TD APItd.com ↗
Retrieve TD Canada Trust posted and promotional mortgage rates for every product — fixed, variable, open, and high-ratio — via a single structured API endpoint.
What is the TD API?
The TD Mortgage Rates API exposes 1 endpoint — list_mortgage_rates — that returns the full set of TD Canada Trust mortgage products, each carrying up to 12 structured fields including base rates, promotional special rates, APR, discount from base, and parallel rate objects for both standard and high-ratio mortgages. No inputs are required; a single call returns every current product sorted by product code.
No input parameters required.
curl -X GET 'https://api.parse.bot/scraper/1e540165-5169-476d-b2a6-c7210cc37311/list_mortgage_rates' \ -H 'X-API-Key: $PARSE_API_KEY'
Typed, relational, agent-ready
A generated client with real types, enums, and the links between objects — the structure a flat JSON response can't carry. Autocompletes in your editor and reads cleanly to coding agents.
- Fully typed · autocompletes
- Objects link to objects
- Typed errors & pagination
Typed Python client. Set up the SDK in your uv project, then pull this API’s typed client:
uv add parse-sdk uv run parse init uv run parse add --marketplace td-com-api
uv run parse add --marketplace pulls a pinned snapshot of this canonical API — it won’t change underneath you. To customize it, subscribe and swap to your own copy.
"""Walkthrough: TD Canada mortgage rates — fetch every product and inspect rates."""
from parse_apis.td_com_api import TdMortgages, ParseError
client = TdMortgages()
# List all mortgage products; limit= caps total items yielded.
for product in client.products.list(limit=5):
promo = product.rates.promotional
print(
f"{product.product_key} {product.rate_type} {product.term_months}mo "
f"open={product.is_open} base={product.rates.base_rate}% "
f"special={promo.special_rate}% apr={promo.apr}%"
)
# Drill into one product's high-ratio rates via .first()
try:
product = client.products.list(limit=1).first()
except ParseError as e:
# Upstream markup changed — surface the stable wire code for triage.
print(f"Parse failure ({e.code}): {e}")
product = None
if product is not None:
hr = product.high_ratio_rates
print(
f"\nHigh-ratio for {product.product_key}: "
f"base={hr.base_rate}% special={hr.promotional.special_rate}% "
f"discount={hr.promotional.discount_from_base}% "
f"posted_rate_enabled={hr.promotional.posted_rate_enabled}"
)
if product.name is not None:
print(f"Listed as: {product.name}")
print("\nexercised: products.list")
Returns every mortgage product in TD Canada's current rate feed, one row per product code, sorted by product code. Each row carries a `rates` object for a standard (non-high-ratio) mortgage and a `high_ratio_rates` object for a high-ratio mortgage; both have the same shape: `base_rate` is the posted rate in percent, and `promotional` holds the special (discounted) rate, the discount from the posted rate in percentage points (negative when the special rate is above the posted rate), the APR, and whether the site shows the posted rate for that product. `name` is the term label shown on the public mortgage-rates page and is null for feed products the page does not list (`listed_on_page` false). `rate_type`, `term_months` and `is_open` are decoded from the product code. Two upstream round trips per call (page plus rate feed); no pagination.
No input parameters required.
{
"type": "object",
"fields": {
"total": "number of products returned",
"products": "array of mortgage products, each with product_key, name, listed_on_page, rate_type (fixed|variable), term_months, is_open, rates and high_ratio_rates",
"source_page": "public page the product names were read from",
"products[].rates": "object: base_rate (posted rate, percent) and promotional {special_rate, discount_from_base, apr, posted_rate_enabled} for a standard mortgage",
"products[].high_ratio_rates": "same shape as rates, for a high-ratio mortgage"
},
"sample": {
"data": {
"total": 20,
"products": [
{
"name": "5 Year Fixed Closed",
"rates": {
"base_rate": 6.09,
"promotional": {
"apr": 5.161,
"special_rate": 5.14,
"discount_from_base": 0.95,
"posted_rate_enabled": false
}
},
"is_open": false,
"rate_type": "fixed",
"product_key": "MTGF060C",
"term_months": 60,
"listed_on_page": true,
"high_ratio_rates": {
"base_rate": 6.09,
"promotional": {
"apr": 5.161,
"special_rate": 5.14,
"discount_from_base": 0.95,
"posted_rate_enabled": false
}
}
},
{
"name": "5 Year Variable Open Mortgage",
"rates": {
"base_rate": 4.6,
"promotional": {
"apr": 7.771,
"special_rate": 7.75,
"discount_from_base": -3.15,
"posted_rate_enabled": false
}
},
"is_open": true,
"rate_type": "variable",
"product_key": "MTGV060O",
"term_months": 60,
"listed_on_page": true,
"high_ratio_rates": {
"base_rate": 4.6,
"promotional": {
"apr": 7.771,
"special_rate": 7.75,
"discount_from_base": -3.15,
"posted_rate_enabled": false
}
}
}
],
"source_page": "https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates"
},
"status": "success"
}
}About the TD API
What the API returns
The list_mortgage_rates endpoint returns an array of mortgage products under the products key, alongside a total count and a source_page URL. Each product entry includes a product_key, human-readable name, rate_type (either fixed or variable), term_months, an is_open flag indicating whether the mortgage is open or closed, and a listed_on_page boolean.
Rate objects: standard vs. high-ratio
Every product carries two parallel rate objects. rates holds the standard (non-high-ratio) pricing and high_ratio_rates holds the high-ratio pricing. Both objects share the same shape: a base_rate field for the posted rate (expressed as a percentage), and a promotional object containing special_rate, discount_from_base, apr, and posted_rate_enabled. This lets you compare standard and high-ratio options for the same product in a single response row without any additional calls.
Filtering and coverage
The endpoint takes no query parameters — it always returns the complete current product list. Filtering by term, rate type, or mortgage type is done client-side against the term_months, rate_type, and is_open fields returned in the response. Coverage is limited to TD Canada Trust products listed on the Canadian personal banking mortgage rates page.
The TD API is a managed, monitored endpoint for td.com — not a raw scraper you maintain. Every endpoint is automatically health-checked on a schedule, and when td.com changes and a check fails, the API is automatically queued for repair and re-verified. It is built to keep working as the site underneath it changes.
This isn't an official td.com API — it's an independent, maintained REST wrapper over public data. Where the source has no official API (or only a limited one), Parse gives you a stable contract over a source that never promised one, and keeps it current. Need a new endpoint or field? You can revise it yourself in plain English and the agent rebuilds it against the live site in minutes — contributing the change back to the shared API is free.
Will this API break when the source site changes?+
Is this an official API from the source site?+
Can I fix or extend this API myself if I need a new endpoint or field?+
What happens if I call an endpoint that has an issue?+
- Build a mortgage rate comparison dashboard that juxtaposes TD's posted
base_rateagainst promotionalspecial_ratefor each term. - Alert users when TD's
discount_from_baseon a specificterm_monthsproduct changes, signalling a rate promotion. - Populate a mortgage calculator with live
aprvalues for fixed and variable products to give accurate cost-of-borrowing estimates. - Track whether high-ratio mortgage rates (
high_ratio_rates.special_rate) differ from standard rates on a given product over time. - Feed a rate aggregator that monitors Canadian bank mortgage rates, using
listed_on_pageto surface only currently active products. - Generate a weekly rate-movement report comparing
base_ratetospecial_rateacross allterm_monthsvalues for fixed-rate closed mortgages.
| Tier | Price | Credits/month | Rate limit |
|---|---|---|---|
| Free | $0/mo | 200 | 5 req/min |
| Hobby | $30/mo | 1,000 | 20 req/min |
| Developer | $100/mo | 5,000 | 100 req/min |
| Team | $300/mo | 20,000 | 300 req/min |
| Company | $1,000/mo | 100,000 | 500 req/min |
Each endpoint has a fixed posted price per successful call — most fall between 1 and 10 credits — shown on this API's page before you run it. Exceeding the rate limit returns a 429 response. Authenticate with the X-API-Key header.
Does TD Bank have an official public developer API for mortgage rates?+
What does the `rates` object contain, and how does it differ from `high_ratio_rates`?+
base_rate (the posted rate as a percentage), and a promotional sub-object with special_rate, discount_from_base, apr, and posted_rate_enabled. The difference is that rates reflects pricing for a standard mortgage where the borrower has at least 20% equity, while high_ratio_rates reflects pricing for mortgages with less than 20% down payment. Both are present on every product row in the same API call.Does the API cover TD mortgage products outside Canada, such as TD Bank US rates?+
Can I retrieve historical mortgage rate data or track rate changes over time?+
list_mortgage_rates endpoint returns the current product rates only; there is no historical series or changelog in the response. You can fork this API on Parse and revise it to store snapshots on each call and expose a history endpoint.How should I identify a specific mortgage product across multiple calls?+
product_key field, which is a stable identifier assigned per product. Combining product_key with term_months, rate_type, and is_open gives you enough context to uniquely identify and track any product across successive responses.