Transfer your mortgage to National Bank

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

Drawing of a piggy bank in the shape of a home representing the promotional cashback offer

Get cashback

Take advantage of our promotional offer by transferring your mortgage to National Bank and you could receive up to $4,400 cashback.*
See terms and conditions

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

Our mortgage experts are available to provide tailored advice.

How to transfer your mortgage

Make the switch

Ask for a transfer online

Speak with our teams

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

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.

Make an appointment

Do the math!

Current mortgage rates

Starting from

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APR² : ${p1.tac5ans|percent:"true"}^*

Term: 5 years

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

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

See all rates

Mortgage payment calculator

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

Calculate your payments

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 1^st 2018 are not eligible to this offer.

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

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.

*The cashback offer is valid until March 31, 2023. 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