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Home / Mortgages / Mortgage Rates / Variable Rate Mortgages
TD Variable Interest Rate Mortgages
TD浮動利率房屋貸款意味著該利率以TD房屋貸款最優惠利率為基礎，在房屋貸款期限內會上漲或下跌。 This is different than a fixed interest rate mortgage where the interest rate is locked in for the term of the mortgage loan. Here are some important things to know as you explore your fixed vs variable rate options:
- What determines variable interest rates for mortgages?
TD uses the TD Mortgage Prime Rate plus or minus a variance to calculate variable mortgage rates. The TD Mortgage Prime Rate is impacted by the Bank of Canada rate and other market factors. - What is an APR?
年利率 (APR) 反映了整個貸款期內的借貸成本。其通常高於浮動利率，因為它包含除房屋貸款利息外，按要求需收取的部分或全部費用。
比較TD浮動利率和固定利率房屋貸款
浮動利率 |
固定利率 |
|
|---|---|---|
|
利率 |
在房屋貸款期限內可能上漲或下跌。 |
鎖定，並且不會在房屋貸款期限內發生變化。 |
|
還款額 |
Does not change over the term, but if the TD Mortgage Prime Rate rises then the portion going towards interest will go up. |
在房屋貸款期限內保持不變，每次還款都包括利息和本金。 |
|
貸款年期 |
5 years. |
6 months, 1, 2, 3, 4, 5, 6, 7 or 10 years. |
Common questions about variable rate mortgages
If you wish to take advantage of falling interest rates, then a variable rate mortgage lets you do just that with an interest rate that fluctuates with the TD Mortgage Prime Rate. On the other hand, this means your interest rate can also go up.
Fixed rate mortgages offer predictability with a set interest rate that will not change over the term of your mortgage. This means you'll know exactly what to budget for.
An open variable rate mortgage gives you added flexibility with the option to put prepayments toward the mortgage loan anytime without a prepayment charge until it is completely paid off. With a closed variable rate mortgage, you have the option to prepay your mortgage loan each year up to 15% of the original principal amount without a prepayment charge. Charges will be incurred on any amount above 15%.
Yes, you always have the option to switch to a fixed rate mortgage at current mortgage interest rates. 轉換利率時，選擇的最短年期必須為三年或最初期限剩餘年限這兩者中的較小者。 Some people may choose to consider this when, for instance, interest rates begin to rise.
A TD Home Equity FlexLine (HELOC) is an alternative to a mortgage which allows you to borrow at a variable interest rate that changes with the TD Prime Rate. You can also have a variable rate mortgage and a HELOC at the same time. Learn more about TD Home Equity FlexLine.