DON’T MISS IT!

Renewing your mortgage

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

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.

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.

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.

How to renew your mortgage

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.

Identify your needs

Choose your preferred duration, payment frequency and rate options.

Contact our experts

Explore your options with an advisor and renew your mortgage in just a few minutes. Call us at 1‑877‑281‑0144.

Speak with an expert

Tip

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

${p1.tauxPromo5ansF|percent:"true"}

APR² : ${p1.tac5ans|percent:"true"}^*

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

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

See all rates

Mortgage payment calculator

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

Calculate your 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 mortgage renewals

See all

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

Ready to renew your mortgage?

Call us to discuss your options.

1‑877‑281-0144

Frequently Asked Questions

{"cache":{"resources":{"/content/bnc/en/accueil/particuliers/hypotheque/renouvellement/jcr:content/floating-menu":{"data":{},"depth":0}},"scripts":{},"included":{},"serviceCalls":{"/content/bnc/en/accueil/particuliers/hypotheque/renouvellement/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getEncryptedLanguage()":"{d37a0cc2534f3e7b8b3e51750996a6084dbe2f85a358c661d6b7064c0453e5f5}","/content/bnc/en/accueil/particuliers/hypotheque/renouvellement/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getEncryptedContextType()":"{dd9424fe689cf1afd6a49125c6679b8bcc9f189d8e9c7749abaa4d7fbd416158cfd2d2081a315cd467b015a8b095cb60}","/content/bnc/en/accueil/particuliers/hypotheque/renouvellement/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getTopFaq()":"{\"faqs\":[{\"answer\":\"Some branches are temporarily&nbsp;closed,&nbsp;and others have reduced business hours. Before your visit, check&nbsp;<a href=\\\"https://locator.nbc.ca/\\\">our branch locator<\\/a>&nbsp;for our updated business hours.&nbsp;Our ABMs continue to remain available.&nbsp;To find the closest ABM near you,&nbsp;<a href=\\\"https://locator.nbc.ca/\\\">click here<\\/a>.&nbsp;<\\/p>\\n\",\"question\":\"COVID-19: What are the modified branch business hours?\",\"complex\":\"false\",\"id\":\"/content/bnc/en/accueil/particuliers/faq-general/heures-douverture-modifiees-succursales\",\"cleanAnswer\":\"Some branches are temporarily&nbsp;closed,&nbsp;and others have reduced business hours. Before your visit, check&nbsp;our branch locator&nbsp;for our updated business hours.&nbsp;Our ABMs continue to remain available.&nbsp;To find the closest ABM near you,&nbsp;click here.&nbsp;\\n\",\"boostKeywords\":[\"covid-19, coronavirus, corona-virus\"],\"url\":\"https://www.nbc.ca/personal/faq-general/heures-douverture-modifiees-succursales.html\"},{\"answer\":\"Consult our section on&nbsp;<a href=\\\"/content/bnc/en/accueil/covid-19/voyages.html\\\">COVID-19<\\/a>&nbsp;for information regarding travel and more.<\\/p>\\nThis section is regularly updated.&nbsp;<\\/p>\\n\",\"question\":\"COVID-19 : Travel advice, refund and flight cancellation\",\"complex\":\"false\",\"id\":\"/content/bnc/en/accueil/particuliers/faq-general/covid-19-conseils-voyageurs-remboursement-annulation-de-vol\",\"cleanAnswer\":\"Consult our section on&nbsp;COVID-19&nbsp;for information regarding travel and more.\\nThis section is regularly updated.&nbsp;\\n\",\"boostKeywords\":[\"Travel, refund, flight cancellation\",\"\"],\"url\":\"https://www.nbc.ca/personal/faq-general/covid-19-travel-advices-refund-flight-cancellation.html\"},{\"answer\":\"Need to deposit a cheque? With the <a href=\\\"/content/bnc/en/accueil/particuliers/comptes/application-mobile.html\\\">National Bank mobile app<\\/a>, you can deposit cheques anytime, anywhere, by taking a photo with your smart phone or tablet.<\\/p>\\n<a href=\\\"https://bncdemo.com/en/course/start/public-mobile-cheque-deposit/emulator-public-mobile-cheque-deposit/emulator\\\">See demo<\\/a><\\/p>\\n\",\"question\":\"How can I deposit cheques using my mobile device?\",\"complex\":\"false\",\"id\":\"/content/bnc/en/accueil/particuliers/faq-general/comment-faire-un-depot-numerique-cheques\",\"cleanAnswer\":\"Need to deposit a cheque? With the National Bank mobile app, you can deposit cheques anytime, anywhere, by taking a photo with your smart phone or tablet.\\nSee demo\\n\",\"boostKeywords\":[\"hypothèque, mortgage deferral, mortgage, deferral, report\"],\"url\":\"https://www.nbc.ca/personal/faq-general/how-can-deposit-cheques-using-your-mobile-device.html\"},{\"answer\":\"Due to COVID-19, the Interac<\\/i> e-Transfer® limit has been temporarily modified.<\\/p>\\nYour business can send:<\\/p>\\n<ul>\\n<li>$5,000 per day<\\/li>\\n<li>$25,000 per week&nbsp; \\n&nbsp;<\\/li>\\n<\\/ul>\\nYour business can receive:<\\/p>\\n<ul>\\n<li>$100,000 per week It is possible to view the different limits when the transfer is sent.<\\/li>\\n<\\/ul>\\n®The Interac<\\/i> and Interac\\u202fe-Transfer are registered trademarks of Interac Corp. Used under licence.<\\/p>\\n\",\"question\":\"COVID-19: What is the limit for an Interac e-Transfer for businesses?\",\"complex\":\"false\",\"id\":\"/content/bnc/en/accueil/particuliers/faq-general/covid-19-quel-est-le-montant-limite-pour-un-virement-interac-pour-les-entreprises\",\"cleanAnswer\":\"Due to COVID-19, the Interac e-Transfer® limit has been temporarily modified.\\nYour business can send:\\n\\n$5,000 per day\\n$25,000 per week&nbsp;\\n&nbsp;\\n\\nYour business can receive:\\n\\n$100,000 per week It is possible to view the different limits when the transfer is sent.\\n\\n®The Interac and Interac\\u202fe-Transfer are registered trademarks of Interac Corp. Used under licence.\\n\",\"boostKeywords\":[\"mortgage deferral, mortgage, deferral, covid\"],\"url\":\"https://www.nbc.ca/personal/faq-general/covid-19-what-is-the-limit-for-an-interac-e-transfer-for-businesses.html\"},{\"answer\":\"We continue to implement innovative measures to support your business. Stay informed and see the complete list of our relief measures and other programs on our&nbsp;<a href=\\\"/content/bnc/fr/accueil/entreprises/covid-19.html\\\">COVID-19 page<\\/a>.<\\/p>\\nThis page is updated regularly.<\\/p>\\n\",\"question\":\"COVID-19: What support measures have been put in place by National Bank for businesses? \",\"complex\":\"false\",\"id\":\"/content/bnc/en/accueil/particuliers/faq-general/covid-19-quelles-sont-les-mesures-de-soutien-mises-en-place-par-banque-nationale-entreprises\",\"cleanAnswer\":\"We continue to implement innovative measures to support your business. Stay informed and see the complete list of our relief measures and other programs on our&nbsp;COVID-19 page.\\nThis page is updated regularly.\\n\",\"boostKeywords\":[\"mortgage deferral, mortgage, deferral, covid\"],\"url\":\"https://www.nbc.ca/personal/faq-general/covid-19-what-support-measures-have-been-put-in-place-by-national-bank-businesses.html\"},{\"answer\":\"For a credit limit increase, sign in to&nbsp;<a href=\\\"https://app.bnc.ca/\\\" target=\\\"_blank\\\">your online bank<\\/a>:&nbsp; \\n<\\/p>\\n<ol>\\n<li>Click&nbsp;Overview<\\/b>&nbsp;in the left menu&nbsp;<\\/li>\\n<li>Select your&nbsp;credit card<\\/i>&nbsp;<\\/li>\\n<li>Click&nbsp;Increase my limit<\\/b>&nbsp;<\\/li>\\n<li>Follow the instructions&nbsp;<\\/li>\\n<\\/ol>\\n\",\"question\":\"How do I increase my credit limit?\",\"complex\":\"false\",\"id\":\"/content/bnc/en/accueil/particuliers/cartes-credit-mastercard/faq/comment-augmenter-ma-limite-de-credit\",\"cleanAnswer\":\"For a credit limit increase, sign in to&nbsp;your online bank:&nbsp;\\n\\n\\nClick&nbsp;Overview&nbsp;in the left menu&nbsp;\\nSelect your&nbsp;credit card&nbsp;\\nClick&nbsp;Increase my limit&nbsp;\\nFollow the instructions&nbsp;\\n\\n\",\"boostKeywords\":[\"deferral, minimum payment\"],\"url\":\"https://www.nbc.ca/personal/mastercard-credit-cards/faq/how-do-i-increase-my-credit-limit.html\"},{\"answer\":\"We understand you have many questions about your loan insurance and credit card payment insurance. Here are <a href=\\\"https://www.nbc.ca/personal/notice.html#section4\\\">some tips<\\/a> to help you.&nbsp;<\\/p>\\n\",\"question\":\"COVID-19 : How to proceed if I have loan or payment insurance?\",\"complex\":\"false\",\"id\":\"/content/bnc/en/accueil/particuliers/faq-general/covid-19-comment-proceder-assurance-pret-ou-paiement\",\"cleanAnswer\":\"We understand you have many questions about your loan insurance and credit card payment insurance. Here are some tips to help you.&nbsp;\\n\",\"boostKeywords\":[\"covid, covid-19, coronavirus\"],\"url\":\"https://www.nbc.ca/personal/faq-general/covid-19-how-to-proceed-if-i-have-loan-or-payment-insurance.html\"}],\"displayFloatingMenu\":true}","/content/bnc/en/accueil/particuliers/hypotheque/renouvellement/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getTitle()":"Frequently asked questions","/content/bnc/en/accueil/particuliers/hypotheque/renouvellement/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getFloatingMenuSubtitle()":"Personal","/content/bnc/en/accueil/particuliers/hypotheque/renouvellement/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getFloatingMenuImage()":"/content/dam/bnc/commun/picto/faq-pastille.png","/content/bnc/en/accueil/particuliers/hypotheque/renouvellement/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getNewAnnouncement()":"New!<\/p>\r\n <a>Search<\/a> through our new Frequently Asked Questions now.<\/p>\r\n","/content/bnc/en/accueil/particuliers/hypotheque/renouvellement/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getShowInitialAnnouncement()":"","/content/bnc/en/accueil/particuliers/hypotheque/renouvellement/jcr:content/floating-menu_com.bnc.aem.websites.toolkit.sling.models.react.FloatingMenuModel.getLanguage()":"en"}},"resourceType":"web-sites-react/components/floating-menu","path":"/content/bnc/en/accueil/particuliers/hypotheque/renouvellement/jcr:content/floating-menu","wcmmode":"disabled"}