a prepayment or pay off the balance of the mortgage.
Source
https://www.tdcanadatrust.com/products-services/banking/mortgages/mortgage-rates.jsp
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