All-In-One Home Equity line of credit

Financing more than just a home
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Photo of two homeowners reviewing design blueprints for their house financed with an All-In-One Home Equity line of credit
Photo of two homeowners reviewing design blueprints for their house financed with an All-In-One Home Equity line of credit

At a glance

With the All-In-OneTM Home Equity line of credit, clients can finance the purchase of their home, renew their mortgage or refinance. This solution allows clients to use as much or as little of the available credit as needed, eliminating the need to apply for new financing for large purchases, home renovations, investment contributions or education financing.

Ideal for clients who’d like to

  • Find a solution to consolidate their loans and save on interest
  • Increase their assets
  • Simplify their banking operations and the management of their accounts
  • Have more flexibility in managing their financial needs

Go beyond your clients’ needs

More flexibility

Your clients’ minimum monthly payments include only interest and insurance premiums (if applicable). Managing their cashflow is up to them and they can adjust their payment amounts as necessary. They have the flexibility to use what they need and repay the loan in whole or in part, at any time and without penalty.

More tax deductibility

Your clients can open several distinct transactional accounts with the All-In-OneTM credit line. If an account is used for investments, they can isolate and deduct interest.

More possibilities

Clients can use as much or as little of the repaid principal as needed without applying for a new credit loan, freeing up cash flow for future investments or projects.

A line of credit for all your mortgage needs

  Two versions of the AIO  
Line of credit only Made-to-measure mortgage (loan AND line of credit) Mortgage loan
What is it? You can access your repaid principal to pay for other projects.

Use the line of credit portion to finance up to 65% of the value of the property. You can access your repaid principal.

Given a 20% down payment and a line of credit that covers 65% of the purchase price, the loan portion finances the remaining 15%. You can't access this portion of your repaid principal.

 A traditional loan, which must be repaid over a given term. You can't access your repaid principal.
Down payment More than 35% of the property's value. More than 20%. More than 5%.
Perfect if you're looking to: Get financing or refinancing equivalent to 65% of the property's value. Enjoy flexible financing together with the security of a traditional loan. Benefit from the peace of mind of knowing your payment schedule in advance.
Rate
See all rates

% variable
(Prime1 + %)

Fee of $7 per month per account.

Certain exemptions may apply.2

Line of credit portion
% variable
(Prime1 + %)

Fee of $7 per month per account.

Certain exemptions may apply.2

For the loan portion, choose a fixed rate, a variable rate, or a combination of the two.

 Choose a fixed rate, a variable rate, or a combination of the two.
Payments Decide your payment amount and frequency. Only interest and insurance, if applicable, must be paid.

Line of credit portion: decide your payment amount and frequency. Only interest and insurance, if applicable, must be paid.

For the loan portion, payments must be made as set out in the loan agreement.

 Payments must be made as set out in the loan agreement.
Access to funds Your repaid principal automatically becomes available online, at the ABM, via debit card, etc. For the line of credit portion, your repaid principal automatically becomes available online, at the ABM, via debit card, etc. To access funds, you'll need to apply for refinancing.
Additional payments No prepayment charge.

No prepayment charge on the line  of credit portion.

Loan portion: accelerated repayment possible under certain conditions.

 Accelerated repayment possible under certain conditions.

How it works?

Purchase or refinancing: Up to 65% of the value of the property.

Possibility of financing up to 80% of the value of the property if combined with a mortgage loan.

Your tools

Download our tool designed to discover the All-In-OneTM Home Equity line of credit with your clients. Compare it with a standard mortgage.

Download the document

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Monday to Friday, 8 a.m. to 8 p.m. ET

1-800-901-0172

The little details that matter

TM All-In-One is a trademark of National Bank of Canada.

Subject to credit approval by National Bank.

Subject to not exceeding the maximum line of credit amount available, i.e., 65% of the value of the property.

 

1. Interest rate on the All-In-One (line of credit portion)

 

As at August 19, 2026: 4.45% + 1.00% = 5.45%

 

This rate is variable and corresponds to Prime + 1.00%, and is one of the lowest rates on the market. "Prime" means the annual variable interest rate posted by National Bank from time to time, used by the Bank to determine the interest rates on the demand loans it grants in Canadian dollars in Canada. Consult the prime rate webpage to find out the day's rate.

 

1. Find all the applicable terms and conditions in the Fee Guide.