Your actual Interest rate (APR) may be different than the rates revealed. % Interest Rate (APR) is for loan quantities in between $100,000 and $499,999 with 120-month term and security residential or commercial property in second lien position. The interest rate is repaired for the life of the loan. Loan terms can range from 5 years to thirty years. Since, APRs for Home Equity Loans vary from % to %. The APR will not surpass 18%. Other rates are offered for other loan amounts and terms. Rates might differ by state, and are based on the state in which the collateral residential or commercial property is situated. Your APR is based upon the particular qualities of your credit application consisting of but not limited to: assessment of credit history, amount of credit asked for, residential or commercial property type, lien position, integrated loan to worth, and/or geographical location. Combined loan to worth (CLTV) is a portion calculated by dividing your overall outstanding mortgage(s) - or liens - by the market price of the residential or commercial property. Rates subject to alter.

For loans secured by New york city residential or commercial property: TD Bank NA is signed up with the Superintendent of New York. You may file complaints and acquire more details about the servicer by getting in touch with the New york city State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by going to the Department's site at www.dfs.ny.gov.

Loans based on credit approval. Equal Housing Lender 

1The rate is for illustrative and academic functions only. Your real Interest rate (APR) may be various than the rates revealed. % Annual Percentage Rate (APR) is for loan amounts in between $100,000 and $499,999 with 120-month term and security residential or commercial property in 2nd lien position. The interest rate is fixed for the life of the loan. Loan terms can range from 5 years to 30 years. As of, APRs for Home Equity Loans vary from % to %. The APR will not go beyond 18%. Other rates are offered for other loan quantities and terms. Rates may vary by state, and are based upon the state in which the security residential or commercial property lies. Your APR is based on the particular characteristics of your credit application including but not limited to: examination of credit report, amount of credit asked for, residential or commercial property type, lien position, combined loan to worth, and/or geographic area. Combined loan to worth (CLTV) is a percentage computed by dividing your total exceptional mortgage(s) - or liens - by the market price of the residential or commercial property. Rates subject to change.

Rate shown consists of discount rate of 0.25% needing Automatic Payment Deduction from a TD Bank personal checking or cost savings account.

Origination fee of $99, which is a finance charge, applies.

Maximum combined loan to value (CLTV) is based on credit rating, residential or commercial property type, occupancy, lien position and loan quantity. Occupancy is connected to how you use the residential or commercial property. 1) Primary occupancy: a residential or commercial property in which you live the majority of the year; 2) Secondary occupancy: a residential or commercial property in which you live part of the year (e.g., weekends or trips); 3) Investment: a residential or commercial property that is used by others, in which you might or might not receive lease.

Offer valid on loan amounts approximately $500,000. For loan amounts greater than $500,000, additional conditions will apply. Lien position may affect the optimum loan quantity.

Available on 1-4 family primary or secondary homes, leaving out mobile homes, boats, RVs, and homes for sale, under building and construction or on leased land. For co-ops, additional conditions will use. For a residential or commercial property value higher than $2.5 million, extra conditions might apply. Residential or commercial property insurance coverage is needed.

Interest paid on an equity line or equity loan may be tax deductible. Consult your tax consultant about the deductibility of interest.

2TD Bank does not use trainee loans.

3A TD Bank personal monitoring account is required to be eligible for this 0.25% HELOC rate discount. This relationship discount rate may be ended and the interest rate on your Home Equity Line of Credit or Personal Unsecured Credit line account might increase by 0.25% upon closure of your qualifying examining account. For a Home Equity Loan or Personal Loan, rate discount rate needs automatic payment deduction from an individual TD Bank examining or savings account. This discount rate might be terminated and the rates of interest on this account may increase by 0.25% upon cancellation of the automatic payment deduction.

4Loan amounts for less than $25,000 are just available for Home Equity Loans with Primary Residence as residential or commercial property use.

For loans secured by New york city residential or commercial property: TD Bank NA is signed up with the Superintendent of New York City. You may submit problems and get additional information about the servicer by calling the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department's website at www.dfs.ny.gov.

Mortgage and Home Equity Servicing Fee Schedule

TD Bank NA may use third-party suppliers during the maintenance of your loan. Please get in touch with TD Bank NA if you have any concerns.