Lenders
National Bank
National Bank is recorded in this encyclopedia as a bank operating across Canada, mainly Quebec, and it deals with borrowers directly and through mortgage brokers.
| Type | bank |
|---|---|
| Operates | Across Canada, mainly Quebec |
| Head office province | Quebec |
| Website | https://www.nbc.ca/rates/alt-a-rates.html |
| Publishes rates | Yes. Its published rates are in the mortgage rates section. |
| Channel | both |
Published rates held for this lender
31 published rate rows in this capture were printed under this lender's own name, drawn from its own rate sheet and from the mortgage sweep. They are the same rows that appear in the mortgage rates record, gathered here so the lender's prices can be read beside its record.
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Chequing account | National Bank The Chequing Account For Newcomers to Canada | $0 (for up to 3 years) | Best newcomer chequing account (at a glance table) | Compare the Best Chequing Accounts in Canada | Ratehub.ca | Rates updated: November 10, 2026, 8:13 p.m. |
| Chequing account | The Chequing Account For Newcomers to Canada | $0 (for up to 3 years) | Best newcomer chequing account as labelled on page; no account fees for first 3 years as printed on page | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
| GIC | 1-year non-redeemable GIC | 3.15% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.55% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.75% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.85% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 4.00% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| HELOC | HELOC | 5.70% | Prime + 1.00% | Best Canada HELOC Rates - 4.45% | WOWA.ca | As of November 14th, 2026 |
| HELOC | HELOC (variable) | 5.70% (Prime + 1.00%) | Rates may be public lender rates, lender-submitted rates, or broker-sourced rates. Broker-sourced rates may not be available directly from the lender. HELOC rates are variable interest rates that are based on your lender's prime rate. Minimum monthly payment is estimated as an interest-only payment based on the drawn HELOC amount. | Best Canada HELOC Rates - 4.45% | WOWA.ca | 2026-11-14 |
| Mortgage | 1 year fixed rate (promotion) Promotional | 5.49% | Special offers on certain terms; PROMOTION; Other promotional rates table as printed, with APR in the same table; APR 5.61%** | Mortgage rates: see current rates | National Bank | 2026-11-15 |
| Mortgage | 1-year fixed (special offer) Promotional | 5.49% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 10-year fixed (Bank Rate) | 6.09% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 10-year fixed (Bank Rate, posted) | 6.09% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 2 year fixed rate (promotion) Promotional | 5.19% | Special offers on certain terms; PROMOTION; Other promotional rates table as printed, with APR in the same table; APR 5.26%** | Mortgage rates: see current rates | National Bank | 2026-11-15 |
| Mortgage | 3-year fixed (closed) | 6.09% | Posted | National Bank Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on National Bank’s rates page, rates “as at 11-02-2026” |
| Mortgage | 3-year fixed (insurable) | 5.09% | Insurable (e.g. home<$1M & amortization≤25-yr) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 3-year fixed (insured) | 5.09% | Insured (e.g. down payment<20%) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 3-year fixed (insured) | 5.09% | fixed rate via a bank channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 3-year fixed (special offer) Promotional | 5.09% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 3-year fixed (uninsurable) | 5.09% | Uninsurable (e.g. home ≥ $1M & down payment ≥ 20%, or refinances) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 4-year fixed (Bank Rate) | 4.44% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 4-year fixed (Bank Rate, posted) | 4.44% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 5 year fixed high ratio rate (promotion) Promotional | 4.69% | Special offers on certain terms; PROMOTION; 5 year fixed high ratio rate1 as printed; no APR figure was printed for this row in the extracted text | Mortgage rates: see current rates | National Bank | 2026-11-15 |
| Mortgage | 5-year fixed (insured) | 4.69% | fixed rate via a bank channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 5-year fixed (posted) | 6.14% | fixed rate via a bank channel, as published by the source. | NerdWallet Canada: 5-Year Fixed Mortgage Rates in Canada | 2026-11-14 |
| Mortgage | 5-year fixed (special offer) Promotional | 5.14% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 5-year variable, Prime - 0.35% | 4.35% | Special / advertised | National Bank Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on National Bank’s rates page, rates “as at 11-02-2026” |
| Mortgage | 7 year fixed rate (promotion) Promotional | 5.34% | Special offers on certain terms; PROMOTION; Other promotional rates table as printed, with APR in the same table; APR 5.37%** | Mortgage rates: see current rates | National Bank | 2026-11-15 |
| Mortgage | Prime rate | 4.70% | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | As of November 14, 2026 | |
| Mortgage | Variable (60-month), Prime + 0.00% | 4.70% | Posted | National Bank Mortgages: Rates, Prepayment, Penalties, HELOC | As shown on National Bank’s rates page, rates “as at 11-02-2026” |
| Savings account | High Interest Savings Account | 0.65% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Products as recorded
- Fixed-rate closed mortgages
- Open mortgages
- Variable-rate mortgages
- All-In-One (mortgage, line of credit and banking)
Acquired Canadian Western Bank (amalgamated March 1, 2025); in the Laurentian Bank split sale closed Nov 1, 2026 it acquired about $3.7B of retail and SME assets and assumed about $8B of liabilities
The lender's own website.
Sources for this record
- https://www.bankmortgages.ca/nbc-mortgages
- https://www.nbc.ca/rates/alt-a-rates.html
- https://en.wikipedia.org/wiki/List_of_banks_and_credit_unions_in_Canada
Encyclopedia captured 2026-11-14.