Transfer your mortgage

Switch to National Bank and get up to $3,000 cashback!

Make the switch

Transfer your mortgage today

You can switch to a National Bank mortgage at any time, up to your renewal date. Find out more about our great promotion and get expert advice to help you make an informed choice. 

3 good reasons to choose National Bank

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Get cashback

Get cashback

Switch your mortgage to National Bank and get up to $3,000 cashback.*  
See terms and conditions

Simplify your finances

Simplify your finances

Enjoy the convenience of having all your banking products under one roof. Transfer money seamlessly, pay bills, get better rates and more. 

Enjoy personalized service

Enjoy personalized service

Our mortgage experts are available to provide tailored advice

How to transfer your mortgage

step 1

Make the switch

Apply online or call us at 1-855-755-9533, option 6.

step 2

Speak with an advisor

We'll call you and help you choose the right mortgage. 

step  3

And that's it! 

We'll follow up with your existing provider to arrange the transfer and your mortgage will be moved to National Bank. 

Do the math!

Current mortgage rates

Starting from


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Call us at 1-855-755-9533, option 6 to get our best rates.

Mortgage payment calculator

Determine how much you could afford to pay each month based on your new rate.

Little details that matter

Terms and conditions of the mortgage transfer cashback offer

Cashback offer

Loan amount
Cashback amount

$100,000 to $249,999


$250,000 to $499,999


$500,000 to $749,999


$750,000 or more



To benefit from this offer, simply transfer your mortgage to National Bank, with or without financing, by October 31, 2022.

Terms and conditions


  • Fixed or variable rate mortgage with a term of 4 years or longer
  • Loan amount is $100,000 or more
  • Mortgage on an owner-occupied residential dwelling with 1 to 4 units
  • Loan must be disbursed within 90 days of application

Additional information

Only the mortgage balance can be transferred. You can apply to increase the mortgage amount when you switch.

Before you can make the transfer, you may have to complete certain steps and pay certain charges:

  • An appraisal, if applicable
  • Meeting with a legal professional 
  • Prepayment charge to the original lender, if the term has not yet expired

Legal and administrative fees will also apply.

Legal disclaimers

*The cashback offer is valid until October 31, 2022. The offer applies to clients who transfer an eligible mortgage of $100,000 or more to National Bank during the promotional period and at the rate currently in effect as advertised on National Bank’s website. The cashback will vary according to the amount of the mortgage and will be paid at the time of disbursement of the loan. The loan must be disbursed within 90 days of receiving the client's application for a loan transfer from National Bank.

The mortgage 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. 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 (with the exception of the mortgage loan insurance offer). There is a limit of one cashback per mortgage loan. The cashback amount varies according to the amount of the loan:

  • $1,000 cashback for loans between $100,000 and $249,999  

  • $1,500 cashback for loans between $250,000 and $499,999 

  • $2,500 cashback for loans between $500,000 and $749,999  

  • $3,000 cashback for loans above $750,000.  

The cashback amount cannot exceed $3,000 per loan. If all conditions are met, the cashback will be granted on the loan disbursement date. 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 remaining term. 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.

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

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

2. APR on ${p1.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 

Learn about our credit solutions

Mortgage refinancing

By refinancing your mortgage, you can power your life projects—whether you want to renovate, buy a new car or travel the world.

Learn about refinancing

Home equity line of credit

Refinance your mortgage with an All-In-One home equity line of credit to get easy access to credit whenever you need it.

See the All-In-One line of credit

Ready to switch to National Bank?

Apply online. It's fast and easy.

Make the switch


1-855-755-9533 option 6

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