Six-Month
Convertible
Mortgage

One-Year
Open
Mortgage

TD
EquityBuilder
Mortgage

TD
Multi-Rate
Mortgage

TD Rate
Stopper
Mortgage

Variable
Rate
Mortgage
Think rates will decline
more before they rise?
A short-term convertible
mortgage is the answer.		 An ideal choice for people
who soon will be selling
their home.		 If a home owner can
afford a larger down-
payment, the TD Equity Builder can save them
money.
It provides safe fixed
rate financing with
rapid repayment features.		 Customers "custom-
build" their own mortgage
with up to 5 parts, each with its own rate, amortization, and term!		 Customers pay a
variable rate that will never exceed a pre-set cap.		 If rates fall, home
owners can pay off
their mortgage faster.*

Terms:
6 months closed
Terms:
One year open
Terms:
Range from 6 months
to 5 years
Terms:
Any combination of
up to 5 terms, from 6
months, open or closed.
Reduces the risk of
selecting shorter terms
by allowing customers
to lock a portion of the
mortgage into longer
terms.
Terms:
3 year and 5 year
Terms:
5 year

Rate:
TD's lowest rate
Rate:
Fixed rate, but can
be renegotiated at
any time should
interest rates go down.
Rate:
Fixed rate.
Downpayment minimum
of 25%.
Rate:
Depends on the
terms chosen.
Rate:
Fluctuating rate,
with pre-set caps.
Rate:
Set on the first of
each month to
reflect current short
term rates.
Downpayment:
Minimum of 30%

Other:
Can be converted to
a longer term, at no cost, any time during the 6
months.
Other:
Other:
Rapid Paydown available.
Other:
See how different choices will affect
payments, with TD's
"Multi-Rate Enquiry".
Other:
Payments are the same each month.
If rates drop, more
money goes towards
the principal balance;
hence paying off the
mortgage faster.
Other:
*Payments are the
same each month.  If
rates drop, more
money goes towards
the principal balance;
hence paying off the
mortgage faster.  Can
be converted to a
fixed rate.

Advantage:
Customers can leave
their options open and
convert at no cost.
Advantage:
Pay down the mortage at any time without
administration or
prepayment costs.
Advantage:
Combines security of
fixed rate financing
with rapid repayment
options.
Advantage:
Lets home owners
pay less interest to
interest rates!
Advantage:
Enjoy the full
benefits of declining
interest rates with
limited risk from
rising rates.
Advantage:
Lets home owners
with more equity in
their home enjoy
declining interest
rates.



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