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Home / Mortgages / Mortgage Rates / Variable Rate Mortgages
TD Variable Interest Rate Mortgages
TD浮动利率房屋贷款意味着该利率以TD房屋贷款最优惠利率为基础，在房屋贷款期限内会上涨或下跌。 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）反映了整个贷款期限内的借贷成本。其通常高于浮动利率，因为它包含除房屋贷款利息外，按要求需收取的部分或全部费用。
比较TD浮动利率和固定利率房屋贷款
浮动利率 |
固定利率 |
|
|---|---|---|
|
利率 |
在房屋贷款期限内可能上涨或下跌。 |
锁定，并且不会在房屋贷款期限内发生变化。 |
|
还款额 |
Does not change over the term, but if the TD Mortgage Prime Rate rises then the portion going towards interest will go up. |
在房屋贷款期限内保持不变，每次还款都包括利息和本金。 |
|
贷款期限 |
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. 转换利率时，选择的最短期限必须为三年或最初期限剩余年限这两者中的较小者。 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.