Accessing Your Td Mortgage Account: A Step-By-Step Guide

If you have a TD mortgage and a TD bank account, you can access your account details online or via the TD app. To log in to your TD mortgage account, you will need to create a TD Online Banking account. Once you have done this, you can use the app to view your account details, upload documents, and manage your mortgage. If you are having trouble linking your TD mortgage to your TD bank account, you may need to call TD or visit a local branch to get this done.

Logging in to the TD app

To log in to your TD mortgage account, you must first have a TD Bank account and have registered for MyTD. You can then use the TD app to access your account details.

If you have a TD Home Lending ePortal login, you can use this to log in to your TD mortgage account via the app. This will be emailed to you by your loan processor.

If you have a TD mortgage and a TD bank account, but are unable to view your mortgage details via the app, you may have two separate profiles that need to be merged. In this case, you will need to call TD or visit a local branch to get this done.

You can also access your account via TD's online banking services, which are available to customers 24/7.

Viewing your mortgage account online

If you want to view your TD mortgage account online, you can do so by logging into your TD online banking account. This can be done via the TD website or the TD mobile banking app. Once you've logged in, you can view all your accounts on one page and easily switch between them, including checking, savings, credit card, and mortgage accounts.

If you have a TD home mortgage and a separate TD bank account, you may need to merge your profiles to view your mortgage details online. You can do this by calling TD or visiting a local branch. They will be able to check your ID and merge your profiles. This process may take up to 24 hours to reflect on the app.

To manage your TD mortgage account online, you can also use the TD Home Lending ePortal. Your loan processor will email you your login details, and you can upload requested documentation and check the status of your application.

It's important to note that pending transactions will impact your available balance, but won't incur any potential overdraft fees until after the items clear. You can use TD's online and mobile banking services, TD Stores, ATMs, and TD Customer Service to get up-to-date information about your available balance and manage your accounts.

Adding a TD mortgage to your TD account

If you have a TD home mortgage and would like to add it to your online TD account, you can try the following steps.

First, log in to your TD account and check if there is an option to add your existing mortgage. If you cannot find this option, you may have two separate profiles that need to be merged. In this case, you should call TD to resolve the issue. You can do this by calling them through the TD app, or by visiting a local branch in person.

If you call, you will likely be asked to visit a branch to show identification. If you go straight to a branch, your request should be resolved immediately, although it may take up to 24 hours to reflect on the app.

If you are considering switching your mortgage from another financial institution to TD, you can speak to a TD Mortgage Specialist to determine your goals and find the right mortgage loan for you. You can also use their website to answer a few questions, after which a TD Mortgage Specialist will call you back.

Understanding your available balance

Principal Balance:

The Principal Balance refers to the outstanding amount that you currently owe on your mortgage. This is the principal sum that you borrowed and is separate from any accrued interest or other charges. Understanding your principal balance is essential as it directly impacts the calculation of interest and the overall cost of your mortgage.

Accrued Interest:

Accrued Interest represents any unpaid interest that has accumulated on your Principal Balance. Interest accrues over time, and the rate at which it accrues depends on the current interest rate associated with your mortgage. It's important to note that the Accrued Interest is added to your Principal Balance to calculate the Current Balance.

Current Balance:

The Current Balance provides an understanding of the total amount you owe as of the current date. It is calculated by adding your Principal Balance and any Accrued Interest. Keeping track of your Current Balance helps you stay informed about your financial obligations and can assist in making informed decisions regarding payments and budgeting.

Total Mortgage Payment:

Your Total Mortgage Payment is the regular amount you pay towards your mortgage. It comprises the Principal and Interest components, along with Property Tax and Mortgage Insurance (if applicable). Understanding your Total Mortgage Payment helps you comprehend the breakdown of your payments and ensures that you are meeting your financial commitments effectively.

By regularly reviewing your available balance and its components, you can make more informed financial decisions. It allows you to track your progress in repaying your mortgage, plan for future payments, and ensure that you are on top of your financial obligations. Remember to utilize the TD Canada Trust EasyWeb platform to access and monitor these important details.

Checking the status of your application

To check the status of your TD mortgage application, you can use the TD Home Lending ePortal. You will receive an email with your login details for the portal, where you can check your application status, manage your mortgage documents, and make payments. You can also use the portal to upload any requested documentation, ensuring that you include your loan number on all submitted documents.

The length of the loan process can vary depending on your individual situation and several factors, such as how quickly you can provide the necessary documentation and schedule an appraisal if needed. For instance, a final decision on a home equity loan or line of credit can typically take 30 to 45 days.

If you have any questions or need assistance, you can contact TD Bank's Home Lending Specialists at 1-800-937-5020. Additionally, you can visit one of TD Bank's many locations to obtain account activity, make payments, and withdraw from your account in person.

Please note that applications are saved for 90 calendar days, and rates are subject to change without notice.

Frequently asked questions