Build your mortgage offer
Get up to $5,800 cashback by adding eligible products and services to your mortgage
*Maximum amount for eligible mortgage transfers. For a limited time only. See terms and conditions for each promotion.
Build your mortgage offer by taking advantage of our promotions
You can get up to $5,800* cashback by transferring your mortgage to National Bank and adding all our eligible mortgage products and services.
*Maximum amount when combining all offers and transferring your mortgage. Promotions valid until January 31, 2025. See terms and conditions of each promotion for details.
Mortgage
Up to $3,000 cashback
on a new eligible mortgage of $100,000 or more. Minimum
3-year commitment.
Mortgage transfer
Up to $1,250 cashback
for qualifying mortgage transfers. View the details of your commitments.
Mortgage insurance
Up to $1,000 cashback
for a new mortgage of $100,000 or more covered by a minimum of
3 protections.
Opening a chequing account
Up to $550 cashback
for new and existing account holders. See eligible packages
and transaction requirements.
Contact one of our advisors to help guide you.
Exclusive offer
Even more benefits for energy-efficient homes
Thinking of buying a low-emission home by October 31, 2025? Good news: you could save even more!
People interested in buying an energy-efficient property with an insured mortgage are eligible for a 25% cashback on mortgage insurance premiums.
National Bank exclusively offers 25% in additional cashback on the premium paid to the mortgage insurer, up to a maximum of $5,000.
All you need to do is present proof of payment from one of our insurers, and you'll receive your cashback directly in your chequing account.
Discover our rate offers for different mortgage terms
| Duration | Interest rate | Prime rate | APR3 |
|---|---|---|---|
| 5-year variable rate2 | ${p2.tauxPromo5ansF|percent:"true"} | ${p2.tauxBase|percent:"true"} ** | ${p2.tac5ans|percent:"true"} ** |
| 3-year fixed rate1 | ${p1.tauxPromo3ansF|percent:"true"} | - | ${p1.tac3ans|percent:"true"} *** |
| 4-year fixed rate1 | ${p1.tauxPromo4ansF|percent:"true"} | - | ${p1.tac4ans|percent:"true"} *** |
| 5-year fixed rate1 | ${p1.tauxPromo5ansF|percent:"true"} | - | ${p1.tac5ans|percent:"true"} *** |
Find the right mortgage for you
Rate (%) as of ${p1.tauxDateJour|date:"-"}
Future homeowners, we’re here to help
Buying a home is so much more than just a mortgage. That's why we’re here to support you throughout the whole process of the purchase. Our personalized advice and tools are designed to meet your needs:
- Got important purchases coming up? Our credit cards can be used to pay for certain expenses4.
- To deal with the unexpected and protect yourself in the event of overdrafts, a line of credit may be right for you4.
- To help you better anticipate tax payments, a systematic savings plan can be a practical solution.
We’re here to help
Ask your questions
Our mortgage advisors are there to help you build your offer.
Get a mortgage pre-approval
Protect your interest rate from hikes for 90 days.
Ready to buy?
Fill out our mortgage loan form, and an advisor will assist you.
Little details that matter
The promotional offer is valid until January 31, 2025. The loan must be disbursed within 90 days of receipt of the client’s application for a mortgage loan from National Bank. The mortgage loan must have a fixed or variable rate and a term of 3 years or longer at the promotional rate in effect and as announced on National Bank’s website. The loan must be for an owner-occupied residential dwelling with 1 to 4 units. There is a limit of one cashback per mortgage loan.
Cashback up to $3,000:
The cashback amount varies according to the mortgage loan amount.
· $1,000 cashback for mortgage loans from $100,000 to $249,999
· $1,500 cashback for mortgage loans from $250,000 to $499,999
· $2,000 cashback for mortgage loans from $500,000 to $749,999
· $3,000 cashback for mortgage loans of $750,000 or more
If all conditions are met, the cashback will be granted within 2 days of the date the loan is disbursed. Mortgage loans are subject to credit approval by National Bank.
You must maintain your mortgage loan for the duration of the term; otherwise, you will be required to reimburse a portion of the cashback received, in proportion to the term remaining.
This promotional offer is valid for files with a mortgage approved before January 31, 2025. The offer applies to mortgage loans transferred from another financial institution to National Bank. It applies to residential mortgage loans for owner-occupied properties with 1 to 4 units.
The mortgage loan must have a principal amount of $100,000 or more and have a closed fixed rate with a 3-year term or a variable rate with a 5-year term at National Bank. You must have a personal chequing account with National Bank, from which pre-authorized mortgage payments will be debited.
Cashback amount:
• When appraisal fees are required: $1,250
• When appraisal fees are not required: $900
Mortgage loans are subject to credit approval by National Bank. You must maintain your mortgage loan for the duration of the term; otherwise, you will be required to reimburse a portion of the cashback received, in proportion to the term remaining. The offer may be modified, extended, or withdrawn without prior notice at any time. The offer may not be combined or used with any other National Bank offer, promotion, or benefit, other than the ones mentioned in this leaflet, and cannot be applied retroactively. The offer does not include prepayment charges (breakage fees) that you may be required to pay.
Promotion period:
April 1 to January 31, 2025
Description of the promotion
Up to $550 cashback after opening a chequing account and adding certain services or carrying out certain transactions and signing up for a new eligible credit card. See the conditions below.
Eligibility conditions
PRODUCTS, SERVICES OR TRANSACTIONS |
CONDITIONS |
CASHBACK |
|---|---|---|
New National Bank®chequing account and signing up for an eligible package/exclusive offer,online services and activating an automatic deposit |
1) Open a chequing account, sign up for The Connected® or The Total® package or the exclusive offer for newcomers or professionals, with the help of an advisor during the promotion. Keep this package or this offer for at least 120 after the chequing account is opened. 2) Be the main holder of the account. 3) Sign up for online banking and online bank and tax statements within 120 days of opening the account. 4) Activate the automatic deposit of your eligible salary or pension in your new chequing account at least once a month for a minimum of 2 consecutive months. This deposit must continue uninterrupted until at least the 120th day after the new chequing account is opened. Automated deposits eligible for the promotion are:
5) You must not have had a National Bank chequing account (single or joint) in the past 24 months. All those conditions must be met to receive the following additional amounts. |
$300 (Basic cashback |
Signing up for a new eligible credit card |
1) Sign up for an eligible credit card (National Bank Platinum, World or World Elite® Mastercard®) within 120 days of opening the chequing account. 2) Make at least one online payment (e.g., minimum payment) for your new credit card from your new chequing account within 120 days of opening the chequing account. 3) Be the primary cardholder of the credit card. 4) You must not have had or used a National Bank credit card in the past 24 months. |
An additional $100 |
Automatic mortgage loan payments |
1) Set up an automatic and recurring payment from the new chequing account for a National Bank mortgage loan within 120 days of opening the chequing account. The payment can't be made to an All-In-One® mortgage line of credit |
An additional $100 |
New systematic savings |
1) Set up a systematic savings plan for a minimum of $50 a month to an eligible investment product distributed by National Bank, within 120 days of opening the new chequing account. Eligible investment products are mutual funds or the Cash Advantage solution opened with National Bank and not one of its subsidiaries or divisions (e.g., National Bank Financial, National Bank Direct Brokerage, etc.). 2) Make systematic savings transfers from the new chequing account for at least 2 consecutive months and keep them uninterrupted at least until the 120th day after the new chequing account is opened. 3) Be the main holder of an investment product. 4) Have not set up a National Bank systematic savings plan within the past 24 months. |
An additional $50 |
Total cashback if allconditions are met |
$550 |
When will the cashback be paid to your chequing account
The total cashback to which you are entitled will be deposited to your new chequing account no later than 180 days after the account is opened.
Other conditions :
- You can receive only one cashback for this chequing account.
- You must be at least 14 years old when you open the new chequing account.
- You need to keep the new chequing account and the new eligible credit card (if applicable) for at least 12 months starting when the account is opened. If you don't meet this condition, you'll have to reimburse a portion of the cashback for the product you didn't maintain corresponding to the period remaining.
- You must keep your chequing account in good standing for 120 days after the account is opened by complying with the conditions set out in the Deposit Account Agreement. For example, you need to pay the monthly fees of the chequing account when applicable.
- Keep the account in good standing by complying with the conditions set out in the Credit card agreement. For example, all minimum payments must be made on time.
- The new eligible credit card (if applicable) is granted subject to credit approval from National Bank. You must be 18 years old when you sign up for the new card. Other conditions apply to the issue of the card.
- You must not be employed by National Bank or one of its subsidiaries.
- This promotion may be modified or withdrawn without prior notice.
- This promotion can't be combined with any other promotion applicable to eligible chequing accounts, an exclusive offer or banking packages. However, it can be combined with another eligible National Bank credit card, mortgage loan or investment promotion.
The promotional offer is valid until January 31, 2025.
This offer applies to Personal Banking clients of National Bank who take out a mortgage loan of $100,000 or more during the promotional period and sign up for 3 or more types of insurance coverage (life, disability, and critical illness). The amount of the cashback varies depending on the amount of coverage taken out by the borrower and their co-borrowers, if applicable, and the amount of the loan covered by life insurance. The client must sign up for mortgage loan insurance when the loan is granted or, at the latest, when the loan is disbursed. The mortgage loan insurance application must be signed during the promotional period.
This offer applies to a new purchase, external refinancing, or mortgage transfer. Mortgage renewals, internal refinancing, and mortgage renegotiations are excluded from the offer. Financing must be for a residential dwelling with 1 to 6 units.
The cashback amount can be up to $1,000.
Amount covered by life insurance from $100,000 to $399,999.99
Number of types of coverage |
Total cashback |
3 types of coverage |
$200 |
4 types of coverage |
$400 |
5+ types of coverage |
$600 |
Amount covered by life insurance of $400,000.00 and more
Number of types of coverage |
Total cashback |
3 types of coverage |
$400 |
4 types of coverage |
$800 |
5+ types of coverage |
$1000 |
If all conditions are met:
· The first half of the cashback will be awarded during the month following the loan disbursement.
· The remaining half of the cashback will be awarded no later than 6 months after the loan disbursement.
The cashback will be deposited in two (2) portions to the transaction account from which mortgage payments are collected, within 30 days of the conditions being met. No insurance claim must have been accepted for your loan within the first 6 months of disbursement for all insured persons under the agreement. To benefit from the full cashback, the client must keep all the coverage to which they subscribed at disbursement for 6 months after the loan is disbursed and must be up to date with their mortgage payments.
The offer may be modified, extended, or withdrawn without prior notice at any time. 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. There is a limit of only one cashback per eligible mortgage for the duration of the promotion, regardless of the number of co-borrowers. Clients cannot benefit from the offer more than once.
The promotion is valid for mortgage loans disbursed between February 1 and October 31, 2024.
Mortgage loans are subject to credit approval by National Bank. To take advantage of the promotion, you must:
- Have an insured and eligible mortgage loan disbursed by National Bank during the promotion period with a down payment of less than 20% (high-ratio mortgage)
- Be insured and approved by an eligible loan insurer (CMHC-SAGEN-Canada Guaranty)
- Ensure the property meets the energy efficiency criteria determined by the eligible insurers and provide proof the 25% refund has been received from the loan insurer
- Have a National Bank account to receive the additional cashback
If all conditions are met, the cashback of 25% of the loan insurance premium will be granted within 10 days of the receipt of refund proof of the 25% repaid by the loan insurer. You must maintain your mortgage loan for the duration of the term; otherwise, you will be required to reimburse a portion of the cashback received, in proportion to the term remaining.
Conventional mortgages or All-In-Ones® are not eligible for this promotion.
Only one cashback per mortgage loan. The cashback is not retroactive.
This energy-efficient home promotion can’t be combined with any other cashback promotion with promotional rates on a new National Bank mortgage loan. If that is the case, any cashback related to another National Bank promotion will be deducted from the amount of the energy-efficient home promotion at financing. For example, a client eligible to receive $3,500 for this promotion who has already received cashback of $500 for their mortgage financing is eligible for a maximum cashback of $3,000 for the energy-efficient home promotion.
This promotion may be modified or withdrawn without prior notice.
**Refers to standard rate.
***Based on a $350,000 fixed-rate mortgage:
- With a chosen term
- With a 5-year closed term
- With 25-year amortization
- With a $5/month administration fee
- With a $350 appraisal fee. The appraisal fee may be adjusted or may not be charged as part of the assessment of your mortgage application.
1. Rates may differ if amortization is more than 25 years. Contact
an expert for more information.
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" that represents the total interest
and fees charged by National Bank, expressed as an annual
percentage.
4. Subject to credit approval by National Bank.