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What is the energy-efficient homes promotion?

Our energy-efficient homes promotion offers an additional 25% cashback (up to $5,000) for those purchasing a property that meets their loan insurer’s energy-efficiency criteria. This is on top of the 25% mortgage insurance premium cashback already provided by the insurer.

The promotion is valid for mortgages disbursed between February 1, 2024, and October 31, 2025. Before applying, you must provide proof of repayment from your insurer.

Eligibility criteria:

  • Have an insured and eligible mortgage loan disbursed by National Bank during the promotion period with a down payment of less than 20% (high-ratio mortgage).
  • Be insured and approved by an eligible loan insurer (CMHC-SAGEN-Canada Guaranty).
  • Ensure the property meets the energy efficiency criteria determined by the eligible insurers and provide proof that the 25% refund has been received from the loan insurer.
  • Have a National Bank account to receive the additional cashback.
  • 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 term remaining. 

If all conditions are met, you will receive 25% cashback on the loan insurance premium within 10 days after providing proof of the 25% refund from the loan insurer.

For more information, contact your advisor, or consult your insurer's criteria:

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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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