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Flexible Mortgage Payment Features
TD Mortgages have flexible payment options and can help you prepare for the unexpected. Whether you’re having a baby or your financial needs grow and change over time, TD Mortgages help you prepare for the unexpected with a range of flexible payment features to suit you.
Payment pause

If you need to take an emergency break from your payments, you can request to skip the equivalent of one monthly payment, partially or in full. This can be requested no more than once a calendar year, up to four times over the length of your amortization period.1
Payment vacation
If you know change is on its way, you can prepare by prepaying in advance. Request to take up to four months off your payments, partially or in full, if you have a prepaid amount that has reduced your amortization schedule. Prepayments can be made by either lump-sum payments towards your principal balance or by increasing your regular payments.1
Legal
1Subject to TD approval. Interest will continue to accrue during this period.