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National Bank Mortgage Rates

Below you'll find the best mortgage rates from National Bank. Be sure to compare rates between lenders to get the best product for you.

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National Bank Mortgage Rates

Rates updated:

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Provider5 Year fixed5 Year variable3 Year fixed



Prime -1.25%




Prime -0.61%




Prime -0.59%




Prime -0.55%




Prime -0.60%




Prime -0.60%




Prime 0.04%


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National Bank mortgage rates overview

The National Bank of Canada (NBC, or just National Bank) is the sixth largest bank in Canada. While it doesn't make it into Canada's "Big Five Banks", the phrase "Big Six Banks" is often used to include National Bank as well. National Bank has a large range of retail mortgage products, as you might expect.

This page outlines some of the mortgage products National Bank offers. Once you've had a look through, use the tools at the top of this page to receive personalized quotes from multiple lenders for free. It's only by comparing what lenders will offer you that you'll really be able to understand what kind of mortgages are available to you.

National Bank mortgage products

National Bank has a range of mortgage products, including some products that aren't offered by many of Canada's other big banks. Below are some of National Bank's mortgage products.

Fixed-rate mortgages

National Bank offers fixed-rate mortgages in a range of term lengths, including the shortest closed term available from any of Canada's big banks. Closed terms with fixed rates are available from 3 months up to 10 years. Open terms with fixed rates are available with a 6-month and 1 -year term.

Variable-rate mortgages

Variable-rate mortgages are available in just one term length from National Bank, a 5-year closed term. While this is not uncommon, many of Canada's other large banks do offer shorter variable-rate terms (such as a 3-year variable mortgage rate). 

Home Equity Line of Credit (HELOC)

National Bank's "All-In-One" mortgage product allows you to combine a home equity loan with your mortgage, either as a lump sum loan or as a Home Equity Line of Credit (HELOC). A lump-sum loan is a good idea if you need money right away, for renovations for example. A HELOC is better used if you might need the money at a later point in your mortgage term.

Self-Employed Worker mortgages

People who run a small business, are a freelancer, or otherwise self-employed can sometimes find it difficult to get a competitive mortgage. This is because their income is technically not guaranteed, at least in comparison to salaried workers. National Bank's Self-Employed Worker mortgage aims to address this by offering a mortgage solution tailored to the needs of self-employed Canadians. 

Jamie David, Director of Marketing and Head of Mortgages

Jamie has 15+ years of business and marketing experience. She contributes her mortgage expertise to The Globe and Mail and authors Ratehub’s mortgage and homebuying guides. read full bio


Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.

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We own and operate a mortgage brokerage, (formerly known as CanWise Financial), and are compensated for mortgages funded through our brokerage. Ratehub Inc. o/a & CanWise is a licensed mortgage brokerage and CMHC-approved lender. When comparing mortgage rates on, you’ll see rates from a number of lenders, including CanWise. All products are sorted according to the rates available to you and the selection criteria you’ve shared with us. Both and CanWise are owned and operated by Ratehub Inc.

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