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TD Home / Post Grad & Young Adult / Your future, your plan

Write your own story. Your future awaits you.

Live the life you want while working towards a sound plan for your future. That’s why we’re here – to help you manage and grow your finances to achieve your financial goals. Let’s start by looking at borrowing options for your day-to-day needs, and long-term investment options for the bigger goals in your life.  

Write your own story. Your future awaits you.

Live the life you want while working towards a sound plan for your future. That’s why we’re here – to help you manage and grow your finances to achieve your financial goals. Let’s start by looking at borrowing options for your day-to-day needs, and long-term investment options for the bigger goals in your life.  

Plan your financial future

Making smart financial decisions today can help set you up for future financial success tomorrow.

Borrow better to meet your needs

There are several reasons why you might want to borrow money. Learn about our borrowing products and services, and discover the different loans and lines of credit options to figure out the best one for your needs.

Need help finding the right TD borrowing products?

Just answer a few simple questions. We'll suggest TD products to help you address your borrowing needs.

Get started

Prepare for the future you want

  • Starting your own business

    Starting a business can be challenging. Explore our helpful resources and tools for getting your business off the ground.

     

    Create a plan

  • Building your borrowing knowledge

    Find articles and videos with advice on how to borrow, pay down debt, manage your money and more.

    Learn more

  • Buying your first home

    There’s a lot of planning and decision-making that goes into buying your first home. Find out the steps involved, and how we can help.

    Get ready

  • Free credit score check

    Need to know your credit score? The Interac® verification service1 lets you securely look up your score without affecting your credit rating.

    Learn more

How to borrow better

Whether you’re considering borrowing now or in the future, here are some tips and advice to help you make informed decisions when it comes to managing loans and credit.

Frequently asked questions

There are four main types of Lines of Credit offered to consumers by TD Canada Trust

  • Personal Line of Credit
    A TD Personal Line of Credit is a smart borrowing option to finance everyday purchases as well as larger purchases. Learn more
  • Student Line of Credit
    A student line of credit is a borrowing product for students to help pay for expenses related to post-secondary education. Learn more
  • Investment Secured Line of Credit
    Use your eligible investments as collateral to borrow at a lower interest rate than an unsecured line of credit. Learn more
  • TD Home Equity FlexLine
    The TD Home Equity FlexLine is secured against your home, giving you access to credit and a lower interest rate than a personal line of credit. Learn more

In order to process your application for a loan or a line of credit, you will be asked to provide –

  • The purpose for your application, such as home renovations or a new car purchase
  • Personal details such as your name, address, birth date and Social Insurance Number (SIN optional)
  • Employment and income details
  • Details about a co-signor, if applicable
  • Your assets, such as a car, bank accounts, investments, houses, etc.
  • Your liabilities, including any loans, credit card balances, mortgages, etc., and the total of your monthly payments

 

Also, you will need to provide the following additional documents if you are using your home as security –

  • Property tax confirmation
  • A copy of your property insurance policy

Apply for a single borrower personal loan, or unsecured line of credit online now.

*We are not able to process Joint Applications online for the following Personal Credit Products: Loans (including RSP) and Lines of Credit. If you would like to apply for a joint loan or line of credit, please visit your nearest TD Canada Trust Branch or by calling 1 877 247 2265.

To qualify for a mortgage, an applicant's gross annual income, credit history, and assets and liabilities (past or present) all influence our final credit decision.

To determine the amount of mortgage you may qualify for, try our Mortgage Affordability Calculator to help you determine the right amount of mortgage for your financial situation. Our Mortgage Payment Calculator - helps you calculate mortgage payments on the amount you would like to set up.

Another tool to help you review your mortgage options is our Which Mortgage Works for Me? Tool, which recommends a mortgage product that is best suited to your needs.

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