TORONTO, Jan. 12, 2012 /CNW/ - TD Canada Trust lowers six- and seven-year special fixed rate mortgage offers, effective January 13, 2012.

"In the current environment and with changes is fixed and variable mortgage rates, many Canadians are re-evaluating their mortgage strategies with more considering fixed rate options," says Farhaneh Haque, Director, Mortgage Advice, TD Canada Trust. "For first time homebuyers, the right mortgage option should take into account your comfort with interest rate risk, affordability and flexible payment options. TD Canada Trust has a full range of mortgage products to suit the needs of homeowners and we're excited to be able to add another attractive option with these special offers."

The changes are as follows:

Special Fixed Rate Offers* To:   Change:
6-year closed special     3.79%   -1.32%
7-year closed special     3.99%   -0.91%

*Rates calculated semi-annually, not in advance. Special rate is a discount off of TD Canada Trust's posted rate. Special offer expires February 29, 2012.

About TD Bank Group
The Toronto-Dominion Bank and its subsidiaries are collectively known as TD Bank Group (TD). TD is the sixth largest bank in North America by branches and serves approximately 20.5 million customers in four key businesses operating in a number of locations in key financial centres around the globe: Canadian Personal and Commercial Banking, including TD Canada Trust, TD Insurance, and TD Auto Finance Canada; Wealth Management, including TD Waterhouse and an investment in TD Ameritrade; U.S. Personal and Commercial Banking, including TD Bank, America's Most Convenient Bank, and TD Auto Finance U.S.; and Wholesale Banking, including TD Securities. TD also ranks among the world's leading online financial services firms, with more than 7.5 million online customers. TD had CDN$686 billion in assets on October 31, 2011. The Toronto-Dominion Bank trades under the symbol "TD" on the Toronto and New York Stock Exchanges.

Barbara Timmins/ Tamar Nersesian
Media Relations, Corporate and Public Affairs, TD Bank Group
Barbara.Timmins@td.com / Tamar.Nersesian@td.com
416-30

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