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Applying for a mortgage is an important milestone in your life-and that's why we're ready to help guide you along the way. Understanding mortgage interest rates and annual percentage rate (APR) can be helpful for saving in the long term. When shopping for a mortgage you should consider several factors that depend on your financial goals and needs. One of the decisions you'll have to consider is what type of mortgage works best for you, based on your financial circumstances.
- With a fixed rate mortgage, the interest rate and the regular payments you make will stay constant for the term of your mortgage, offering stability.
- With a variable rate mortgage, the interest rate will change when the TD Mortgage Prime Rate changes. This means that the portion of your payment that goes toward the principal may increase or decrease over the term of your mortgage8.
年利率（APR）是什麽？年利率是一種按年計算的百分比率，指的是房屋貸款相關的部分或全部費用，包括利息。請參閱下文，了解我們如何計算年利率。
年利率(APR)是基於$300,000房屋貸款、25年攤還期以及$300房屋估價費，假設在適用年期內採每月還款方式。如果沒有費用，年利率與利率將會相同。年利率四捨五入到小數點後三位。
申請預先批核或申請房屋貸款
Get an immediate response to your pre-approval application or submit a mortgage application online.
The Winnipeg housing market: Things to know
As of May 2022, average home prices in Winnipeg have increased at a slightly higher rate year-over-year than average home prices nationally10.
- Living in Winnipeg, you can enjoy year-round festivals, the Canadian Museum for Human Rights and a vibrant dining scene. Or escape it all by visiting the nearby Lake of the Woods or glacial lakes of Eastern Manitoba.
- As of May 2022, the average home in Winnipeg typically costs just under $370,000 which is below the national average11.
- Finding and buying a home can be a lot of work, especially for first-time buyers. Our Mortgage Specialists can help you throughout the home buying process with advice and support to get pre-approved.
- The federal government has taken steps to make homeownership more affordable for certain first-time buyers whether in Winnipeg or elsewhere in Canada with the First-Time Home Buyer Incentive12.
- Before you start searching for your home, it’s important to consider how much debt you can take on. Try our Mortgage Affordability Calculator to find out how much you might be able to borrow.
Mortgage rules
All mortgage borrowers are subject to qualifying criteria (aka stress test) that would determine whether they would be able to afford their principal and interest payments should interest rates increase. 請諮詢TD流動房貸專員，了解資質規定對房屋貸款有何影響。
房屋貸款基本知識
Whether you live in Winnipeg or another province, let's help you understand the language so you’re able to make the right decisions.
- 首期付款
A down payment is the amount of money you put towards the price of a home at the time of purchase. - 攤還期與房屋貸款年期
The amortization period and a mortgage term have different meanings.
The amortization period is the total number of years it takes to pay off your mortgage assuming the interest rate and payment amount remains the same. If your down payment is less than 20%, your maximum allowable amortization period is 25 years. 如果您的首付比例高於20%，攤還期最長可達30年。
A mortgage term is the length of time you’re committed to a mortgage rate, lender, and associated conditions. TD has mortgage terms ranging from 6 months to 10 years, with 5 years being the most common option. - 還款頻次
享獲選擇還款頻次的靈活性。 You can determine your payment schedule, such as Weekly, Bi-Weekly, Monthly or several other options.
Did you know? Paying every other week might seem the same as paying twice a month but it's not. You'll be making two extra principal and interest payments a year potentially saving thousands of dollars in interest over the term.
What is the cost to buy a home? In Winnipeg (or in Canada)
Some homes are listed for a few hundred thousand dollars while others go for millions.
Some costs to consider include the down payment, mortgage payments, appraisal fee, renovations, home inspection, legal fees and title insurance.
There are also additional governmental costs that vary by province, such as land transfer tax, mortgage registration fee and possibly even a municipal land transfer tax. Plus, don't forget the moving costs!
How can I get a mortgage in Winnipeg (or in Canada)?
- You could start by filling out a mortgage pre-approval to find out how much you may be able to borrow.
- Getting a mortgage pre-approval is a great way to find out how much you may be able to borrow. It’s a tool that can help guide you.
- Once you find the house you would like to purchase, you would apply for the mortgage.
- You may need to pass a stress test. Learn about mortgage rules in Canada.
- Once a lender approves the loan, you’ll review the terms and conditions of your mortgage.