Mortgage calculators

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Check out our tools

How much can you borrow

How much can I borrow?

Calculate how much you can afford to spend on your mortgage.1

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Calculate my payments

Determine how much you can pay each month, then compare payment frequencies to see how much you could save.

Calculate my payments

Rent or buy

Should you rent or buy?

Are you better off renting—and not having to worry about taxes, home repairs and other expenses? Or would buying a home be a good long-term investment? Find out which option is right for you.

House contract

Apply for a mortgage pre-approval

Guarantee your financing by National Bank without committing to a loan. You’ll get an edge over other buyers and guarantee your interest rate for 90 days.

Get pre-approved

Calculate prepayment charges

Calculate mortgage prepayment charges

If you pay off all or part of your loan earlier than expected, you may have prepayment charges to pay. Get an estimate of the amount.

Calculate my prepayment charges

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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

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Avoid surprises!

A pre-authorization guarantees the amount you can borrow and protects your rate with no obligation to commit to a loan. A pre-qualification, on the other hand, is an estimate for the amount you can borrow to buy a home.

 

Estimate your prepayment charges

If you repay your loan early, you might incur prepayment charges. Estimate how much you'll have to pay based on your loan type and repayment method.

Calculate your charges

 

Little details that matter

Understanding mortgages

Ready for the next step?

Get an edge with sellers and guarantee your interest rate for 90 days with a mortgage pre-approval—it's free and there's no obligation to buy.

Get pre-approved
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Ask us your questions

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

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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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