Mortgage rates

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Special offers on certain terms

5 year variable rate7


Prime rate – ${p2.tauxBase|percent:"true"}***

(${p2.tac5ans|percent:"true"}** APR2)

4 year fixed rate1



(${p1.tac4ans|percent:"true"}** APR2)

5 year fixed rate1



(${p1.tac5ans|percent:"true"}** APR2)

Rate (%) as at ${p1.tauxDateJour|date:"-"}

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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How to protect yourself against rising mortgage rates

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.

Do your calculations

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How much can you borrow?

Estimate the mortgage amount you could get.

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Calculate your monthly payments

Figure out how much you could repay each month based on your budget.

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Rent or buy?

Find out if it's more profitable for you to buy or rent.

Fixed-rate loan

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




6 months



Open: 9.98%
Closed: 8.17%

1 year



Open: 9.77%
Closed: 7.96%

2 years




3 years




4 years


${p1.taux4ansF|percent:"true"}   see the promo


5 years


${p1.taux5ansF|percent:"true"}   see the promo


Term Open Closed APR8**

6 years




7 years




10 years




1 month3



TAC not applicable3

Variable-rate loan

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




Capped-rate mortgage (60 month term)

Prime rate

Capped rate5 = ${p3.tauxPlafond|percent:"true"}




Home equity line of credit

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:"-"}

  Prime rate
Difference Rate in effect* Interest earned

Rate for the home equity line of credit




${p5.interetCredT2|percent:"true"} 6

Fixed rate of 7$ per month, per account

Explore our mortgage solutions


Mortgage loan

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Home equity line of credit

Use the repaid amount of your mortgage to realize new projects.

Mortgage for the self-employed

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Little details that matter

*Refers to standard rate.

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

  • With the chosen 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. The evaluation fee is not applicable during a renewal.

*** The variation is subject to change without notice.

TM ALL-IN-ONE is a registered trademark of National Bank of Canada.

  1. Rates may differ if the amortization period is more than 25 years. Contact an advisor for more information.
  2. APR as of ${p2.tauxDateJour|date:"-"}. APR means "Annual Percentage Rate" and represents the total interest and fees charged by the Bank, expressed as an annual percentage.
  3. This term is not available for new loans. It is provided for reference purposes only.
  4. Subject to change without notice
  5. A capped rate is an interest rate that fluctuates but never exceeds the interest rate cap. The cap is the maximum interest rate you pay on your loan. This rate is offered with a five-year term.
  6. Interest income (interest paid on bank accounts grouped under the line of credit).
    • ${p5.interetCredT1|percent:"true"} for lines of credit of $1 to $4,999.99$
    • {p5.interetCredT2|percent:"true"} for lines of credit of $5,000 or more
  7. 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.
  8. Updated ${p2.tauxDateJour|date:"-"}. All content provided is for informational purposes only. There may be a delay in information updates. To obtain the current APR, please contact your advisor. The evaluation fee is not applicable during a renewal.
  9. The rate can be guaranteed for up to 90 days following the receipt of your application. 

Get your project off to a good start

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Ready to get the process started?

Make a serious offer and protect your interest rate with pre-approval.

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Ready to buy?

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

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Ask us your questions

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