Stuck in a collateral mortgage product?  If you didn’t know, anyone who gets a mortgage from TD is automatically put into a collateral charge.  There is no option with this and TD is not the only bank doing this.  The problem with this is come time to renew, you can’t leave TD without spending at least $1000 bucks in legals. I have great news.  I can now switch you out of a TD mortgage on renewal, saving you $$$ and giving you options better than TD or the other banks that try and lock you in without you knowing!  Questions?  Contact me!!