Mortgage rates

See current rates

Protect your rate

Make an appointment

Special offers on certain terms

PROMOTION

5 year fixed high ratio rate1

4.29%

4.33%**

APR2

PROMOTION

5 year fixed rate1

4.59%

4.63%**

APR2

PROMOTION

5 year variable rate7

4.45%

Prime rate –

0.50%***

4.49%**

APR2

Other promotional rates

Term
 Interest rate APR2

1 year fixed rate1

5.49%

5.61%**

2 year fixed rate1

4.79%

4.86%**

3 year fixed rate1

4.49%

4.54%**

4 year fixed rate1

4.54%

4.58%**

7 year fixed rate1

5.26%

5.29%**


Rate (%) as at 07-29-2025

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Build your mortgage offer

Take advantage of our mortgage solutions and you could be eligible for some savings*

Discover our offers

*For a limited time. Please refer to the terms and conditions of each promotion. 

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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 8 times a year. View dates

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.

Protect my rate

Make an appointment

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

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Calculate your renewal payments

Is your mortgage renewal approaching, and you want to calculate your budget? Learn the amount and frequency of your mortgage payments while still being able to save each month.

Calculate my payments

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 07-29-2025

Term Open Closed APR8**
Prime = 4.95%

3 months

---

7.84%

8.37%

6 months

9.75%

6.09%

Open: 9.98%
Closed: 6.31%

1 year

9.65%

6.09%

Open: 9.77%
Closed: 6.21%

2 years

---

5.39%

5.46%

3 years

---

6.05%

6.10%

4 years

---

5.99%   see the promo

6.03%

5 years

---

6.09%   see the promo

6.13%

Variable-rate loan

Variable-rate mortgage loan have an interest rate of Prime + 0.00%4 and are adjusted monthly. They allow you to take advantage of lower interest rates.


Rate (%) as at 07-29-2025

Mortgage Reference rate Difference Rate in effect* APR8**
Prime = 4.95%
Variable-rate mortgage (60 month term)

Prime rate

0.00%

4.95%

4.99%
Capped-rate mortgage (60 month term)

Prime rate

Capped rate5 = 5.95%

0.25%

5.20%

5.24%

Home equity line of credit

The All-In-OneTM 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 07-29-2025

  Prime rate
 Difference Rate in effect* Interest earned

Rate for the home equity line of credit

4.95%

1%

5.95%

0.01% 6

Fixed rate of 7$ per month, per account

See the line of credit

Explore our mortgage solutions

promo

Mortgage loan

Get financing for your project.

Home equity line of credit

Use the repaid amount of your mortgage to realize new projects.

Mortgage for the self-employed

Get financing or refinancing tailored to your situation.

Little details that matter

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 with pre-approval.

Get pre-approval 

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Ready to buy?

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

Apply for a loan

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Ask us your questions

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

Make an appointment

  

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Terms of use
National Bank’s virtual assistant

When using our Virtual Assistant Service (the "Chatbot"), you accept these Terms of Use, which are subject to change without notice. Furthermore, you agree to consult these Terms of Use from time to time and acknowledge that your continuing use of the Chatbot means that you have accepted any changes that may have been made. Your continued use of the Chatbot means that you’ve read, understand and agree to these Terms of Use, the Terms of Use for our website, our Online transaction services, and to our privacy policy. You also understand any other agreements that you have with us will continue to apply when you use the Chatbot.

1. Our Services and your responsibilities

The Chatbot is an automated service which is integrated into our online banking platform.

The Chatbot is preprogrammed to answer general questions concerning the use of our online banking platform solely for informational purposes. The Chatbot is not able to answer questions on personal monetary transactions or products you hold with us.

By using the Chatbot, you understand and agree that:

  • The Chatbot does not provide financial advice or financial planning services.
  • The Chatbot does not conduct any banking transactions.
  • The Chatbot may not be able to answer all your questions. Therefore, it may not be able to provide you with the information you require. You must judge whether the answer provided responds to your question accurately. In the case of uncertainty, a customer service representative would be happy to help you. You can call us toll free at 1-888-483-5628 or 514-394-5555.
  • The Chatbot is not a complaint service. You cannot use the Chatbot to file complaints. If you have any complaints, you can contact us at the number indicated above.
  • We monitor, record and store the discussion that you have with the Chatbot to improve our interactions with our clients.
  • You will not provide the Chatbot with any confidential, personal, or private information. For example, you will not provide the Chatbot with your login information, PIN or other personal banking information.

2. Limitation of Liability

You acknowledge that we won’t be liable for any losses or damages that you may suffer as a result of your use of the Chatbot, including if the Chatbot is unavailable for any reason.

We cannot guarantee that the results obtained via the Chatbot will be accurate and reliable and that the answers provided will meet your expectations.

We will not be held liable for damages you incur as a result of:

  • Any delay, error, interruption or omission on our part or any other event beyond our control.
  • Any deficiency or technical error or any unavailability of our systems and wireless networks.
  • Your failure to meet any of your obligations.
  • Any amendment to or suspension, refusal or blockage of the Chatbot.
  • Any decision or measure you take in response to information and data obtained via the Chatbot.
  • Any other damages you may incur that are not caused by negligence on our part.

3. Language

You have requested that these Terms of Use, and related documents be drawn up in English.

4. Governing Law

These Terms of Use are governed and must be interpreted in accordance with the laws in force in the province or territory where you reside. If you reside outside Canada, the laws in force and the courts of competent jurisdiction are those of the province of Quebec.

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