Mortgage offers

Earn up to $7250 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 3, 2026. See the terms and conditions for details of each promotion. 

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Mortgage offers | Transfer your mortgage | Open a chequing account | Energy-efficient homes

Find a mortgage offer that’s right for you

Up to $7,250 cashback*

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Mortgage offers

You could get up to $7,250 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

Buying your first home with insurance and a 30-year amortization period (up to $2,750 cashback)

Picto of a plus sign

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

Make an appointment

*Maximum amount when combining buying a property, first property purchase, mortgage insurance, Promotions valid until November 3, 2026. See terms and conditions of each promotion for details.

Up to $5,000 cashback*

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Mortgage transfer

Want to cover some of the costs related to your mortgage transfer? You could earn up to $5,000* cashback when you combine the following offers:

Picto of a check mark

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

Picto of a plus sign

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

Make an appointment

*Maximum amount when combining mortgage transfer and mortgage insurance offers. Promotions valid until November 3, 2026. See terms and conditions of each promotion for details.

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Open a chequing account for even more cashback

Take advantage of our promotion and earn up to $600 cashback when you open a chequing account with an advisor at a branch before May 5, 2026. You can combine this with eligible offers for even more cashback.

Adding certain products, services, and transactions is required. See the terms and conditions for more details.

Even more benefits for energy-efficient homes

Even more benefits for energy-efficient homes

If you’re thinking of buying an energy-efficient home before November 3, 2026, you could save even more!

People interested in buying an energy-efficient property with an insured mortgage are eligible for a 25% cashback on mortgage insurance premiums.

National Bank offers 25% in additional cashback on the premium paid to the mortgage insurer, up to a maximum of $5,000. 

All you need to do is present proof of payment from one of our insurers, and you'll receive your cashback directly in your chequing account.

Discover our rate offers for different mortgage terms

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Find the right mortgage for you

See all rates


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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. 
     
Check out more tools
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Ask your questions

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

 

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Get a mortgage pre-approval

Protect your interest rate from hikes for 120 days.

Get pre-approved

Little details that matter

Promotion period

February 3, 2025 – November 3, 2026.

Eligibility conditions for cashback:

  • During the promotion period, you must obtain mortgage loan approval from National Bank for a closed 3-year term or more at a fixed rate or for a closed 5-year term at a variable rate ("mortgage loan"). 
  • You must have mortgage loan insurance with a high loan-to-value ratio (required for purchases with a down payment of less than 20%) offered by CMHC, Sagen or Canada Guaranty. 
  • You must meet all eligibility requirements for mortgage loan insurance set out by the Government of Canada. It is your responsibility to ensure that all applicable conditions are met. 
  • The mortgage loan amortization period must be 30 years. 
  • You must be a first-time home buyer (see definition below). [i]
  • The mortgage loan must be for a residential property with a purchase price of less than $1.5 million. 
  • The mortgage loan must be for an owner-occupied residential dwelling with 1 to 4 units.  
  • The mortgage loan amount must be $100,000 or more.  
  • You must have a personal chequing account with National Bank, from which the pre-authorized mortgage payments will be debited.   

Up to $2,750 cashback

The cashback as part of the promotion is equivalent to 0.20% of the amount of the insured loan (including the insurer's premium). Therefore, the cashback amount varies according to the insured mortgage loan amount: For example: 

  • $200 cashback for insured mortgage loans of $100,000 ($100,000 x 0.20%) 
  • $600 cashback for insured mortgage loans of $300,000 ($300,000 x 0.20%) 
  • $800 cashback for insured mortgage loans of $400,000 ($400,000 x 0.20%) 
  • $1,000 in cashback for mortgage loans of $500,000 ($500,000 x 0.20%) 
  • $2,750 cashback for insured mortgage loans of no more than$1,375,000 ($1,375,000 x 0.20%)  

If all conditions are met, the cashback will be granted within 2 days of the mortgage loan being disbursed. It will be deposited to the chequing account from which the mortgage payments are debited. 

Other conditions 

  • Mortgage loans are subject to credit approval by National Bank.  
  • There is a limit of just one cashback per mortgage loan as part of this promotion, regardless of the number of co-borrowers.  
  • This promotion cannot be combined with any other benefit, discount or promotional offer, unless otherwise indicated. It can however be combined with the mortgage loan insurance promotion (disability, critical illness and life) and the “buying a property” promotion. This promotion can also be combined with the “opening a chequing account” promotion.
  • This promotion is not retroactive. 
  • You must maintain your mortgage loan for the entire duration of the term. In the following cases, you must repay a portion of the cashback in proportion to the term that still remains: loan prepayment, renegotiation, refinancing, or mortgage loan transfer. 
  • This promotion may be modified or withdrawn without prior notice. 

[i] To be considered a first-time home buyer, the borrower must meet one of the following criteria: 

  • Has never bought a property before. 
  • Has not occupied a dwelling in the past 4 years as their principal place of residence that they or their spouse or common-law partner owned.
  • Has recently experienced the end of a marriage or common-law partnership. In this regard, the conditions will be the same one as those of the Canada Revenue Agency with respect to the Home Buyers' Plan. 

Promotion period 

February 3, 2025 – November 3, 2026.

Eligibility conditions for cashback:

  • During the promotion period, you must obtain mortgage loan approval from National Bank for a closed 3-year term or more at a fixed rate or for a closed 5-year term at a variable rate ("mortgage loan").
  • The mortgage loan amount must be $100,000 or more.
  • The mortgage loan must be for an owner-occupied residential dwelling with 1 to 4 units. 
  • You must have a personal chequing account with National Bank, from which the pre-authorized mortgage payments will be debited.  
  • Applicable to the portion of the mortgage loan integrated into the All-in-One to the extent that it respects the other conditions.

Up to $3,500 cashback  

The cashback amount varies according to the mortgage loan amount.  

  • $500 cashback for mortgage loans from $100,000 to $299,999.99  
  • $1,000 cashback for mortgage loans from $300,000 to $499,999.99  
  • $1,500 cashback for mortgage loans from $500,000 to $749,999.99 
  • $3,000 cashback for mortgage loans from $750,000 to $999,999.99
  • $3,500 cashback for mortgage loans of $1,000,000 or more  

If all conditions are met, the cashback will be granted within 2 days of the mortgage loan being disbursed. It will be deposited to the chequing account from which the mortgage payments are debited.

Other conditions

  • Mortgage loans are subject to credit approval by National Bank. 
  • There is a limit of just one cashback per mortgage loan as part of this promotion, regardless of the number of co-borrowers. 
  • This promotion cannot be combined with any other benefit, discount or promotional offer, unless otherwise indicated. It can however be combined with the mortgage loan insurance promotion (disability, critical illness and life), the “first-time homebuyer” promotion (insured loan - 30 years) and the $350 cashback offer for the reimbursement of an appraisal fee available through the privilege offer to professionals. This promotion can also be combined with the “opening a chequing account” promotion. 
  • This promotion is not retroactive.
  • You must maintain your mortgage loan for the entire duration of the term. In the following cases, you must repay a portion of the cashback in proportion to the term that still remains: loan prepayment, renegotiation, refinancing, or mortgage loan transfer.
  • This promotion may be modified or withdrawn without prior notice.

The promotional offer is valid until November 3, 2026.

This offer applies to Personal Banking clients of National Bank who take out a mortgage loan of $100,000 or more during the promotional period and sign up for 3 or more types of insurance coverage (life, disability, and critical illness). The amount of the cashback varies depending on the amount of coverage taken out by the borrower and their co-borrowers, if applicable, and the amount of the loan covered by life insurance. The client must sign up for mortgage loan insurance when the loan is granted or, at the latest, when the loan is disbursed. The mortgage loan insurance application must be signed during the promotional period.

This offer applies to a new purchase, external refinancing, or mortgage transfer. Mortgage renewals, internal refinancing, and mortgage renegotiations are excluded from the offer. Financing must be for a residential dwelling with 1 to 6 units. 

The cashback amount can be up to $1,000.

 

Amount covered by life insurance from $100,000 to $399,999.99

Number of types of coverage

Total cashback

3 types of coverage

$200

4 types of coverage

$400

5+ types of coverage

$600


Amount covered by life insurance of $400,000.00 and more

Number of types of coverage

Total cashback

3 types of coverage

$400

4 types of coverage

$800

5+ types of coverage

$1000

If all conditions are met:

· The first half of the cashback will be awarded during the month following the loan disbursement.

· The remaining half of the cashback will be awarded no later than 6 months after the loan disbursement.

The cashback will be deposited in two (2) portions to the transaction account from which mortgage payments are collected, within 30 days of the conditions being met. No insurance claim must have been accepted for your loan within the first 6 months of disbursement for all insured persons under the agreement. To benefit from the full cashback, the client must keep all the coverage to which they subscribed at disbursement for 6 months after the loan is disbursed and must be up to date with their mortgage payments.

The offer may be modified, extended, or withdrawn without prior notice at any time. 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. There is a limit of only one cashback per eligible mortgage for the duration of the promotion, regardless of the number of co-borrowers. Clients cannot benefit from the offer more than once.

Promotion period:

November 5, 2025 to May 5, 2026

Eligibility conditions

PRODUCTS, SERVICES OR TRANSACTIONS

CONDITIONS

CASHBACK

 

New National Bank chequing account with an eligible package/offer, online services, and activation of an automatic deposit

During the promotion period, open your first chequing account as the main account holder with the help of a National Bank branch advisor and sign up for one of the following: 

  • The Connected® package
  • The Total® package
  • The offer for newcomers
  • The offer for professionals

Within 120 days of opening the chequing account and signing up for the eligible package/offer, complete the following 3 steps:  
 
1) Sign up for your online bank 
 
2) Complete 20 eligible transactions, including: 

  • Debit card purchases 
  • Bill payments using your online banking or the National Bank app. 

The following transactions are excluded:

  • Refund of purchases (Interac®) 
  • Reimbursement of fees  
  • Flat monthly fee 
  • Account handling charges

3) Receive 3 eligible automatic deposits of at least $100 each, according to the following schedule:

  • 1st deposit: within the first 60 days after opening the chequing account. 
  • 2nd deposit: between 60 and 89 days after opening the chequing account. 
  • 3rd deposit: between 90 and 120 days after opening the chequing account.

Eligible automated direct deposits. Transaction codes from Payments Canada:

  • Payroll Deposit (200)  
  • Private Pension (233)  
  • Family Support Plan (provincial programs in Canada that offer financial aid to families with children) (601)  
  • Special Payroll (201)  
  • Retirement Income Fund (272)  
  • Income Security Benefits (603)  
  • Vacation Payroll (202)  
  • Canada Child Benefit (308)  
  • CNESST (605)  
  • Overtime Payroll (203)  
  • CPP (Canada Pension Plan) (310)
  • Employment Assistance Allowance (607)   
  • Advance Pay (204)  
  • Old Age Security (311)  
  • Disability Payment (611)  
  • Commission Payroll (205)  
  • War Veterans' Allowance (312)  
  • Parental Insurance (612)  
  • Bonus Payroll (206)  
  • VAC (Veterans Affairs Canada) (313)  
  • Children Assistance (616)  
  • Adjustment Payroll (207)  
  • Public Service superannuation (315)  
  • Miscellaneous Payments (450)  
  • Pension (230)  
  • Canadian Forces Superannuation (316)  
  • Accounts Payable (460)  
  • Federal Pension (231)  
  • Employment Insurance (318)  
  • Provincial Pension (232)  
  • Canada Disability Benefit (328)

You must keep your National Bank chequing account in good standing until the cashback is deposited into the new chequing account.
 
Must not have a chequing account, CAD Progress Account, Crescendo Account®, The Strategist Account®, The Natcan Strategist Account, Special Project Savings Account, Superior Flex Line Program®, Home Improvement Line of Credit, personal line of credit, All-In-One Line of Credit®, or must not have had a National Bank High Interest Savings Account, alone or jointly in the past 36 months. 
 
All these conditions must be met to receive the following additional amounts.

 $300 (Basic cashback)

Apply for a new eligible credit card

Within 120 days of opening the chequing account and signing up for the eligible package/privilege offer, complete the following 2 steps:

1) Apply for and be approved for one of the following National Bank credit cards as the primary cardholder:

  • Platinum Mastercard®  
  • World Mastercard®  
  • World Elite® Mastercard®  
  • mycredit Mastercard® 
  • Allure Mastercard® 
  • MC1 Mastercard® 
  • Echo® Cashback Mastercard® 
  • Syncro Mastercard®

2) Complete at least 20 purchases or cash advances with the new credit card. 
 

The following transactions are excluded:

  • Mastercard cheques  
  • Interest  
  • Non-interest fees (e.g., annual fees, currency conversion fees, and insurance premiums) 
  • Purchase returns  
  • Credit card payment with your points  
  • Credits applied to the account when you redeem points for a reward

Must not have been holder/primary cardholder or authorized user of a National Bank personal credit card in the past 36 months.

 An additional $100

Automatic mortgage loan payment

Within 120 days of opening the chequing account and signing up for the eligible package/offer, complete the following step:

1) Set up pre-authorized, recurring payments from the new chequing account for a National Bank mortgage.

 An additional $100

High Interest Savings Account

Within 15 days of opening the chequing account and signing up for the eligible package/offer, you must:

  1. Open a High Interest Savings Account. 
  2. Deposit at least $5,000 in the High Interest Savings Account. 
  3. Keep a minimum balance of $5,000 at all times and without interruption up to the 120th day after opening the chequing account.

Must not have held a National Bank High Interest Savings account alone or jointly in the past 36 months. 

 An additional $100  
 

Total cashback if all conditions are met


 Up to $600

When the cashback will be paid to your chequing account

Consult the following table for the cashback payment date, if you meet the eligibility criteria. This is based on the date the chequing account was opened.

Opening date of the new chequing account:

Date of deposit of the cashback into the new chequing account:

Between November 5 and November 30, 2025

Cashback deposited to the account by May 15, 2026

Between December 1 and December 31, 2025

Cashback deposited to the account by June 15, 2026

Between January 1 and January 31, 2026

Cashback deposited to the account by July 15, 2026

Between February 1 and February 28, 2026

Cashback deposited to the account by August 15, 2026 

Between March 1 and March 31, 2026

Cashback deposited to the account by September 15, 2026

Between April 1 and April 30, 2026

Cashback deposited to the account by October 15, 2026

Between May 1 and May 5, 2026

Cashback deposited to the account by November 15, 2026

Other conditions:

  • You can receive only one cashback for this chequing account.
  • You must be at least 14 years old when you open the new chequing account.
  • You must keep the new chequing account and, if applicable, the new eligible credit card for at least 12 months from the date the chequing account is opened. If you don’t meet this condition, you’ll have to reimburse a portion of the cashback for the product you didn’t maintain corresponding to the period still remaining.
  • You must keep the National Bank chequing account in good standing for at least 180 days from the date the new chequing account was opened. For the purpose of this promotion, a chequing account is not in good standing if:
    • It is overdrawn, meaning it has an unauthorized negative balance.
    • It has been used in an inappropriate, unauthorized, illegal, or abusive manner, as described in section 8.7 of the National Bank Deposit Account Agreement.
  • You must keep your new credit card account in good standing by meeting the conditions in the Credit Card Agreement (if applicable). For example, all minimum payments must be made on time.
  • The new eligible credit card (if applicable) is granted subject to credit approval from National Bank. You must be 18 years old when you sign up for the new card. Other conditions apply to the issue of the card.
  • You must not be employed by National Bank, CWB® or one of its subsidiaries. Spouses of employees are also not eligible.
  • This promotion may be modified or withdrawn without prior notice.
  • This promotion cannot be combined with any other National Bank cashback promotion applicable to chequing accounts or banking packages. However, it can be combined with another eligible National Bank credit card, mortgage loan, mortgage insurance, or investment promotion.

® NATIONAL BANK, CWB, CRESCENDO, THE STRATEGIST, THE CONNECTED, THE TOTAL, SUPERIOR FLEX LINE, ALL-IN-ONE, MY CREDIT, ALLURE and ECHO are registered trademarks of National Bank of Canada.

® Interac is a registered trademark of Interac Corp. Used under licence.

® Mastercard, World Mastercard, MC1, Platinum, and World Elite are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated. National Bank is an authorized user.

Promotion period 

February 3, 2025 – November 3, 2026.

Eligibility conditions for cashback:

  • During the promotion period, you must obtain mortgage loan approval from National Bank in order to transfer your mortgage from another financial institution to National Bank ("transferred mortgage").
  • The amount of the transferred mortgage loan must be $100,000 of more for a closed 3-year term or more at a fixed rate or for a closed 5-year term at a variable rate.
  • The mortgage loan must be for an owner-occupied residential dwelling with 1 to 4 units. 
  • You must have a personal chequing account with National Bank, from which the pre-authorized mortgage payments will be debited.  
  • Applicable to the portion of the mortgage loan integrated into the All-in-One to the extent that it respects the other conditions.

Up to $4,000 cashback  

The cashback amount varies according to the total mortgage loan amount (the amount of the transferred mortgage loan plus the additional mortgage loan amount granted at the same time, if applicable).  

  • $1,250 cashback for mortgage loans from $100,000 to $299,999.99  
  • $1,500 cashback for mortgage loans from $300,000 to $499,999.99  
  • $2,000 cashback for mortgage loans from $500,000 to $749,999.99 
  • $3,000 cashback for mortgage loans from $750,000 to $999,999.99
  • $4,000 cashback for mortgage loans of $1,000,000 or more  

If all conditions are met, the cashback will be granted within 2 days of the mortgage loan being disbursed. It will be deposited to the chequing account from which the mortgage payments are debited.

Other conditions

  • Mortgage loans are subject to credit approval by National Bank. 
  • There is a limit of just one cashback per mortgage loan as part of this promotion, regardless of the number of co-borrowers. 
  • This promotion cannot be combined with any other benefit, discount or promotional offer, unless otherwise indicated. It can however be combined with the mortgage loan insurance promotion (disability, critical illness and life) and the $350 cashback offer for the reimbursement of an appraisal fee available through the privilege offer to professionals. This promotion can also be combined with the “opening a chequing account” promotion.
  • This promotion is not retroactive.
  • You must maintain your mortgage loan for the entire duration of the term. In the following cases, you must repay a portion of the cashback in proportion to the term that still remains: loan prepayment, renegotiation, refinancing, or mortgage loan transfer.
  • You are responsible for any costs that may arise from the transfer of your mortgage loan to National Bank, including assessment fees for your property, fees for a notary, mortgage prepayment fees (“breakage fees”), or other applicable legal and administrative fees that you may be required to pay.
  • This promotion may be modified or withdrawn without prior notice.

The promotion is valid for mortgage loans disbursed between February 1, 2024 and November 3, 2026.

Mortgage loans are subject to credit approval by National Bank. To take advantage of the promotion, you must:

  • Have an insured and eligible mortgage loan disbursed by National Bank during the promotion period with a down payment of less than 20% (high-ratio mortgage).
  • Be insured and approved by an eligible loan insurer (CMHC-SAGEN-Canada Guaranty)*.
  • Ensure the property meets the energy efficiency criteria determined by the eligible insurers and provide proof the 25% refund has been received from the loan insurer.
  • Have a National Bank account to receive the additional cashback.

If all conditions are met, the cashback of 25% of the loan insurance premium will be granted within 10 days of the receipt of refund proof of the 25% repaid by the loan insurer. 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. 

Conventional mortgages or All-In-Ones® are not eligible for this promotion.

Only one cashback per mortgage loan. The cashback is not retroactive. 

This energy-efficient home promotion can’t be combined with any other cashback promotion with promotional rates on a new National Bank mortgage loan. If that is the case, any cashback related to another National Bank promotion will be deducted from the amount of the energy-efficient home promotion at financing. For example, a client eligible to receive $3,500 for this promotion who has already received cashback of $500 for their mortgage financing is eligible for a maximum cashback of $3,000 for the energy-efficient home promotion.

This promotion may be modified or withdrawn without prior notice.

*Consult your insurer’s criteria:

 

**Refers to standard rate.

***Based on a $350,000 fixed-rate mortgage:

  • With a chosen term
  • With a 5-year closed term
  • With 25-year amortization 
  • With a $5/month administration fee
  • With a $350 appraisal fee. The appraisal fee may be adjusted or may not be charged as part of the assessment of your mortgage application.

1. Rates may differ if amortization is more than 25 years. Contact an expert for more information.

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" that represents the total interest and fees charged by National Bank, expressed as an annual percentage.

4. Subject to credit approval by National Bank.