Reduced Rate Offers

Get some peace of mind and protect yourself against interest rates that may rise over the long term.

With those special offers, you can lock-in the amount of your payments for the selected term at an attractive rate2.

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Term3 Offered rate 
(APR equivalent4)
4-year fixed interest rate 3.49%1
5-year fixed interest rate 3.54%1

Examples of potential savings (mortgage amortized over 25 years with a 5-year fixed-rate):

Loan amount Reduced rate
(APR equivalent4)
Regular rate
(APR equivalent4)
over 5 years5
$100,000 3.54%1 5.14%  $ 7 650,96
$200,000 3.54%1 5.14% $15 301,92
$300,000 3.54%1 5.14% $22 952,88

This table constitutes a hypothesis and is used to illustrate the benefits that could be derived from this product under identical conditions. This data does not in any way create a legal or contractual obligation for National Bank.


To take advantage of our special offers, simply sign up for one of the following solutions:

  • A 4 or 5-year fixed-rate mortgage (first ranking);
  • An All-In-One line of credit with integrated 4 or 5-year fixed rate mortgage loans;
  • A Multi-Choice mortgage with a 4 or 5-year fixed-rate portion (1st rank).

View all our mortgage solutions

Make an online application

Make an online application 

Or call us!

Contact a National Bank mortgage expert without delay for more information about this mortgage offer.




1 The rate can be guaranteed up to 90 days following receipt of the request.
2 Financing subject to credit approval by National Bank. Limited-time offer. Rates are subject to change. Financing must be for a residential dwelling with 1 to 4 units. These mortgage offers cannot be combined with any other offer, promotion or advantage at National Bank. Employees of National Bank, its subsidiaries and affiliates are not eligible for these offers. National Bank reserves the right to end the promotion at any time without notice. Complete details and conditions are available in branches.
3 Rates may differ if amortization exceeds 25 years. For more information, please contact an advisor.
4 APR means "Annual Percentage Rate" and represents the total interest and fees charged by the Bank, expressed as an annual percentage. As borrowing costs consist only of interest, the APR is the annual interest rate in effect as at January 16, 2018.
5 Theses examples are based on a five-year term and a hypothetical rate of 5.14%. The reduced payments will result in savings on interest and a higher proportion of principal repaid.