National Bank of Canada
National Bank of Canada mortgage rates — and how to beat the posted rate.
National Bank of Canada’s broker-channel rate is typically 15-30 bps below the rate you’d see walking into a branch. We access it as an FSRA-licensed brokerage — and compare it against 50+ lenders so you get the best fit, not just one bank’s sheet.
Rates as of May 13, 2026 · source: editorial rate registry. Personalized rate depends on your file. O.A.C.
5-year fixed
4.19%
Best in our network
5-year variable
4.04%
Best in our network
3-year fixed
4.39%
Best in our network
About National Bank of Canada (a broker’s view)
Canada's sixth-largest bank, strongest in Quebec. Competitive newcomer program (NBC Newcomer), good underwriting flexibility on Quebec-specific files, and the All-in-One readvanceable mortgage (similar to Manulife One).
- Quebec market depth
- All-in-One readvanceable mortgage
- NBC Newcomer program
- Bilingual service
National Bank of Canada mortgage rates — FAQ
What are National Bank of Canada's mortgage rates today?
Lenders run two rate sheets — the posted/branch rate and the broker-channel rate. As an FSRA-licensed brokerage we access National Bank of Canada's broker-channel pricing, typically 15-30 bps below their posted rate. Your exact rate depends on your file (income, credit, LTV, property).
Is National Bank of Canada a good mortgage lender?
Canada's sixth-largest bank, strongest in Quebec. Competitive newcomer program (NBC Newcomer), good underwriting flexibility on Quebec-specific files, and the All-in-One readvanceable mortgage (similar to Manulife One).
Can I get a lower rate than National Bank of Canada's posted rate?
Usually, yes. National Bank of Canada's broker-channel rate is typically lower than the walk-in rate, and we also compare National Bank of Canada against 50+ other Canadian lenders — sometimes another lender prices your specific file better. We shop all of them on one application.
Does National Bank of Canada offer rate holds?
Yes — like all major Canadian lenders, National Bank of Canada offers rate holds (typically 90-120 days) for pre-approved borrowers. We can submit your file to National Bank of Canada for a real underwritten pre-approval.
How do I apply for a National Bank of Canada mortgage?
Through a licensed broker you reach National Bank of Canada's broker channel directly. Start a no-obligation application with Mortgage Squad Advisors (FSRA #13737) and we'll submit to National Bank of Canada — and compare it against the rest of the network — with no bureau pull to begin.