Build your mortgage offer

Take advantage of our mortgage solutions and you could earn up to $7,800* cashback

Make an appointment

*Maximum amount by combining eligible mortgage offers and mortgage insurance offers with the opening of a chequing account. Offers are valid until November 4, 2025.
See terms and conditions for details of each promotion.

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Find the right mortgage offer for you

Up to $7,800* cashback

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First-time homebuyer

Purchasing your first home is a great milestone. You could get up to $7,800* cashback when you combine the following offers:

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Buying a property (up to $3,500 cashback)

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First-time homebuyer, insured and amortized over 30 years (up to $2,750 cashback)

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Mortgage loan insurance on a new 30-year amortized mortgage (up to $1,000 cashback)

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Open a chequing account (up to $550 cashback)

*Maximum amount when combining first-time homebuyer, buying a property, mortgage insurance and chequing account offers. Promotions valid until November 4, 2025. See terms and conditions of each promotion for details.

Up to $5,050* cashback

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Buying a property

You could get up to $5,050* in cashback when you combine the following offers:

Picto of a check mark

Buying a property (up to $3,500 cashback)

Picto of a plus sign

Mortgage loan insurance on a new mortgage (up to $1,000 cashback)

Picto of a plus sign

Open a chequing account (up to $550 cashback)

*Maximum amount when combining buying a property, mortgage insurance and chequing account offers. Promotions valid until November 4, 2025. See terms and conditions of each promotion for details.

Up to $5,550* cashback

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Switch your mortgage

Want to cover some of the costs related to your mortgage transfer? You could earn up to $5,550* cashback when you combine the following offers:

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Switch your mortgage (up to $4,000 cashback)

Picto of a plus sign

Mortgage loan insurance on a new mortgage (up to $1,000 cashback)

Picto of a plus sign

Open a chequing account (up to $550 cashback)

*Maximum amount when combining switch your mortgage, mortgage insurance and chequing account offers. Promotions valid until November 4, 2025. See terms and conditions of each promotion for details.

Up to $4,050* cashback

Illustration of a house and a paint roller

Refinancing your mortgage

Do you want to renovate your home or any other home project? You could earn up to $4,050* in cashback when you combine the following offers:

Picto of a check mark

Refinancing your mortgage (up to $3,500 cashback) 

Picto of a plus sign

Open a chequing account (up to $550 cashback)

*Maximum amount when combining refinancing your mortgage and chequing account offers. Promotions valid until November 4, 2025. See terms and conditions of each promotion for details.

Exclusive offer

Even more benefits for energy-efficient homes

Even more benefits for energy-efficient homes

Thinking of buying a low-emission home by October 31, 2025? Good news: you could save even more!

Discover our rate offers for different mortgage terms

Duration Interest rate Prime rate APR3
5-year variable rate2 4.45% 0.50% ** 4.49% **
3-year fixed rate1 4.44% - 4.48% ***
4-year fixed rate1 4.44% - 4.48% ***
5-year fixed rate1 4.39% - 4.43% ***

Find the right mortgage for you


Rate (%) as of 03-30-2025

Future homeowners, we’re here to help

Buying a home is so much more than just a mortgage. That's why we’re here to support you throughout the whole process of the purchase. Our personalized advice and tools are designed to meet your needs:

  • Got important purchases coming up? Our credit cards can be used to pay for certain expenses4.
  • To deal with the unexpected and protect yourself in the event of overdrafts, a line of credit may be right for you4.
  • To help you better anticipate tax payments, a systematic savings plan can be a practical solution. 
     
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We’re here to help 

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Ask your questions

Our mortgage advisors are there to help you build your offer.

 

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Get a mortgage pre-approval

Protect your interest rate from hikes for 90 days.

Little details that matter

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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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