PRE-QUALIFICATION

How much can I borrow?

Estimate your maximum loan amount in two minutes


Pre-qualify for your mortgage

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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. 

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Pro tip!

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

 

Pre-qualification or pre-approval?

What’s the difference between the two? Pre-qualification gives you an overview of your borrowing capacity, while pre-approval guarantees your financing and protects your rate for 90 days, without committing to a loan. Put yourself in a good position to negotiate and purchase a home by requesting a pre-approval now. 

Read the details

 

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Pre-qualification: 

  • Allows you to estimate your borrowing capacity and indicates the price range of properties that are within your means
  • Does not 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


Get a pre-qualification

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Pre-approval:

  • Guarantees your borrowing capacity and indicates the price range of properties that are within your means
  • Does not 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



Get a pre-approval

Make an appointment

Do your calculations

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Calculating your monthly payments

Determine how much you can repay each month based on your budget. 

Calculate my payments

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Rent or buy?

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

Take the test

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Accelerated payments

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

Discover the possibilities

Little details that matter

The first step in buying a property is knowing the price range within your means. You can get an estimate for this amount through a mortgage pre-qualification, or for more certainty, a mortgage pre-approval.

A mortgage pre-qualification is a rough estimate of your borrowing capacity to purchase a property. It’s calculated based on your basic financial information such as your income and current debt. No credit check is involved, nor is it a guarantee of the approved financing which you may receive by National Bank.

A mortgage pre-approval certifies your borrowing capacity based on several criteria including your credit rating. It confirms the amount that National Bank agrees to lend you under certain conditions and protects the rate of this loan against potential rises for 90 days. A pre-approval demonstrates your seriousness to sellers and your real estate agent and does not impose any obligation for you to commit to the loan.

Start your pre-approval request online now. Our mortgage experts will then contact you to finalize your request.

Get your project off to a good start

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Ask us your questions

Make an appointment with an advisor to discuss your project, no matter how far along you are in the process.
 

Make an appointment

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Talk to a mortgage expert 

 

1-855-755-9533

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Need help?

 

Find answers

  

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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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