OFFER
Transfer your mortgage to National Bank and you can get up to $4,000 cashback*
*Promotion valid until November 3, 2026, for eligible mortgage transfers.
See the terms and conditions
On this page
Overview | Why transfer | Special offers | How to transfer | More services | Advice
You’ll benefit from
$4,000
Cashback with a loan of $1,000,000 or more
$3,000
Cashback with a loan between $750,000 and $999,999
$2,000
Cashback with a loan between $500,000 and $749,999
$1,500
Cashback with a loan between $300,000 and $499,999
$1,250
Cashback with a loan between $100,000 and $299,999
Minimum 3-year fixed-rate or 5-year variable-rate commitment. National Bank chequing account required for withdrawals. Consult the terms and conditions of your current mortgage to determine the implications of a transfer.*
Until November 3, 2026, you can get up to $4,000 cashback* by transferring your mortgage to National Bank.
You'll also benefit from the following additional advantages:
Take advantage of our mortgage solutions and you could be eligible for some savings
For a limited time. Please refer to the terms and conditions of each promotion.
Rate (%) as at ${p1.tauxDateJour|date:"-"}
Find a mortgage rate that works for you
Our team is here to answer all your questions.
If you have any questions about your mortgage, fill out our form to receive a call from an advisor.
Need more personalized advice? Select one of our mortgage experts to guide you through every step of your project.
You can also speak to one of our mortgage experts by calling us at 1-855-755-9533
Cashback
If you transfer your mortgage to National Bank and select eligible products, you may be eligible for cashback.*
Discover the offer
Simplify your finances
Enjoy the convenience of having all your banking products under one roof. Transfer money seamlessly, pay bills, get better rates and more.
Enjoy personalized service
Our mortgage experts are available to provide tailored advice.
Choose the right mortgage for you with the help of our advisors****
Switch your mortgage to National Bank. We'll take care of the follow-up with the financial institution involved in the transfer.
Or call us at 1-855-755-9533
****To be eligible for the mortgage transfer offer, you must make payments from a National Bank account.
Leverage the value of your home for other
projects.
Access your repaid mortgage principal to
pay for other projects.
If you have any questions about your
mortgage, fill out our form to receive a call from an advisor.
Estimate the value of the mortgage you may be eligible for, calculate your monthly payments, and more.
Our mortgage experts are here to provide
you with personalized advice and help you move forward with your
project.
Promotion period
February 3, 2025 to November 3, 2026.
Eligibility conditions for cashback:
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).
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
Certain fees and procedures may be required to complete the transfer:
We advise you to consider transferring your mortgage 6 to 8 months before the maturity of your loan. This way, you'll avoid or reduce the prepayment penalty imposed by your current lender, depending on the terms of your contract.
A mortgage is a contract. Therefore, there may be fees and penalties for terminating the contract early, which you'll have to pay before you can transfer your mortgage to another lender.
Yes, you can apply for mortgage refinancing to obtain additional funds at the same time as transferring your mortgage but note that only the balance of the loan can be transferred. Find out more about refinancing your mortgage.
Yes, we'll transfer your insured loan while maintaining all the terms of your current loan.
* Refers to standard rate.
** Based on a mortgage loan of $350,000:
*** The variation is subject to change without notice.
1. Financing subject to credit approval by National Bank. Limited-time offer; rates are subject to change. Financing must be for a residential dwelling with 1 to 4 units. This mortgage offer cannot be combined with any other offer, promotion or advantage at National Bank. Employees of National Bank and its subsidiaries and entities are not eligible for this offer. National Bank reserves the right to end this offer at any time without notice. All details and conditions are available in branches.
2. The rate can be guaranteed for up to 120 days following receipt of the application.
3. Rates may differ if amortization is more than 25 years. Contact an advisor for more information.
4. APR as of ${p1.tauxDateJour|date:"-"}. APR means "Annual Percentage Rate" and represents the total interest and fees charged by the Bank, expressed as an annual percentage.
5. Certain restrictions apply.
6. 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.
"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.
® Interac is a registered trademark of Interac Corp. Used under license.
7. When you open a session for the first time using Interac ® Sign-In Service, you will be asked to accept the terms and conditions of use and the privacy policy. You will then be redirected to the government site where you'll already be signed in.
