National Bank mortgage rates
National Bank's lowest 5-year fixed rate on its own website was 4.69% (insured) when we read it on Nov 13, 2026. Its posted 5-year rate was 6.14%, 1.45 points higher. Its lowest variable was 4.35%. The lowest comparable rate we collected anywhere was 4.34% at ATB Financial.
What are National Bank's mortgage rates by term?
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 6-month | — | 6.09% | — | — | $3,225.83 |
| 1-year | 5.49% | 5.49% | 0.00 pts | $3,049.05 | $3,049.05 |
| 2-year | 5.19% | 5.24% | 0.05 pts | $2,962.34 | $2,976.71 |
| 3-year | 5.09% | 6.09% | 1.00 pts | $2,933.69 | $3,225.83 |
| 4-year | 5.09% | 6.05% | 0.96 pts | $2,933.69 | $3,213.91 |
| 5-year | 4.69% insured | 6.14% | 1.45 pts | $2,820.42 | $3,240.76 |
| 6-year | — | 6.40% | — | — | $3,318.87 |
| 7-year | 5.34% | 6.40% | 1.06 pts | $3,005.55 | $3,318.87 |
| 10-year | — | 6.80% | — | — | $3,440.56 |
What does National Bank's 5-year rate cost on $500,000?
| National Bank special | 4.69%read Nov 13, 2026 |
|---|---|
| National Bank posted | 6.14% |
| Mortgage | $500,000, 25 years, 5-year term |
| Monthly payment, lower → higher rate | $2,820.42 → $3,240.76 |
| Interest difference over 5 years | $34,934 |
Open this example in the calculator →Computed Nov 13, 2026.
Which National Bank rates did we collect, and from which page?
| Term | Type | Insured | Kind | Rate | Fine print (the lender's words) | Source |
|---|---|---|---|---|---|---|
| 6-month | Fixed | Not split | posted | 6.09% APR 6.31% | — | page as of Nov 13, 2026 |
| 1-year | Fixed | Not split | special | 5.49% APR 5.61% | — | page as of Nov 13, 2026 |
| 1-year | Fixed | Not split | posted | 5.49% APR 5.61% | — | page as of Nov 13, 2026 |
| 2-year | Fixed | Not split | special | 5.19% APR 5.26% | — | page as of Nov 13, 2026 |
| 2-year | Fixed | Not split | posted | 5.24% APR 5.31% | — | page as of Nov 13, 2026 |
| 3-year | Fixed | Not split | special | 5.09% APR 5.14% | — | page as of Nov 13, 2026 |
| 3-year | Fixed | Not split | posted | 6.09% APR 6.10% | — | page as of Nov 13, 2026 |
| 4-year | Fixed | Not split | special | 5.09% APR 5.13% | — | page as of Nov 13, 2026 |
| 4-year | Fixed | Not split | posted | 6.05% APR 6.09% | — | page as of Nov 13, 2026 |
| 5-year | Variable | Not split | special | 4.35% prime − 0.35 APR 4.39% | — | page as of Nov 13, 2026 |
| 5-year | Fixed | Insured | special | 4.69% APR 4.73% | — | page as of Nov 13, 2026 |
| 5-year | Variable | Not split | posted | 4.70% prime + 0.00 APR 4.74% | — | page as of Nov 13, 2026 |
| 5-year | Fixed | Not split | special | 5.14% APR 5.18% | — | page as of Nov 13, 2026 |
| 5-year | Fixed | Not split | posted | 6.14% APR 6.18% | — | page as of Nov 13, 2026 |
| 6-year | Fixed | Not split | posted | 6.40% APR 6.44% | — | page as of Nov 13, 2026 |
| 7-year | Fixed | Not split | special | 5.34% APR 5.37% | — | page as of Nov 13, 2026 |
| 7-year | Fixed | Not split | posted | 6.40% APR 6.43% | — | page as of Nov 13, 2026 |
| 10-year | Fixed | Not split | posted | 6.80% APR 6.83% | — | page as of Nov 13, 2026 |
Highlighted rows are the lowest special or advertised rate for that term and type among the rows shown. * = the lender's own prime rate plus its stated spread. Collected Nov 13, 2026; check the lender's page before relying on any rate.
How does National Bank charge to break a mortgage early?
Prepayment and penalties
We didn't find National Bank's penalty method on the pages we read. It's in your mortgage contract's information box.
Check a National Bank posted-rate IRD · full penalty calculator on BankMortgages.ca
About this lender
Bank lending across Canada. Prime rate 4.70% as stated on its site (as of Nov 13, 2026).
MortgageRateToday.ca isn't affiliated with National Bank and isn't paid by any lender.
Frequently asked questions
What is National Bank's 5-year fixed mortgage rate?
On Nov 13, 2026, National Bank's own website showed 4.69% (insured) for a 5-year fixed and a posted 5-year fixed rate of 6.14%. Rates change often; check the lender's page.
What is National Bank's variable mortgage rate?
The lowest closed variable rate on its page was 4.35% (prime − 0.35) for a 5-year term, with National Bank's prime at 4.70%.