Build your mortgage offer

Add eligible products and services to your mortgage and benefit from up to $4,450 cashback. Get up to an additional $1,250 by transferring your mortgage to National Bank.

Make an appointment

*Limited time offer. Consult the terms and conditions of each promotion.

Illustration of three houses with the National Bank logo, with a price tag that reads up to $5,700

Your mortgage offer: Combine our promotions for even more cashback

Make life easier by having all your mortgage products and services under one roof: your mortgage, your insurance to protect the biggest purchase of your life, and your chequing account to streamline your monthly payments.

You could get up to $4,450 cashback and an additional $1,250 if you transfer your mortgage to National Bank for a total of $5,700 for your home project.

* Offers are available for a limited time. Consult the terms and conditions of each promotion.

Illustration of a red suitcase with $5,700 on the front

Our promo details to build your mortgage offer

By transferring your mortgage to National Bank and combining our different promotions below, you could get up to $5,700* cashback.

* Maximum amount for eligible mortgage transfers. To learn more, read the  Little details that matter section .

Up to
$3,000 cashback

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Mortgage promotion 

★ Promotion available until October 31, 2024 on a new eligible mortgage of $100,000 or more. Four-year commitment minimum.

Up to
$1,250 cashback

Picto of a house with a checkmark

Mortgage transfer promotion

★ Promotion valid until October 31, 2024 for transfers of eligible mortgages. View details of your commitments.

Up to
$1,000 cashback

Icône d’une maison avec un bouclier représentant la protection

Mortgage loan insurance promotion

★ Promotion available until October 31, 2024 on a new eligible mortgage of $100,000 or more covered by a minimum of three coverages.

Up to
$450 cashback

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Chequing account promotion with a mortgage

★ Promotion available until March 31, 2024 for clients with a new chequing account. View eligible packages and required transactions.

We’ll be happy to assist you in choosing eligible products and services to build your mortgage offer.

Special offers on certain terms

5 year variable rate2

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4 year fixed rate1

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5 year fixed rate1

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Find the mortgage that’s right 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. 
     
Illustration of a toolbox shaped like a house with the National Bank logo

We’re here to help 

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Ask your questions

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

 

Picto of a form with the National Bank logo

Get a mortgage pre-approval

Protect your interest rate from hikes for 90 days.

Ready to buy?

Fill out our mortgage loan form, and an advisor will assist you.

 

Little details that matter

The promotional offer is valid until October 31, 2024. The loan must be disbursed within 90 days of receipt of the client’s application for a mortgage loan from National Bank. The mortgage loan must have a fixed or variable rate and a term of 4 years or longer at the promotional rate in effect and as announced on National Bank’s website. The loan must be for an owner-occupied residential dwelling with 1 to 4 units. There is a limit of one cashback per mortgage loan.

Cashback up to $3,000:

The cashback amount varies according to the mortgage loan amount.

· $1,000 cashback for mortgage loans from $100,000 to $249,999

· $1,500 cashback for mortgage loans from $250,000 to $499,999

· $2,000 cashback for mortgage loans from $500,000 to $749,999

· $3,000 cashback for mortgage loans of $750,000 or more

If all conditions are met, the cashback will be granted within 2 days of the date the loan is disbursed. 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 promotional offer is valid until October 31, 2024.

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.

The promotional offer is valid from February 1, 2023, to March 31, 2024 (the “promotional period”). The offer is intended for clients who do not have a personal chequing account with National Bank and who haven’t held one since February 1, 2021. To qualify, you must open a chequing account and sign up for an eligible product during the promotional period. You must have reached 14 years of age when you open your account. Clients cannot benefit from the offer more than once. Only the primary account holder is eligible for the offer. Joint account holders who open a new account are not eligible for this offer. The cashback amount will vary based on the conditions that have been met:

 

1. Open your first chequing account and sign up for one of the following banking offers or packages:

• Exclusive offers

• Banking Offer for Newcomers to Canada

• The Connected® banking package

• The Total® banking package 

 

Sign up for your online bank and receive your account statements and tax slips online.

 

2. Get $300

Set up an automated recurring direct deposit of your salary or monthly pension to your new chequing account.

 

3. Get $100

Set up a recurring pre-authorized payment on your National Bank mortgage from your new chequing account.

 

4. Get $50

Open a High Interest Savings Account at the same time as you open a new chequing account linked to one of the eligible banking packages. 
 

Deposit at least $3,500 to the account and maintain a minimum balance of $3,500 for 90 days after opening.

* Conditions 2, 3 and 4 listed above may be met individually and/or combined. Therefore, clients can get a total cashback of $50, $100, $150, $300, $350, $400 or $450, depending on the conditions met. 

 

Cashback conditions: 

After opening your new chequing account and choosing an eligible product, you must: 

• Sign up for your online bank and receive your account statements and tax slips online.

• Open a High Interest Savings Account at the same time as you open a chequing account to get the $50 cashback. 

• After the chequing account is opened, you’ll have 120 days to meet all cashback offer requirements. You’ll get the cashback only if you don’t have a High Interest Savings Account with National Bank and haven’t held one since February 1, 2023. If you meet the offer conditions, the cashback will be deposited into your new National Bank chequing account within 150 days of the chequing account being opened. You must maintain the eligible products and services, and not make any changes related to these products and services for a minimum of 12 months after signing up for them. If you do not meet this condition, you’ll have to refund National Bank an amount corresponding to the period in which you did not keep your eligible products and services, within 30 days of receiving the request for payment.

 

This promotional offer is valid for files with a mortgage approved before October 31, 2024. 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.

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

**Refers to standard rate.

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

  • With a 5-year closed term

  • With 25-year amortization 

  • With a $5/month administration fee

  • With a $350.00 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.