Mortgage renewal

Don’t wait until the end of your term to take advantage of our rates 

Make an appointment

Or call us at 1-877-281-0144

What are mortgage renewals?

When you renew your mortgage, you can customize the length of your next term and adapt it to your needs. You can request a renewal up to 6 months before the end of your current term to benefit from market rates. Explore your options and renew your mortgage over the phone with one of our experts.

Renewing your mortgage


Take stock of your finances

When your term ends, reassess your financial situation with help from one of our experts. You could qualify for a better rate.

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Take advantage of early renewal

You can renew your loan up to 6 months before the end of your term. Decide on the conditions of your next term now and benefit from a guaranteed interest rate as of your next payment, without penalty.

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Repay your loan more quickly

Do you want to pay off your mortgage loan faster? You can either increase your payment amounts for a set period or make additional payments of up to 10% on the original loan amount per year.

Tips for renewing your mortgage 

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Plan ahead

Think about your mortgage renewal ahead of time. You can renew your loan up to 6 months before the end of your term.

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Identify your needs

Choose your preferred duration, payment frequency and rate options.

Need advice?

Our team is here to answer all your questions.

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Make an appointment

If you have any questions about your mortgage, fill out our form to receive a call from an advisor.

Request an appointment

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Find a mortgage expert in your region

Need more personalized advice? Select one of our mortgage experts to guide you through every step of your project.

Choose an expert

You can also speak to one of our mortgage experts by calling us at 1-877-281-0144

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Is your mortgage up for renewal? This is a great opportunity to update your mortgage insurance, so you're payments are protected if the need should arise.2

Do the math!

Current mortgage rates

Starting from


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Call us at 1-877-281-0144 to get our best rates.

Mortgage payment calculator

Determine how much you could afford to pay each month based on your new rate.

More mortgage advice 

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Explore our renewal solutions

Is a line of credit right for you?

A loan renewal is a good time to consider an All-In-One® home equity line of credit. It lets you access your credit at any time1 without having to apply for new financing.

View our All-In-One line of credit

Transfer your mortgage to National Bank

Do you have a mortgage loan with another financial institution? Transferring your mortgage to National Bank is easy and could save you money.

View mortgage transfers

Getting your project off on the right foot 

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Ask us your questions

Make an appointment with one of our advisors for all your mortgage questions.

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Talk to a mortgage

Our mortgage experts are here to provide you with personalized advice to help you move forward with your project.

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Looking for additional information?

Find all the answers you’re looking for in our Help centre

Little details that matter

Legal disclaimers

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

1. Subject to credit approval by National Bank of Canada. Certain conditions apply.

2. Certain conditions apply.