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Mortgage rates

See current rates

Protect your rate

Special offers on certain terms

 

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Fixed rate1

 

4-year
Term


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APR2

 

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Fixed rate1

 

5-year
Term


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APR2

Save more!

Receive up to $2,000 cash back with a mortgage loan

Discover cashback offer


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

What you need to know before you buy your dream home

FIxed-rate

Fixed rate

The interest rate is set when you take out a mortgage and isn't affected by rate fluctuations. Only available on loans.4

Perfect if you're looking to:

  • Make equal payments throughout the duration of the term
  • Protect yourself from interest rate fluctuations
Variable-rate

Variable rate

The interest rate increases and decreases with market fluctuations. Available on loans and lines of credit.4

Perfect if you're looking to:

  • Save on interest if rates go down
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Hesitating between a fixed or variable rate?

Enjoy the advantages of both with a mixed rate.

Learn more

Fixed-rate loan

Your interest rate is set when you take out a mortgage and isn't affected by interest rate fluctuations. Fixed rates are only offered on mortgage loans.


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

Term Open Closed

3 months

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6 months

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1 year

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2 years

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3 years

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4 years

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${p1.taux4ansF|percent:"true"}   see promo

5 years

---

${p1.taux5ansF|percent:"true"}   see promo

See all fixed-rates

Term Open Closed

6 years

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7 years

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10 years

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1 month5

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Variable-rate loan

Variable-rate mortgage loans have an interest rate of Prime + ${p2.ecart|percent:"true"}6 and are adjusted monthly. They allow you to take advantage of lower interest rates.


Rate (%) as at ${p2.tauxDateJour|date:"-"}

  Reference rate Difference Rate in effect
Prime = ${p1.tauxBase}
Variable-rate mortgage (60 month term)

Prime rate

${p2.ecart|percent:"true"}

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Capped-rate mortgage (60 month term)

Prime rate7 = ${p3.tauxPlafond|percent:"true"}

${p3.ecart|percent:"true"}

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Home equity line of credit

The All-In-OneTM is a line of credit that lets you leverage your home equity to finance new projects, such as renovations or travel. It features a variable interest rate.


Rate (%) as at ${p2.tauxDateJour|date:"-"}

  Prime rate
Difference Rate in effect Interest earned

Rate for the home equity line of credit

${p1.tauxBase|percent}

${p5.ecart|percent}

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0,25 % 8

Fixed rate of 7$ per month, per account

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Quick tip

Your home is one of the biggest purchases you'll make in your life. Our calculators will help you make the right decisions and find the best solution for you!

Little details that matter

Legal disclaimers

TM ALL-IN-ONE is a registered trademark of National Bank of Canada.

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

2. 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 ${p2.tauxDateJour|date:"-"}.

*APR as at ${p2.tauxDateJour|date:"-"}.  APR— or Annual Percentage Rate—refers to the total cost of borrowing for a year. It includes the total interest and fees charged by the Bank based on a $300,000 fixed-rate mortgage for a 4-year closed term and 25-year amortization, and assumes a $5/month administration fee and a $330.00 appraisal fee. The appraisal fee may be adjusted or may not be charged as part of the assessment of your mortgage application.

**APR as at ${p2.tauxDateJour|date:"-"}.APR— or Annual Percentage Rate—refers to the total cost of borrowing for a year. It includes the total interest and fees charged by the Bank based on a $300,000 fixed-rate mortgage for a 5-year closed term and 25-year amortization, and assumes a $5/month administration fee and a $330.00 appraisal fee. The appraisal fee may be adjusted or may not be charged as part of the assessment of your mortgage application.

3. Rate guaranteed for up to 90 days following receipt of the request.

4. Subject to credit approval by National Bank of Canada. Certain conditions apply.

5. This term is not available for new loans. It is provided for reference purposes only.

6. Subject to change without notice

7. A capped rate is an interest rate that fluctuates but never exceeds the interest rate cap. The cap is the maximum interest rate you pay on your loan. This rate is offered with a five-year term.

8. Interest income (interest paid on bank accounts grouped under the line of credit).

0,00% for lines of credit of $1 to $4,999.99

0.25% for lines of credit of $5,000 or more

Learn about our mortgage solutions

Mortgage loan

Whether you want the peace of mind that comes with a fixed rate, the potential interest savings of a variable rate, or a combination of the two, we've got the mortgage loan for you.4

See our mortgage loans

Home equity line of credit

Buy a home with the All-In-One™ line of credit and leverage your home equity to finance new projects, like renovations or travel.8

See the All-In-One line of credit

Ready to get started?

Get an edge over other buyers and guarantee your interest rate for 90 days3 with a mortgage pre-approval—it's free and there's no obligation to buy.

Get pre-approved
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