Mortgage pre‑approval

Guarantee your financing by National Bank without committing to a loan

Get pre-approved

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Take a step forward

Guarantee your financing by National Bank without committing to a loan. Place yourself in an ideal position to negotiate for and buy a home.­

Ideal if you’d like to

Get pre-approved

Pre-qualification or pre-approval—what's the difference?

  Pre-qualification Pre-approval
Establishes the property price range within your means.    
Helps you predict your future monthly payments.    
No commitment to take out a loan.     
Protects you from rising interest rates for 90 days.    
Shows your seriousness to sellers and brokers.    
Certifies that National Bank will lend you the money.
(Some conditions may apply2).		    
  Get started Get preapproved

A pre-approval, how does it work?

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Start your application online.

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An advisor will get in touch with you to finalize your pre-approval.

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Make an offer on the property of your dreams!

Get started

Make an appointment

5 reasons why you should get a pre-approved mortgage

Is a mortgage pre-approval necessary? Very! It concretizes the process of buying your property: your borrowing capacity, loan repayment, mortgage rate, it all becomes clear. Unlike pre-qualification, the pre-approval certifies that a lender (National Bank) is committed to providing you with financing.

Enjoy the benefits of a pre-approval for the purchase of your home.

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1. Know your borrowing capacity

Knowing how much your future mortgage might be allows you to shop efficiently. You also avoid the trap of falling in love with a home that’s just out of reach.
Time is money. Target your searches.

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2. Calculate your down payment by planning your monthly payments

Even if you haven’t found your ideal property yet, you can start making your dream come true. Determine the size of your loan and set a budget. Start scheduling your mortgage payments.
Do you have enough money?

Calculate your mortgage payments.

Young woman removes a page from a large calendar hanging on a wall
Young woman removes a page from a large calendar hanging on a wall
Young woman removes a page from a large calendar hanging on a wall
Young couple talking to an advisor on a staircase

3. Protect your interest rate to avoid interest rate rises

Avoid the stress of market fluctuations by protecting your rate for 90 days. By being pre-approved, you can shop with peace of mind without rushing or delaying your purchase.
Enjoy the security without committing to a loan.

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Tip!

It's possible to pay your down payment online. It’s as simple as paying an invoice. Ask your notary what types of payments are accepted by your online bank.

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4. Stay one step ahead of other buyers

You are considered a serious buyer with a pre-approval. It financially reassures the seller and your broker that you’re not bluffing. Your cards are on the table. Your offer is solid and you will be able to negotiate.

Man and woman sitting in front of an advisor smile while holding a document
Man and woman sitting in front of an advisor smile while holding a document
Man and woman sitting in front of an advisor smile while holding a document
Advisor and young couple sitting at a dining table look at a pad

5. Respond quickly by getting a loan immediately

National Bank is committed to providing you with the funding for which you were pre-approved. An advisor is available to answer your questions without you having to commit to a loan.
A pre-approval is "yes" in advance for your loan.

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Little details that matter

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Ready for the next step?

Make a serious offer. Protect your interest rate.

Get pre-approved

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Ask us your questions

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

Make an appointment

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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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