Mortgage

Speak with a mortgage advisor at any step of the way

Make an appointment 

What’s your project?

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First-time home owners 

Benefit from our turnkey services to purchase your first home. 

Become a homeowner

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Secondary property

Cottage by a lake? Ski-in ski-out condo? Simplify the purchase of your new property.

Buy a new house

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Mortgage renewal

Review your finances and pay off your mortgage faster.

Renew your mortgage

Special offers on certain terms

5 year variable rate4

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4 year fixed rate1

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5 year fixed rate1

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Find the mortgage that’s right for you
 

See all rates

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Build your mortgage offer 

Get up to $4,400† cashback when you add eligible products and services to your mortgage. 

Discover our promotions

† Consult the terms and conditions of each promotion.

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A first step towards buying

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Pre-approval

Make a serious offer and protect your interest rate by getting a pre-approval.
 

Get a pre-approval

  • Guarantees your borrowing capacity and indicates the price range of properties that are within your means
  • Does not commit you to taking out a loan
  • Protects you from an interest rate increase for 90 days
  • Shows sellers and real estate brokers the seriousness of the steps you’re taking

Why choose National Bank?

Up to $3,000 cashback 3,000 cashback Up to
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Cashback

Having your mortgage with National Bank means you could benefit from up to $3,000 cashback.

The cashback offer is valid until March 31, 2023.

See details

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Personalized service

Our mortgage advisors are there to give you advice tailored to your needs.

Make an appointment

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Accelerated payments

Pay off your mortgage faster with flexible payments or by using your credit card points.

Discover the possibilities

Do your calculations

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How much can you borrow?

Estimate the mortgage amount you could get. 

Calculate my loan

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Calculate your monthly payments

Figure out how much you could repay each month based on your budget.

Calculate my payments

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Rent or buy?

Find out if it's more profitable for you to buy or rent.

Take the test

All your needs under one roof

Take advantage of the value of your home to fund other projects.

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Transferring your mortgage to National Bank could be profitable.

Use the repaid amount of your mortgage to carry out new projects.

Get financing or refinancing tailored to your situation.

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Protect yourself and your loved ones from the repayment of your mortgage in case of unforeseen circumstances.3

Use your RRSP for the down payment of your home.

Read our tips on buying a home

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Get your project off to a good start

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Ready to get the process started?

Make a serious offer and protect your interest rate by getting a pre-approval.

Get pre-approved

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Ask us your questions

Make an appointment with a mortgage advisor to discuss your project, no matter how far along you are in the process.
 

Make an appointment

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Talk to a mortgage
advisor now

 

1-855-755-9533 – option 6

Little details that matter

If you have any questions about buying a home, contact a mortgage advisor.

*Refers to standard rate. 

** Based on a mortgage loan of $350,000:

  • With a 5-year closed term at a fixed rate
  • A 25-year amortization 
  • An administration fee of $5.00 per month 
  • An appraisal fee of $350.00. The appraisal fee is subject to change and may not be required as part of the appraisal process for your mortgage application. 

*** The variation is subject to change without notice.

1. Rates may differ if amortization is more than 25 years. 

2. APR as of ${p1.tauxDateJour|date:"-"}. APR means "Annual Percentage Rate" and represents the total interest and fees charged by the Bank, expressed as an annual percentage.  

3. Certain restrictions apply.

4. The special offer on the variable rate is the base rate - spread (%), and is updated monthly. The offer cannot be combined or stacked with any other offer, promotion or benefit applicable to National Bank mortgages and is not retroactive. 

"Base Rate" means the annual interest rate that the Bank publicly announces from time to time as the reference rate used to establish the interest rate on Canadian dollar loans made by the Bank in Canada.