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PROMOTION

Mortgages

Become a homeowner and receive up to $2,000 cashback

See offer

Find the best solution for you

Want to learn more about mortgages?

Get the information you need to make the right decisions.

Go

Ready to take out a mortgage?

Explore our solutions and apply online.

See our mortgage solutions

Need advice?

Have an advisor come meet you at a time and place that's convenient for you.

Find an advisor

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Quick tip

Confused about mortgages? Check out the FAQ for more information.

3 questions about your mortgage

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What are your plans?

Are you buying your first home? Planning to buy a new home or have a custom home built for you? Or are you dreaming of getting a second home? Find out what you need to do in each situation.

See tips

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How much can you afford to pay?

Calculate how much you can spend on a mortgage to determine a target price range. You can also run various scenarios to see how much you'll pay each month.

See calculators

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Which loan type is best for you?

To finance the purchase of your home, you can take out a home equity line of credit or a mortgage loan. Your advisor will help you find the best solution. The next step is to get pre-approved.

Get pre-approved

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What you need to know before you buy your dream home

FIxed-rate

Fixed rate

The interest rate is set when you take out a mortgage and isn't affected by rate fluctuations. Only available on loans.1

Perfect if you're looking to:

  • Make equal payments throughout the duration of the term
  • Protect yourself from interest rate fluctuations
Variable-rate

Variable rate

The interest rate increases and decreases with market fluctuations. Available on loans and lines of credit.1

Perfect if you're looking to:

  • Save on interest if rates go down

 

See current rates

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Tip!

Did you know you can withdraw from your RRSP to make a downpayment?

Learn about the HBP.

We can help with all your home financing needs

Mortgage solutions1

Mortgage loans

Whether you want the peace of mind that comes with a fixed rate, the potential interest savings of a variable rate, or a combination of the two, we've got the mortgage loan for you.

See our mortgage loans

Home equity line of credit

Buy a home with the All-In-OneTM line of credit and leverage your home equity to finance new projects, like renovations or travel.

See the All-In-One

Home improvement line of credit

Does your home need a facelift? Get an attractive interest rate on a line of credit to finance renovations over $5,000 and access your funds at any time.

See the home improvement line of credit

Offer for the self-employed

Looking to take out a mortgage, but don't have conventional proof of income? This offer is for you.

Discover the offer

Loan insurance

Get disability, critical illness and life coverage for your loan or line of credit to make sure your loved ones don't inherit your debt.2

See loan insurance

Services offered

Pre-approval

Apply online – it takes just a few minutes –, guarantee your interest rate for 90 days and benefit from the help of an expert for the last steps.

Get pre-approved

Mortgage refinancing

Finance your projects by leveraging up to 80% of your home's net value.

Apply for refinancing

Mortgage

Want to become a homeowner? Get an attractive mortgage rate to make your project happen.

Apply for a loan

One of our advisors can assist you with every step of your project.

Find an advisor
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Expert advice

Tell me more!

 

Understanding the pre-approval process

Preparing your mortgage application

Tips on buying a home

Learn about accelerated payments

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Toolbox

Take stock of your financial situation.

See mortgage rates

Estimate your loan

Calculate my payments

Rent or buy?

The ABCs of mortgage financing

Calculate mortgage prepayment penalties

Compare various amortization periods

Simulate higher payments

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.

Understanding mortgages

A family in their garden

Buying a first home: 7 steps to follow

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How Long Should it Take to pay off a Mortgage?

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How to Pick the Next “hot” Neighbourhood

See all articles

Ready to get started?

Get an edge over other buyers and guarantee your interest rate for 90 days with a mortgage pre-approval—it's free and there's no obligation to buy.

 

Get pre-approved

 

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Find an advisor

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Frequently asked questions