LIMITED TIME OFFER

Transfer your mortgage

Transfer your mortgage to National Bank and get up to $1,250 cashback*

Make an appointment

* Promotion valid until January 31, 2025, for eligible mortgage transfers.
See details of your commitments.

Why choose us for your mortgage transfer?

Until January 31, 2025, you can get up to $1,250 in cashback* by transferring your mortgage to National Bank.

You'll benefit from additional advantages such as:  

  • A reassessment of the term and amortization of your mortgage 

  • Advantageous rates adapted to your needs  

  • Flexibility in repayment 

  • Personalized advice for all stages of your project 
     

But that's not all. Adding eligible products and services to your mortgage could get you up to $4,450 additional cashback. 

Take advantage of our limited-time mortgage transfer offer

Type of fee

Cashback on transfer fee

Assessment of property value, when required 

$350 cashback

Legal fees

$900 cashback

 

Make an appointment

Call us at 1-855-755-9533

Build your mortgage offer

Get up to $5,800* cashback by transferring your mortgage and adding eligible products and services to your mortgage loan.

Discover the offer

* For a limited time. Please refer to the terms and conditions of each promotion.

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Special offers on certain terms

5 year variable rate 1

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3 year fixed rate 3

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4 year fixed rate 3

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5 year fixed rate 3

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Mortgage rates

Discover the current rates and make your calculations to select the one that best suits your needs.
 

Discover the rates

Need advice?

Our team is here to answer all your questions.

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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

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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

3 good reasons to choose National Bank

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Drawing of a piggy bank in the shape of a home representing the promotional cashback offer

Cashback

If you transfer your mortgage to National Bank and choose eligible products, you could get up to $5,700 cashback.*

Discover the offer

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Simplify your finances

Enjoy the convenience of having all your banking products under one roof. Transfer money seamlessly, pay bills, get better rates and more. 

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Enjoy personalized service

Our mortgage experts are available to provide tailored advice.
 

Make an appointment

How to transfer your mortgage to National Bank

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Request a transfer online

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Choose the right mortgage for you with the help of our advisors****

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Switch your mortgage to National Bank. We'll take care of the follow-up with the financial institution involved in the transfer.

To transfer your mortgage with us:
 

Make an appointment


Or call us at 1-855-755-9533

****To be eligible for the mortgage transfer offer, you must make payments from a National Bank account.

All your needs under one roof

Leverage the value of your home for other projects.
 

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Get peace of mind for you and your family should the unexpected happen. 4
 

Access your repaid mortgage principal to pay for other projects.
 

Our mortgage advice

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Getting your project started on the right foot

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Ask us your questions

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

Make an appointment
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Use our mortgage calculators

Estimate the value of the mortgage you may be eligible for, calculate your monthly payments, and more.

Discover our calculators
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Speak to a mortgage expert

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

Find a mortgage expert

Little details that matter

This promotional offer is valid for files with a mortgage approved before January 31, 2025. The offer applies to mortgage loans transferred from another financial institution to National Bank. It applies to residential mortgage loans for owner-occupied properties with 1 to 4 units.  

The mortgage loan must have a principal amount of $100,000 or more and have a closed fixed rate with a 3-year term or a variable rate with a 5-year term at National Bank. You must have a personal chequing account with National Bank, from which pre-authorized mortgage payments will be debited.  

Cashback amount:  

  • When appraisal fees are required: $1,250  
  • When appraisal fees are not required: $900  

Mortgage loans are subject to credit approval by National Bank. You must maintain your mortgage loan for the duration of the term; otherwise, you will be required to reimburse a portion of the cashback received, in proportion to the term remaining. The offer may be modified, extended, or withdrawn without prior notice at any time. The offer may not be combined or used with any other National Bank offer, promotion, or benefit, other than the ones mentioned in this leaflet, and cannot be applied retroactively. The offer does not include prepayment charges (breakage fees) that you may be required to pay. 

 

 

Certain fees and procedures may be required to complete the transfer: 

  • Property appraisal, if applicable 
  • Consultation with a notary 
  • A penalty from the original lender, if the term is still in progress 
  • Legal and administrative fees are also applicable 

We advise you to consider transferring your mortgage 6 to 8 months before the maturity of your loan. This way, you'll avoid or reduce the prepayment penalty imposed by your current lender, depending on the terms of your contract.

A mortgage is a contract. Therefore, there may be fees and penalties for terminating the contract early, which you'll have to pay before you can transfer your mortgage to another lender.

Yes, you can apply for mortgage refinancing to obtain additional funds at the same time as transferring your mortgage but note that only the balance of the loan can be transferred. Find out more about refinancing your mortgage.

Yes, we'll transfer your insured loan while maintaining all the terms of your current loan.

® THE CONNECTED, THE TOTAL, NATIONAL BANK and the NATIONAL BANK logo are registered trademarks of National Bank of Canada.

* Promotion valid until January 31, 2025 for eligible mortgage transfers. See the details of your commitments in the "Mortgage transfer promotion conditions" section.

** "Base Rate" means the annual interest rate that the Bank publicly announces from time to time as the reference rate used to establish the interest rate on Canadian dollar loans made by the Bank in Canada.

*** Based on a mortgage loan of $350,000:

  • With a 5-year closed term at a fixed rate
  • A 25-year amortization
  • An administration fee of $5.00 per month
  • An appraisal fee of $350.00. The appraisal fee is subject to change and may not be required as part of the appraisal process for your mortgage application.

**** To be eligible for the mortgage transfer promotion, you must make your payments from a National Bank account.

  1. The special offer on the variable rate is the base rate - spread (%), and is updated monthly. The offer cannot be combined or stacked with any other offer, promotion or benefit applicable to National Bank mortgages and is not retroactive.
  2. The special offer on the variable rate is the base rate - spread (%) and is updated monthly. The offer may not be combined with any other National Bank offer, promotion, or benefit, other than the ones mentioned in this leaflet, and cannot be applied retroactively.
    "Base Rate" means the annual interest rate that the National Bank publicly announces from time to time as the reference rate used to establish the interest rate on Canadian dollar loans made by the Bank in Canada.
  3. APR as of ${p1.tauxDateJour|date:"-"}. APR means "Annual Percentage Rate" and represents the total interest and fees charged by the Bank, expressed as an annual percentage. 
  4. Rates may differ if amortization is more than 25 years. Contact one of our advisors for more informations.
  5. Certain restrictions apply.