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Mortgage loans

Make your home-buying project a reality and get up to $2,000*

Get pre-approved

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At a glance

A helping hand for your first home




cashback on a $200,000 loan*


cashback on a loan from $100,000 to $200,000*

Perfect if you are looking to

  • Get a loan over $100,000

  • Save on the purchase of new furniture

  • Repay notary fees

  • Pay your welcome tax

  • Make a downpayment of at least 5% of the purchase price1

How can you benefit?

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Quick tip

Our handy calculators let you try out different scenarios so you can estimate your borrowing capacity and monthly payment amounts.

The 3 types of mortgage loan

Dreaming of home ownership? A mortgage loan2, or just mortgage, is a legal agreement in which the house you buy is used as a security for the repayment of the funds you borrow. You repay the loan in instalments and pay interest.


Fixed rate

Variable rate

Made-to-measure mortgage(fixed AND variable)

What is it?

Your interest rate remains the same for the entire term

Your interest rate can go up or down based on market fluctuations

Your mortgage includes a fixed-rate portion, a variable-rate portion and home equity line of credit (optional).

Perfect if you're looking to:

Enjoy the security of equal mortgage payments for the duration of the term

Save on interest if rates go down

Enjoy the advantages of both variable and fixed interest rates


See all rates

Choose this option for peace of mind

Get the lowest rate on the market

Benefit from a capped rate that protects you against rate hikes

Get the stability of a fixed rate and the potential savings of a variable rate


No prepayment charge. Ideal if you plan to sell your home.

Prepayment charge
.3 The rate is lower than for an open loan.


Fixed rate portion:
Open or closed

 portion :


Duration of the term

6 months or 1 year

Closed :
From 3 months to 10 years

5 years

Fixed rate portion:
6 months or 1 year

From 3 months to 10 years

Variable-rate portion:
Closed: 5 years


accelerated repayment options

4 accelerated repayment options

Based on the type of solution (loan or line of credit) and the rate

Offered on certain mortgage terms


Take advantage of special offers when you choose one of the following solutions:

  • 4- or 5-year fixed-rate first mortgage
  • All-In-OneTM  with an integrated 4- or 5-year fixed-rate mortgage portion
  • Made-to-measure mortgage with a 4- or 5-year fixed-rate first mortgage portion

These special offers offer a reduced rate for the selected term4:




Fixed 4-year term



Fixed 5-year term



Get an edge over other buyers and guarantee your interest rate for 90 days7 with a mortgage pre-approval—it's free and there's no obligation to buy.

Get pre-approved

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Protect your loan so that your loved ones don't inherit your debt. Mortgage loan insurance covers your payments in the event of disability, critical illness or death8.

Little details that matter

Prepare my loan application

Here are the main steps in preparing a mortgage application.

  1. Take stock of your finances to prepare for the meeting with your mortgage advisor.
  2. Get pre-approved online before or after your meeting.
  3. Gather all the documents you'll need for the financing application.
  4. Find your dream home and make an offer.
  5. Have the property appraised by a professional certified by the Bank.
  6. Once financing is approved, visit a legal professional to sign the official documents.
  7. Congratulations! You're now a homeowner.

Consult the page on preparing a loan application for more information. Don't forget that your mortgage advisor can help you out!

Quickly access your documents

Need to access your tax information and assessments so you can complete a mortgage application? Use SecureKey concierge service—it's user-friendly, fast and secure.

Legal disclaimers


This offer is valid from February 18th to October 31, 2018. The offer applies to clients who have been approved by National Bank for new mortgage loan of $100,000 or more insured by the Canada Mortgage and Housing Corporation (CMHC) or by Genworth. The loan must be disbursed within 90 days of receiving the client's application for an insured loan from National Bank. The mortgage loan must have a fixed or variable rate with a term of 4 years or longer. The loan must be for an owner-occupied residential dwelling with 1 to 4 units. To take advantage of this offer, you are required to open or must already have a transaction account in one of our branches. 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. There is a limit of one cashback per mortgage loan. The cashback amount varies according to the amount of the insured loan: $1,000 cashback for loans between $100,000 and $200,000, and $2,000 cashback for loans above $200,000. The cashback amount cannot exceed $2,000 per loan. If all conditions are met, the cashback will be granted on the loan disbursement date and deposited into your National Bank transaction account. 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 still remaining. Mortgage loans are subject to credit approval by National Bank of Canada. Employees of National Bank and its subsidiaries and entities are not eligible for the offer.

**APR as at ${p2.tauxDateJour|date:"-"}. APR— or Annual Percentage Rate—refers to the total cost of borrowing for a year. It includes the total interest and fees charged by the Bank based on a $300,000 fixed-rate mortgage for a 4-year closed term and 25-year amortization, and assumes a $5/month administration fee and a $330.00 appraisal fee. The appraisal fee may be adjusted or may not be charged as part of the assessment of your mortgage application.

***APR as at ${p2.tauxDateJour|date:"-"}. APR— or Annual Percentage Rate—refers to the total cost of borrowing for a year. It includes the total interest and fees charged by the Bank based on a $300,000 fixed-rate mortgage for a 5-year closed term and 25-year amortization, and assumes a $5/month administration fee and a $330.00 appraisal fee. The appraisal fee may be adjusted or may not be charged as part of the assessment of your mortgage application.

TM All-In-One is a trademark of National Bank of Canada.

1. The minimum downpayment is 5% if the mortgage is insured by Genworth Financial Canada or the Canada Mortgage and Housing Corporation. Some restrictions may apply.

2. Subject to credit approval by National Bank of Canada.

3. Accelerated payments can be made without penalty under certain conditions.

4. Financing subject to credit approval by National Bank. Limited-time offer; rates are subject to change. Financing must be for a residential dwelling with 1 to 4 units. This mortgage offer cannot be combined with any other offer, promotion or advantage at National Bank. Employees of National Bank and its subsidiaries and entities are not eligible for this offer. National Bank reserves the right to end this offer at any time without notice. All details and conditions are available in branches.

5. Rates may differ if the amortization period is more than 25 years. For more information, please contact an advisor.

6. APR means "Annual Percentage Rate" and represents the total interest and fees charged by the Bank, expressed as an annual percentage. Because the cost of borrowing consists solely of interest, the APR corresponds to the annual interest rate in effect as at October 20, 2017.

7. The rate can be guaranteed for up to 90 days following receipt of the application.

8. Certain conditions apply.

Learn about our other mortgage solutions

Home equity line of credit

Buy a home with the All-In-One™ line of credit and leverage your home equity to finance new projects, like renovations or travel.8

See the All-In-One line of credit

Home Improvement Line of Credit

Finance renovations of $5,000 or more at an attractive rate and enjoy flexible repayment terms.8

See the home improvement line of credit

Ready to apply for a loan?

Apply online and a mortgage advisor will contact you.

Apply for a loan
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