Rate (%) as at ${p1.tauxDateJour|date:"-"}
Get up to $5,800* cashback by transferring your mortgage and adding eligible products and services to your mortgage loan.
* For a limited time. Please refer to the terms and conditions of each promotion.
Several factors affect mortgage rates, including amortization period, market conditions and the key rate set by the Bank of Canada. While there are no guarantees that another hike is on the way, the key rate will be revised again 8 times a year. View dates
Planning to buy a home within the next few months?
Apply for pre-approval online today. There’s no obligation to take out a loan, but your rate will be protected for 90 days9 — so you can shop for a home with peace of mind.
Need help?
A mortgage advisor can help you complete your application so you can enjoy additional savings.
How much can you borrow?
Estimate the mortgage amount you could get.
Calculate your monthly payments
Figure out how much you could repay each month based on your budget.
Rent or buy?
Find out if it's more profitable for you to buy or rent.
Your interest rate is set as soon as you take out your mortgage. This rate is not affected by fluctuations for the duration of your term. This type of rate is only available with a mortgage loans.
Rate (%) as at ${p1.tauxDateJour|date:"-"}
Term | Open | Closed | APR8** |
---|---|---|---|
3 months |
--- |
${p1.taux3moisF|percent:"true"} |
8.37% |
6 months |
${p1.taux6moisO|percent:"true"} |
${p1.taux6moisF|percent:"true"} |
Open: 9.98% |
1 year |
${p1.taux1anO|percent:"true"} |
${p1.taux1anF|percent:"true"} |
Open: 9.77% |
2 years |
--- |
${p1.taux2ansF|percent:"true"} |
6.91% |
3 years |
--- |
${p1.taux3ansF|percent:"true"} |
6.54% |
4 years |
--- |
${p1.taux4ansF|percent:"true"} see the promo |
6.38% |
5 years |
--- |
${p1.taux5ansF|percent:"true"} see the promo |
6.43% |
Variable-rate mortgage loan have an interest rate of Prime + ${p2.ecart|percent:"true"}4 and are adjusted monthly. They allow you to take advantage of lower interest rates.
Rate (%) as at ${p2.tauxDateJour|date:"-"}
Reference rate | Difference | Rate in effect* | APR8** | |
---|---|---|---|---|
Prime = ${p1.tauxBase|percent} | ||||
Variable-rate mortgage (60 month term) | Prime rate |
${p2.ecart|percent:"true"} |
${p2.taux5ansO|percent:"true"} |
6.49% |
Capped-rate mortgage (60 month term) | Prime rate Capped rate5 = ${p3.tauxPlafond|percent:"true"} |
${p3.ecart|percent:"true"} |
${p3.taux5ansO|percent:"true"} |
6.74% |
The All-In-OneTM home equity line of credit allows you to use the principal you repay to finance new projects, like renovations or travel. The rate is variable.
Rate (%) as at ${p2.tauxDateJour|date:"-"}
Get financing for your project.
Use the repaid amount of your mortgage to realize new projects.
Mortgage for the self-employed
Get financing or refinancing tailored to your situation.
*Refers to standard rate.
** Based on a $350,000 fixed-rate mortgage
*** The variation is subject to change without notice.
TM ALL-IN-ONE is a registered trademark of National Bank of Canada.
Make a serious offer and protect your interest rate with pre-approval.
Make an appointment with an advisor to discuss your project, no matter how far along you are in the process.