National Bank Mortgage Rates
NBC Mortgage Products Available Through Xperto
Home or Condo Purchase
Mortgage Renewal
Refinancing (projects, debts, renovations)
Rental Property or Secondary Residence
Self-Employed Loan
All-in-One Mortgage Line of Credit
Solutions for everything
Why go through Xperto rather than directly through National Bank?
Simple – Fast – Efficient
Steps for a Mortgage Pre-Approval with NBC
First Step
Free assessment with an Xperto broker
Second Step
Preparing your file (income, down payment, debts)
Third Step
Submission to National Bank and rate lock for 90 to 120 days
Fourth Step
Receiving your pre-approval certificate
National Bank Mortgage Rate Comparison (2025)
| Term | Posted NBC Rate | Rate Negotiated with Xperto |
|---|---|---|
| 5-Year Fixed Rate | 5.39 % | up to 4.99 % |
| 5-Year Variable Rate | 6.25 % | up to 5.79 % |
| 3-Year Fixed Rate | 5.24 % | up to 5.05 % |
*Rates vary depending on your profile. Speak with a broker for a personalized simulation.
Each has its advantage
Fixed Rate or Variable Rate
What to Choose with National Bank?
Our brokers advise you based on your profile, goals, and risk tolerance.
Fixed Rate
Variable Rate
We guide you at every step
Documents Required to Start an Application
All these documents can be intimidating… but not with us.
With Xperto, every step is explained, simplified, and most importantly, handled together with you.
Pay stubs or tax assessment notices
Credit report
Down payment
Valid ID
Purchase offer (or property information)
Investment statements (if applicable)
What Our Clients Say
Professional, devoted and always here for you, this is in breef my experience with Xperto Mr.Antoine feghali and Mme Bahaa Bou Aboud, keep up the good work guys!
Great collaboration with Domenico. My case wasn’t the easiest, but Domenico was able to find a solution! My family and I thank you again for allowing us to purchase our duplex! 100% recommended!
I would like to express my great satisfaction with our Mortgage Broker, Antoine Geha. He offered us the best mortgage options tailored to our situation. I truly appreciate his clear and transparent communication throughout the process, his negotiation skills, and his follow-up even after the closing of our purchase. In summary, I highly recommend Antoine Geha and the Xperto mortgage firm.
Frequently Asked Questions About National Bank Mortgages
Yes. You generally need to provide: tax returns, proof of sound financial management, and a minimum 10% down payment. Xperto helps you prepare a strong application.
It is a mortgage line of credit linked to your loan. It allows you to access your home equity as you make payments. All in one integrated product.
National Bank allows you to repay up to 10% of the principal each year without penalty, and you can also increase the frequency of your payments.
Yes. The insurance covers: death, disability, critical illness, and job loss. It helps protect your loved ones and your home if an unexpected event occurs.
The prime rate is the basis for calculating your variable rate. For example, “prime – 0.5%.” It is updated according to monetary policies.
It depends on the type of loan. For fixed rates, the interest rate differential method applies. Xperto can estimate the actual cost of an early termination for you.
Yes, but going through Xperto allows you to compare multiple banks and receive neutral support, free from commercial influence.