PROMOTION

Transfer your mortgage

Transfer your mortgage to National Bank and you can get up to $4,000 cashback*

Make an appointment

*Promotion valid until November 4, 2025, for eligible mortgage transfers.
See the terms and conditions applicable to the promotion.

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Overview of the offer

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

Mortgage transfer of $100,000 or more required. 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.*

Why choose National Bank for your mortgage transfer?

Until November 4, 2025, you can get up to $4,000 cashback* by transferring your mortgage to National Bank.

You'll also benefit from the following additional advantages:   

  • A reassessment of the term and amortization of your mortgage  
  • No need to visit a branch to complete your transfer request 
  • Various repayment options
  • Personalized advice for all stages of your project  

But that's not all. Adding eligible products and services to your mortgage could get you up to $1,550 additional cashback.

Make an appointment
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Build your mortgage offer

Take advantage of our mortgage solutions and you could be eligible for some savings*

Discover our offers

*For a limited time. Please refer to the terms and conditions of each promotion. 

Special offers on certain terms

5 year variable rate 1

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3 year fixed rate 3

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4 year fixed rate 3

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5 year fixed rate 3

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

Mortgage rates

Discover the current rates and make your calculations to select the one that best suits your needs.
 

Discover the rates

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 1-855-755-9533

3 good reasons to choose National Bank

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Cashback

If you transfer your mortgage to National Bank and select eligible products, you may be eligible for cashback.*

Discover the offer

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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. 

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Enjoy personalized service

Our mortgage experts are available to provide tailored advice.
 

Make an appointment

How to transfer your mortgage to National Bank

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Request a transfer online

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Choose the right mortgage for you with the help of our advisors****

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Switch your mortgage to National Bank. We'll take care of the follow-up with the financial institution involved in the transfer.

To transfer your mortgage with us:
 

Make an appointment


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.

All your needs under one roof

Leverage the value of your home for other projects.
 

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Get peace of mind for you and your family should the unexpected happen. 4
 

Access your repaid mortgage principal to pay for other projects.
 

Our mortgage advice

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Getting your project started on the right foot

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Ask us your questions

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

Make an appointment
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Use our mortgage calculators

Estimate the value of the mortgage you may be eligible for, calculate your monthly payments, and more.

Discover our calculators
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Speak to a mortgage expert

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

Find a mortgage expert

Little details that matter

Promotion period

February 3, 2025–November 4, 2025. 

Eligibility conditions for cashback:

  • During the promotion period, you must obtain mortgage loan approval from National Bank in order to transfer your mortgage from another financial institution to National Bank ("transferred mortgage"). 
  • The amount of the transferred mortgage loan must be $100,000 of more for a closed 3-year term or more at a fixed rate or for a closed 5-year term at a variable rate.
  • The mortgage loan must be for an owner-occupied residential dwelling with 1 to 4 units.  
  • You must have a personal chequing account with National Bank, from which the pre-authorized mortgage payments will be debited.   
  • Applicable to the portion of the mortgage loan integrated into the All-in-One to the extent that it respects the other conditions. 

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).   

  • $1,250 cashback for mortgage loans from $100,000 to $299,999.99   
  • $1,500 cashback for mortgage loans from $300,000 to $499,999.99   
  • $2,000 cashback for mortgage loans from $500,000 to $749,999.99  
  • $3,000 cashback for mortgage loans from $750,000 to $999,999.99 
  • $4,000 cashback for mortgage loans of $1,000,000 or more

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

  • Mortgage loans are subject to credit approval by National Bank.  
  • There is a limit of just one cashback per mortgage loan as part of this promotion, regardless of the number of co-borrowers.  
  • This promotion cannot be combined with any other mortgage loan cashback offers, except for the mortgage loan insurance promotion (disability, critical illness and life) and the $350 cashback offer for the reimbursement of an appraisal fee available through the privilege offer to professionals. This promotion can also be combined with the “opening a chequing account” promotion.
  • This promotion is not retroactive. 
  • You must maintain your mortgage loan for the entire duration of the term. In the following cases, you must repay a portion of the cashback in proportion to the term that still remains: loan prepayment, renegotiation, refinancing, or mortgage loan transfer. 
  • You are responsible for any costs that may arise from the transfer of your mortgage loan to National Bank, including assessment fees for your property, fees for a notary, mortgage prepayment fees (“breakage fees”), or other applicable legal and administrative fees that you may be required to pay. 
  • This promotion may be modified or withdrawn without prior notice.

Certain fees and procedures may be required to complete the transfer: 

  • Property appraisal, if applicable 
  • Consultation with a notary 
  • A penalty from the original lender, if the term is still in progress 
  • Legal and administrative fees are also applicable 

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.

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

* Promotion valid until January 31, 2025 for eligible mortgage transfers. See the details of your commitments in the "Mortgage transfer promotion conditions" section.

** "Base Rate" means the annual interest rate that the 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.

*** Based on a mortgage loan of $350,000:

  • With a 5-year closed term at a fixed rate
  • A 25-year amortization
  • An administration fee of $5.00 per month
  • An appraisal fee of $350.00. The appraisal fee is subject to change and may not be required as part of the appraisal process for your mortgage application.

**** To be eligible for the mortgage transfer promotion, you must make your payments from a National Bank account.

  1. The special offer on the variable rate is the base rate - spread (%), and is updated monthly. The offer cannot be combined or stacked with any other offer, promotion or benefit applicable to National Bank mortgages and is not retroactive.
  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" and represents the total interest and fees charged by the Bank, expressed as an annual percentage. 
  4. Rates may differ if amortization is more than 25 years. Contact one of our advisors for more informations.
  5. Certain restrictions apply.