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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.

National Bank Mortgage Rates

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Best market rate


Prime -1.60

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Prime -0.90






Prime -0.80




Prime -1.00





Prime -0.86













Prime -0.75




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National Bank mortgage rates overview

The National Bank of Canada (NBC, or just National Bank) is the 6th 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. 

Author bio

Jamie David

Jamie David is the Business Director of Mortgages at A graduate of the Systems Design Engineering program at the University of Waterloo, she has over 15 years of business, marketing, and engineering experience in the financial technology, banking, education, energy and retail industries. She has worked in top organizations like TD Bank, Trading Pursuits, Petro-Canada, and the TTC. Her passion for personal finance, investing, education, and business strategy brought her to where she heads a very talented, cross-functional team that is dedicated to providing Canadians with the best mortgage experience all the way through from online search to (keys-in-your-hand) funded mortgage.


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How are CanWise Financial and connected?

Both and CanWise Financial are owned and operated by Ratehub Inc. When comparing mortgage rates on, you’ll see rates from a number of lenders and mortgage brokers, including CanWise Financial. All products are sorted according to the rates available to you and the selection criteria you’ve shared with us.

We’re happy to send users to CanWise because of their great rates, trusted advice, and experienced mortgage team. Read any of their 3,300 five-star Google and Facebook reviews and you’ll see what we mean.