RBC vs TD
Compare published products, terms, fees, and source coverage for RBC and TD.
The key difference
RBC’s records include high-ratio purchase categories. TD’s records include published special rates. Match the qualification conditions before treating the displayed figures as alternatives.
What the published records cover
These are records available in our snapshot, not a complete inventory of either lender’s products.
| Published information | RBC Royal Bank | TD Canada Trust |
|---|---|---|
| Rate records | 42 | 4 |
| Product categories | Fixed, Variable | Fixed, Variable |
| Terms represented | 6-month term, 1-year term, 2-year term, 3-year term, 4-year term, 5-year term, 7-year term, 10-year term, 25-year term | 3-year term, 5-year term |
| Source verification dates | Oct 26, 2026 to Oct 26, 2026 | Oct 22, 2026 to Oct 26, 2026 |
| Prepayment and portability | Not standardized in this dataset. Check the individual agreement. | Not standardized in this dataset. Check the individual agreement. |
Questions to resolve before choosing
- Does each offer apply to the same purpose, down payment, property, and credit category?
- Are the figures interest rates, APRs, or formulas linked to prime?
- What fees and exit conditions are missing from the published record?
Examples from the published records
Up to three records per lender, ordered by product name and record ID. These examples are not a ranking or matched personal offers. Follow each lender link for the full collection.
RBC Royal Bank
- Conditions
- Posted rate · amortization 25 years or less
- Fees and APR
- 5.87% APR · APR assumes a $300 processing/property valuation fee
- Conditions
- Posted rate · amortization greater than 25 years
- Fees and APR
- 5.87% APR · APR assumes a $300 processing/property valuation fee
- Conditions
- Purchase or switch · amortization 25 years or less
- Fees and APR
- 5.27% APR · APR assumes a $300 processing/property valuation fee · 120-day advance window
View all RBC Royal Bank records →
TD Canada Trust
- Conditions
- Ontario residential mortgage · published special rate
- Fees and APR
- 5.275% APR · 6.15% posted rate
- Conditions
- Purchase · less than 20% down · default insurance required
- Fees and APR
- 5.411% APR · 6.14% posted rate
- Conditions
- Ontario residential mortgage · published special rate
- Fees and APR
- 5.411% APR · 6.14% posted rate
View all TD Canada Trust records →
Lender sources
The observations above describe the imported records. If a source has changed, the lender’s current terms take precedence. Importing records does not re-verify their contents.
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