Make your home-buying project a reality and get up to $2,000*
Inspection, legal fees, moving expenses, and more—buying a home isn't cheap! Our cashback offer could be the financial boost you need.
Hurry, this offer ends October 31, 2018.
cashback on a mortgage over $200,000*
cashback on a mortgage
between $100,000 and $200,000*
Cashback must be deposited in a National Bank transactional account.
Quick tip
Our handy calculators let you try out different scenarios so you can estimate your borrowing capacity and monthly payment amounts.
Fixed rate |
Variable rate |
Made-to-measure mortgage(fixed AND variable) |
|
What is it? | Your interest rate remains the same for the entire term |
Your interest rate can go up or down based on market fluctuations |
Your mortgage includes a fixed-rate portion, a variable-rate portion and home equity line of credit (optional). |
Perfect if you're looking to: | Enjoy the security of equal mortgage payments for the duration of the term |
Save on interest if rates go down |
Enjoy the advantages of both variable and fixed interest rates |
Rate See all rates |
Choose this option for peace of mind |
Get the lowest rate on the market |
Get the stability of a fixed rate and the potential savings of a variable rate |
Term | Open: |
Closed |
Fixed rate portion:
Closed |
Duration of the term |
Open: Closed : |
5 years |
Fixed rate portion:
Variable-rate portion: |
Repayment | 4 accelerated repayment options |
4 accelerated repayment options |
Based on the type of solution (loan or line of credit) and the rate |
Offered on certain mortgage terms
Eligibility
Take advantage of special offers when you choose one of the following solutions:
These special offers offer a reduced rate for the selected term4:
Get an edge over other buyers and guarantee your interest rate for 90 days with a mortgage pre-approval—it's free and there's no obligation to buy.
Tip
Protect your loan so that your loved ones don't inherit your debt. Mortgage loan insurance covers your payments in the event of disability, critical illness or death8.
Prepare my loan application
Here are the main steps in preparing a mortgage application.
Consult the page on preparing a loan application for more information. Don't forget that your mortgage advisor can help you out!
Quickly access your documents
Need to access your tax information and assessments so you can complete a mortgage application? Use SecureKey concierge service—it's user-friendly, fast and secure.
TM All-In-One is a trademark of National Bank of Canada.
1. Subject to credit approval by National Bank of Canada.
2. The minimum downpayment is 5% if the mortgage is insured by Genworth Financial Canada or the Canada Mortgage and Housing Corporation. Some restrictions may apply.
3. Accelerated payments can be made without penalty under certain conditions.
4. 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. This mortgage offer cannot be combined with any other offer, promotion or advantage at National Bank. Employees of National Bank and its subsidiaries and entities are not eligible for this offer. National Bank reserves the right to end this offer at any time without notice. All details and conditions are available in branches.
5. Rates may differ if the amortization period is more than 25 years. For more information, please contact an advisor.
6. APR means "Annual Percentage Rate" and represents the total interest and fees charged by the Bank, expressed as an annual percentage. Because the cost of borrowing consists solely of interest, the APR corresponds to the annual interest rate in effect as at October 20, 2017.
7. The rate can be guaranteed for up to 90 days following receipt of the application.
8. Certain conditions apply.
9. Subject to credit approval by National Bank of Canada. Certain conditions apply.
*This offer is valid from February 18th to October 31, 2018. The offer applies to clients who have been approved by National Bank for new mortgage loan of $100,000 or more insured by the Canada Mortgage and Housing Corporation (CMHC) or by Genworth. The loan must be disbursed within 90 days of receiving the client's application for an insured loan from National Bank. The mortgage loan must have a fixed or variable rate with a term of 4 years or longer. The loan must be for an owner-occupied residential dwelling with 1 to 4 units. To take advantage of this offer, you are required to open or must already have a transaction account in one of our branches. The offer may be modified, extended, or withdrawn without prior notice at any time. The offer may not be combined or used with any other National Bank offer, promotion or benefit. There is a limit of one cashback per mortgage loan. The cashback amount varies according to the amount of the insured loan: $1,000 cashback for loans between $100,000 and $200,000, and $2,000 cashback for loans above $200,000. The cashback amount cannot exceed $2,000 per loan. If all conditions are met, the cashback will be granted on the loan disbursement date and deposited into your National Bank transaction account. You must maintain your mortgage loan for the duration of the term; otherwise, you will be required to reimburse a portion of the cashback received, in proportion to the term still remaining. Mortgage loans are subject to credit approval by National Bank of Canada. Employees of National Bank and its subsidiaries and entities are not eligible for the offer.
Apply online and a mortgage advisor will contact you.