National Bank of Canada

About National Bank

The founding of what we know today as National Bank of Canada can be traced back to as far as 1859. Since then, it has undergone numerous mergers, takeovers, and corporate changes to become the institution we are familiar with today.

As a bank, they provide a wide range of financial services that include traditional banking services and products, mortgage products, insurance products and services, and investment opportunities.

National Bank Mortgage Product Rates

National Bank provides an updated list of their available rates on the National Bank website’s mortgage section. Different mortgage products are available with differing interest rates based on the type of product and its details.

National Bank Mortgage Products

National Bank has a limited number of choices when it comes to mortgage products. This is to ensure that they provide simple and accessible products that will be appropriate for a large audience.

National Bank All-In-One

This product combines a mortgage with a line of credit to fund your renovations, upgrades, etc. You can either have multiple accounts that you manage separately or combine them into one. This is a fixed-rate product that comes in a number of terms.

Fixed-rate mortgage

A stock standard mortgage product that can provide very low interest rates. 6 month and 1 year terms are available as open mortgages while 3 month, 6 month, 1-7 years, 10 years, and 1 month closed mortgages are available.

Variable-rate mortgage

Variable mortgages can be converted to fixed mortgages for a term equal to or greater than the remaining term. They are available in closed 5-year terms. There is also a capped-rate option for the security that will payments will not rise above a certain rate. This capped rate is based on a 5-year rate at the time of signing.

As auxiliary services, they also provide:

  • Loan insurance
  • Revolving Clauses
  • Program for Self-Employment
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Other National Bank Products

As a bank and regulated financial institution, National Bank offers plenty of other financial services and products to choose from. Their main focus is on providing traditional banking services such as:

  • Bank accounts, including a selection of chequing, interest, and savings accounts.
  • Credit cards.
  • Borrowing services, such as line of credit products for individuals in different circumstances.
  • Saving and investment opportunities.
  • Insurance.

National Bank Pre-Approval

You can pre-apply for a mortgage on the National Bank website. The pre-approval process is relatively simple and will help to speed along your application process as well as help you establish what options are available to you.

To get a pre-approval, you will need to provide the following information:

  • Personal information.
  • Information on your current financial standing.
  • Your current residential address and particulars.
  • Information pertaining to your proposed property.

A National Bank mortgage specialist will review your application and contact you with the results as well as with steps on how to proceed further. You can contact a National Bank representative for assistance or clarification.

National Bank Mortgage Application

You can also apply for a mortgage product online without pre-approval if you have made up your mind and are certain that you comply with all criteria. You will need to provide similar information than is needed for a pre-approval application.

Alternatively, you can contact a representative directly or visit a local branch.

Find out more Canadian mortgage lenders: Mortgage Intelligence, Meridian, MCAP, Manulife Bank, TD Bank and others.