Mortgage

We’re here for your mortgage questions

Make an appointment 

Photo of a couple holding a box and a child

What’s your project?

Picto of a house facing a mountain with a sign in front with a checkmark on it

First-time home owners 

Benefit from our turnkey services to purchase your first home. 

Become a homeowner

Illustration of a house on a cart

Mortgage refinancing 

Tap into your home's equity to finance your projects.

Apply for refinancing

Illustration of a house with a chimney and smoke making a percent sign

Mortgage renewal

Review your finances and pay off your mortgage faster.

Renew your mortgage

Special offers on certain terms

5 year variable rate4

4.45%

Prime rate – 0.50%***

(4.49%** TAC2)

3 year fixed rate1

4.69%

 

(4.74%* APR2)

4 year fixed rate1

4.64%

 

(4.68%* APR2)

5 year fixed rate1

4.59%

 

(4.63%** APR2)

Rate (%) as of 03-15-2025

Find the mortgage that’s right for you
 

See all rates

Illustration of a hand holding a house

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. 

Need advice?

Our team is here to answer all your questions.

Picto of two conversation bubbles with a question mark and the National Bank logo

Make an appointment

If you have any questions about your mortgage, fill out our form to receive a call from an advisor.

Request an appointment

Picto of a silhouette with a National Bank logo

Find a mortgage expert in your region

Need more personalized advice? Select one of our mortgage experts to guide you through every step of your project.

Choose an expert

You can also speak to one of our mortgage experts by calling us at 1-855-755-9533

Why choose National Bank?

Illustration of a house-shaped piggy bank with a coin being inserted

Cashback

If you transfer your mortgage to National Bank and select eligible products, you may be eligible for cashback.

View details

Illustration of a man on a computer screen with chat bubble containing a house

Personalized service

Our mortgage advisors are there to give you advice tailored to your needs.

Make an appointment

Illustration of circular diagram containing a question mark

Accelerated payments

Pay off your mortgage faster with flexible payments or by using your credit card points.

Discover the possibilities

Do your calculations

Illustration of bundle of banknotes with thought bubble containing a question mark

How much can you borrow?

Estimate the mortgage amount you could get. 

Calculate my loan

Picto of a calculator and house with the National Bank logo in the background

Calculate your monthly payments

Figure out how much you could repay each month based on your budget.

Calculate my payments

Illustration of house with thought bubble saying rent or buy

Rent or buy?

Find out if it's more profitable for you to buy or rent.

Take the test

Illustration of calculator and calendar joined by a plus symbol

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

Picto of a magic wand surrounded by stars

Pro tip!

Open an FHSA and start saving towards a down payment or other fees related to buying your first property.

All your needs under one roof

Take advantage of the value of your home to fund other projects.

promo

Transferring your mortgage to National Bank could be profitable.

Use the repaid amount of your mortgage to carry out new projects.

Get financing or refinancing tailored to your situation.

promo

Protect yourself and your loved ones from the repayment of your mortgage in case of unforeseen circumstances.3

Use your RRSP for the down payment of your home.

A first step towards buying

Illustration of a completed form

Pre-approval

Make an offer and protect your interest rate by getting a pre-approval.
 

Get a pre-approval

  • Guarantees your borrowing capacity and indicates the price range of properties that are within your means
  • Doesn’t commit you to taking out a loan
  • Protects you from an interest rate increase for 90 days
  • Shows sellers and real estate brokers the seriousness of the steps you’re taking

Read our tips on buying a home

No Result found

See all articles

Getting your project off on the right foot 

Icon of a filled-out form

Ready to get the process started?

Make an offer and protect your interest rate by getting a pre-approval.

Get pre-approved

Chat bubbles icon with a question mark and the National Bank logo

Ask us your questions

Make an appointment with one of our advisors for all your mortgage questions.

Make an appointment

Icon of a silhouette with the National Bank logo

Talk to a mortgage
expert

Our mortgage experts are here to provide you with personalized advice to help you move forward with your project.

Find an expert

Little details that matter

Back
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.

Virtual assistant