National Bank of Canada Mortgage Rates
Source: https://www.nbc.ca/personal/mortgages.html
Last updated June 25, 2026.
National Bank of Canada (National Bank) was founded in 1859 and is regulated by OSFI. Mortgages are originated through branch, broker, online channels. Standard prepayment privileges allow up to 10% annual lump sum and up to 100% payment increase per year.
Rates shown are updated daily and are not an offer of credit. Actual rates require lender approval and may differ. Discounted rates are the bank's own published special-offer rates; a mortgage broker can often secure a lower rate than what's shown. See our methodology.
| Term | Posted | Discounted |
|---|---|---|
| 1-Year Fixed | — | |
| 2-Year Fixed | — | |
| 3-Year Fixed | 4.74% | |
| 4-Year Fixed | 4.79% | |
| 5-Year Fixed | 4.84% | |
| 7-Year Fixed | — | |
| 10-Year Fixed | — | |
| Variable | — |
Lender facts
- Founded
- 1859
- Regulator
- OSFI
- Channels
- Branch, Broker, Online
- Prepayment
- 10% lump sum / 100% payment increase
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About National Bank of Canada for mortgages
National Bank's mortgage market is dual-channel. Retail and branch banking are concentrated in Quebec, but the broker channel (sometimes branded NBC Broker / NBI) is one of the most active national wholesale lenders in Canada — most BC, Alberta, and Ontario borrowers who end up with an NBC mortgage do so through a broker rather than a branch. If you see National Bank on a broker quote outside Quebec, that's why.
Best rates by term
See how National Bank of Canada's rates compare to the rest of the market for each term they offer.
