Build your mortgage offer

Add eligible products and services to your mortgage and get up to $4,400 cashback*

Make an appointment

*Limited time offer. Consult the terms and conditions of each promotion.

Illustration of a house between two apartment buildings with a price tag that says up to $4,400

Your mortgage offer: combine our promotions for even more cashback

Congrats, you’re finally getting ready to buy THE house of your dreams.

To celebrate, we’re offering up to $4,400 cashback when you get a mortgage and add a mortgage loan insurance and open a National Bank chequing account.*

In addition to getting cashback, enjoy peace of mind by having your banking products and services under the same roof. This makes it easy to keep track of your mortgage, house insurance and mortgage payments from your chequing account. Convenient, isn't it?  

*These promotions are available for a limited time. Consult the terms and conditions of each promotion.

Drawing of a suitcase that says up to $4,400 written on it representing mortgage offers

Our promo details to build your mortgage offer

Our three promotions below can be combined to get up to $4,400 cashback. Each promotion is subject to its terms and conditions. To learn more, read the Little details that matter section.

Up to
$3,000 cashback

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Mortgage promotion 

★ Promotion available until March 31, 2023 on a new eligible mortgage of $100,000 or more. Four-year commitment minimum.

Up to
$1,000 cashback

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Mortgage loan insurance promotion

★ Promotion available until March 31, 2023 on a new eligible mortgage of $100,000 or more covered by a minimum of three coverages.

Up to
$400 cashback

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Chequing account promotion with a mortgage

★ Promotion available until March 31, 2023 for clients with a new chequing account. View eligible packages and required transactions.

We’ll be happy to assist you in choosing eligible products and services to build your mortgage offer.

Special offers on certain terms

5 year variable rate2

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4 year fixed rate1

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Find the mortgage that’s right for you

See all rates

Rate (%) as of ${p1.tauxDateJour|date:"-"}

Future homeowners, we’re here to help

Buying a home is so much more than just a mortgage. That's why we’re here to support you throughout the whole process of the purchase. Our personalized advice and tools are designed to meet your needs:

  • Got important purchases coming up? Our credit cards can be used to pay for certain expenses4.
  • To deal with the unexpected and protect yourself in the event of overdrafts, a line of credit may be right for you4.
  • To help you better anticipate tax payments, a systematic savings plan can be a practical solution. 
     
Illustration of a toolbox shaped like a house with the National Bank logo

We’re here to help 

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Ask your questions

Our mortgage advisors are there to help you build your offer.

 

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Talk to a mortgage expert

Ready to buy?

Fill out our mortgage loan form, and an advisor will assist you.

 

Little details that matter

Loan
Cashback amount
$750,000 or more
$3,000
$500,000 to $749,999 $2,500
$250,000 to $499,999 $1,500
$100,000 to $249,999 $1,000
Loan
Cashback amount
$750,000 or more
$3,000
$500,000 to $749,999
$2,500
$250,000 to $499,999
$1,500
$100,000 to $249,999
$1,000

Eligibility 

To take advantage of this special offer, simply sign up for a National Bank mortgage loan by March 31, 2023. 

 

Conditions 

The mortgage loan must: 

  • have a fixed or variable rate with a term of 4 years or longer 

  • be for an owner-occupied residential dwelling with 1 to 4 units 

  • be disbursed within 90 days of receiving the client's application 

The promotional offer is valid until March 31, 2023 (the "promotional period"). 

This offer is intended for individual National Bank clients who take out a mortgage of $100,000 or more and sign up for 3 or more types of loan insurance (life, disability and critical illness) during the promotional period. The cashback amount varies based on the number of types of coverage taken out by the borrower and co-borrowers, if any, and the amount of the loan covered by life insurance. The client must sign up for mortgage insurance when the loan is granted or by the time the loan is disbursed. The mortgage insurance application must be signed during the promotional period. 

This offer can be applied to a new purchase, external refinancing or mortgage transfer. The financing must be for a residential dwelling with 1 to 6 units. Mortgage renewals, internal refinancings and mortgage renegotiations are excluded from this offer. 

The cashback amount may be up to $1,000. 

Amount covered by life insurance 

Between $100,000 and $399,999.99 

Number of loan insurance coverage
Total cashback
3 types of coverage
$200
4 types of coverage
$400
5 or more types of coverage
$600
Number of loan insurance coverage
Total cashback
3 types of coverage
$200
4 types of coverage
$400
5 or more types of coverage
$600

Amount covered by life insurance 

$400,000 or more

Number of loan insurance coverage
Total cashback
3 types of coverage
$400
4 types of coverage
$800
5 or more types of coverage
$1000
Number of loan insurance coverage
Total cashback
3 types of coverage
$400
4 types of coverage
$800
5 or more types of coverage
$1000

If all conditions are met: 

  • The first half of the cashback will be paid out during the month after the loan is disbursed 

  • The remaining half of the cashback will be paid out 6 months after the loan is disbursed 

The cashback will be paid via two (2) deposits to the bank account the mortgage payments are collected from, no more than 30 days after terms and conditions are met. No insurance claims must have been accepted for the loan within the first 6 months after disbursement, for all parties insured. To qualify for the full cashback, the client must keep all types of coverage they took out at the time of disbursement, without changing the coverage amount, for 6 months following loan disbursement and must be up to date on their mortgage payments. Employees of National Bank and its subsidiaries and entities are eligible for this offer. 

The offer may be modified, extended or withdrawn at any time without prior notice. The offer may not be combined with any other National Bank offer, promotion or benefit and is not retroactive. There is a limit of one cashback per eligible mortgage for the entire promotional period, regardless of the number of co-borrowers. A client may not take advantage of this offer more than once. 

The promotional offer is valid until  March 31, 2023 (“promotional period”).  

The offer is open to anyone who has a mortgage or is in the process of obtaining mortgage financing from National Bank and does not have a chequing account with National Bank. 

The offer may be modified, extended, or withdrawn without prior notice at any time. You must have reached the age of majority at the time of your chequing account opening. Employees of National Bank and its subsidiaries and entities are not eligible. The offer may not be combined or used with any other National Bank offer, promotion or benefit applicable to chequing account and banking packages and offers and it cannot be applied retroactively. There is a limit of one cashback per eligible banking package and eligible banking offers during this promotion. The client cannot benefit of the offer more than once. Only the primary account holder is eligible for the offer. The actual secondary account holders that open a new account are not eligible to the offer.  

Eligible products  

To be eligible to the offer you must open a new chequing account with an eligible banking package or sign up to an eligible banking offer described below and fulfill all the conditions. 

Eligibles products
Cashback offer
Offers for professionals
$400
The Connected® banking package
$400
The Total® banking package
$400
Eligibles products
Cashback offer
Offers for professionals
$400
The Connected® banking package
$400
The Total® banking package
$400

Conditions to obtain the additional cashback

After opening a chequing account with an eligible banking package or offer within the promotional period you must fulfill 2 of the 3 following conditions to get the 400$ cashback:  

  • Set up and make one (1) bill payment to a service provider (i.e. utility bill, cable, internet, phone, public transport etc.) of at least 50$ through NBC online banking or your NBC mobile app. The bill payment must be debited from your new bank account 

  • Set up one recurring direct deposit of your payroll or monthly recurring pension  

  • Set a recurring and automated payment of your National Bank mortgage from your new bank account You benefit of 150 days following the checking account opening to meet the offer conditions and obtain the cashback. 

You benefit of 150 days following the chequing account opening to meet the offer conditions and obtain the cashback.  

Time to get cashback  

If you fulfill the conditions of the offer, the cashback will be deposit in your new National Bank chequing account within 180 days of the opening date of your chequing account.  

Commitment

To get cashback, you must maintain the eligible products and services and keep your chequing account in good standing at the moment you deposit the cashback. An “account in good standing” means an account that is not overdrawn or has not been frozen due to suspicious activity. 

Clients who have benefited from a cashback offer on their chequing account since November 1st 2018 are not eligible to this offer.  

® THE CONNECTED and THE TOTAL are registered trademarks of National Bank of Canada.

**Refers to standard rate.  

***Based on a $350,000 fixed-rate mortgage: 

  • With a 5-year closed term 

  • With 25-year amortization  

  • With a $5/month administration fee  

  • With a $350.00 appraisal fee. The appraisal fee may be adjusted or may not be charged as part of the assessment of your mortgage application. 

1. Rates may differ if amortization is more than 25 years. Contact an advisor for more information.  

2. 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.   

3. 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. 

4. Subject to credit approval by National Bank.