Loans and Lines of Credit › Liquid Secured Loan

Liquid Secured Loan

Family choosing a bank account

Borrow the credit you need using
your investment as security

A TD Liquid Secured Loan is secured against your eligible investments so you get the credit you need without having to liquidate those investments.


Funds upfront

Get the amount of credit you need to act on investment opportunities.


Secured low interest rate

With a Loan secured against eligible investments, your interest rate can be low.


Repayment schedule

We’ll help you create a repayment schedule with a term and amortization period that works for you.


Interest rate options

You decide if a fixed or variable interest rate is best for you.

Borrow up to $50,000

To be eligible, you must hold the following:

  • Bank bonds
  • GICs
  • Select Mutual Funds

What are my interest rate options?

Fixed Rate

This rate stays the same for the term chosen.

  • Ideal if you are looking for structured payments, want to know exactly when the loan will be paid off

Variable Rate

This rate changes whenever TD Prime Rate changes.

  • Ideal if you are not concerned with changing interest rates, and want to benefit from times when interest rates decrease
  • If interest rates decrease, more of your regular payment goes towards your principal, so you can pay off your loan faster1
  • If interest rates increase, more of your regular payment goes towards interest, and your amortization period will increase. Your regular payment may have to be adjusted periodically

Have a personal consultation to discuss your options. Call 1 877 247 2265

In the case of the unexpected, get flexible protection for your loan obligations.

Ready to apply?

Call us

Our banking specialists will help you with any questions you might have.
1 866 222 3456

Book an Appointment

By Address, Intersection, City, Postal Code OR by Branch Number

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What you’ll need:

  • Hold a TD Canada Trust account
  • Social Insurance Number (optional)
  • Current address and previous address (if current address is less than 3 years)
  • Your estimated income (sources and amount)
  • Your estimated monthly mortgage or rent amount
  • Your estimated monthly payments (loans, credit cards, lines of credit)
  • Household costs, (utility, property tax, insurance, etc)

Loans are available with a variety of terms. The term is the length of your current loan agreement. Typically, terms range from 1 to 5 years.
When a term ends, any balance you still owe can be repaid in full, or you may be offered a renewal term at current interest rate.

Amortization period is the length of time it takes to pay your loan in full, assuming the same interest rate and payment amount throughout.
Shortening your amortization period can help you reduce interest cost over the period but it will also increase your payments.

Secured loans and lines of credit are secured against your assets (home, investments, etc.), to protect the lender against any failure by you to meet your obligations. Because its secured you may get a lower rate or a higher credit amount.

The interest rate stays the same for the time period chosen.

The interest rate changes whenever TD Prime Rate changes.

The amount borrowed or still owed – not including interest.