Mortgage rates

See current rates

Protect your rate

Special offers on certain terms

5 year variable rate⁷

${p2.tauxPromo5ansF|percent:"true"}

Prime rate – ${p2.tauxBase|percent:"true"}***

(${p2.tac5ans|percent:"true"}** APR²)

4 year fixed rate¹

${p1.tauxPromo4ansF|percent:"true"}

(${p1.tac4ans|percent:"true"}** APR²)

5 year fixed rate¹

${p1.tauxPromo5ansF|percent:"true"}

(${p1.tac5ans|percent:"true"}** APR²)

Build your mortgage offer

Get up to $4,400^† cashback by adding eligible products and services to your mortgage.

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

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

How to protect yourself against rising mortgage rates

Several factors affect mortgage rates, including amortization period, market conditions and the key rate set by the Bank of Canada. While there are no guarantees that another hike is on the way, the key rate will be revised again on 2022-10-26.

Planning to buy a home within the next few months?

Apply for pre-approval online today. There’s no obligation to take out a loan, but your rate will be protected for 90 days⁹ — so you can shop for a home with peace of mind.

Need help?

A mortgage advisor can help you complete your application so you can enjoy additional savings.

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Fixed-rate loan

Your interest rate is set as soon as you take out your mortgage. This rate is not affected by fluctuations for the duration of your term. This type of rate is only available with a mortgage loans.

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

Term	Open	Closed	APR⁸
3 months	---	${p1.taux3moisF\|percent:"true"}	6.52%
6 months	${p1.taux6moisO\|percent:"true"}	${p1.taux6moisF\|percent:"true"}	Open: 9.38% Closed: 6.31%
1 year	${p1.taux1anO\|percent:"true"}	${p1.taux1anF\|percent:"true"}	Open: 9.27% Closed: 6.21%
2 years	---	${p1.taux2ansF\|percent:"true"}	6.16%
3 years	---	${p1.taux3ansF\|percent:"true"}	6.09%
4 years	---	${p1.taux4ansF\|percent:"true"} see the promo	6.08%
5 years	---	${p1.taux5ansF\|percent:"true"} see the promo	6.18%

Term	Open	Closed	APR_⁸
6 years	---	${p1.taux6ansF\|percent:"true"}	6.53%
7 years	---	${p1.taux7ansF\|percent:"true"}	6.62%
10 years	---	${p1.taux10ansF\|percent:"true"}	6.97%
1 month³	---	${p1.taux1moisF\|percent:"true"}	TAC not applicable³

Variable-rate loan

Variable-rate mortgage loan have an interest rate of Prime + ${p2.ecart|percent:"true"}⁴ 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*	APR⁸
Prime = ${p1.tauxBase}
Variable-rate mortgage (60 month term)	Prime rate	${p2.ecart\|percent:"true"}	${p2.taux5ansO\|percent:"true"}	4.74%
Capped-rate mortgage (60 month term)	Prime rate Capped rate⁵ = ${p3.tauxPlafond\|percent:"true"}	${p3.ecart\|percent:"true"}	${p3.taux5ansO\|percent:"true"}	4.99%

Reference rate

Difference

Rate in effect*

APR⁸

Prime = ${p1.tauxBase}

Variable-rate mortgage (60 month term)

Prime rate

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

${p2.taux5ansO|percent:"true"}

4.74%

Capped-rate mortgage (60 month term)

Prime rate

Capped rate⁵ = ${p3.tauxPlafond|percent:"true"}

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

${p3.taux5ansO|percent:"true"}

4.99%

Home equity line of credit

The All-In-One^TM home equity line of credit allows you to use the principal you repay to finance new projects, like renovations or travel. The rate is variable.

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

	Prime rate	Difference	Rate in effect*	Interest earned
Rate for the home equity line of credit	${p5.tauxBase\|percent:"true"}	1%	${p5.taux\|percent:"true"}	${p5.interetCredT2\|percent:"true"}⁶
Fixed rate of 7$ per month, per account

See the line of credit

Interest earned (interest paid on accounts grouped together in the AIO)
Prime = ${p5.tauxBase\|percent:"true"} All-in-one = Prime + ${p5.ecart\|percent:"true"} = ${p5.taux\|percent:"true"} $6.00/month for the main account
$0 to $4,999.99	${p5.interetCredT1\|percent:"true"}
$5,000 to $24,999.99	${p5.interetCredT2\|percent:"true"}
$25,000 to $59,999.99	${p5.interetCredT3\|percent:"true"}
$60,000 to $99,999.99	${p5.interetCredT4\|percent:"true"}
$100,000 or more	${p5.interetCredT5\|percent:"true"}

Explore our mortgage solutions

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Home equity line of credit

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Mortgage for the self-employed

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Little details that matter

*Refers to standard rate.

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

With the chosen 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. The evaluation fee is not applicable during a renewal.

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

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

Rates may differ if the amortization period is more than 25 years. Contact an advisor for more information.
APR as of ${p2.tauxDateJour|date:"-"}. APR means "Annual Percentage Rate" and represents the total interest and fees charged by the Bank, expressed as an annual percentage.
This term is not available for new loans. It is provided for reference purposes only.
Subject to change without notice
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.
Interest income (interest paid on bank accounts grouped under the line of credit).
- ${p5.interetCredT1|percent:"true"} for lines of credit of $1 to $4,999.99$
- {p5.interetCredT2|percent:"true"} for lines of credit of $5,000 or more
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.
Updated ${p2.tauxDateJour|date:"-"}. All content provided is for informational purposes only. There may be a delay in information updates. To obtain the current APR, please contact your advisor. The evaluation fee is not applicable during a renewal.
The rate can be guaranteed for up to 90 days following the receipt of your application.