Mortgages

Play a role in your client’s homebuying projects

Refer a client

At a glance

Buying a home is an essential step in your client’s life, and we know it. Our expert advice can make their journey effortless by offering mortgage solutions1-2-3 that stand out from the competition. 

Ideal for clients who’d like to:

  • purchase a new home or secondary residence
  • renew their mortgage 
  • refinance to renovate a current property
  • invest in real estate 

Go beyond your clients’ needs

Flexible and advantageous rates3-4

With the attractive interest rates offered by Advisor Banking Services, your clients will be able to repay their mortgage faster and save on interest. We also offer the option to convert a variable rate mortgage into a fixed rate loan for a term equal to or longer than the term of the loan or to benefit from a conversion option to reduce the interest rate. a term mortgage.

Easier budget management

Fixed payments allow your clients to easily manage their budgets. With access to their mortgage information online, they can make additional payments or increase their payment frequency if they have the opportunity to do so. 

Mortgage loan insurance5

We can provide mortgage loan insurance to give your clients the peace of mind of knowing that they are protected from the less fortunate circumstances in life. Your clients will be covered in the event of disability, critical illness  and death.

How to choose the best rate?

What would be the best mortgage rate for your client? Talk about their loan and rate options and be assured that we will provide them with a solution that best fits their needs. 

  Rate options
  Fixed Variable Made-to-measure
What is it?

The interest rate remains the same for the entire term.

The interest rate increases or decreases based on market fluctuations.

The loan includes more than one type of product: fixed and variable.

It is possible to add a Home Equity line of credit if needed.

What you can provide for your clients:

The security of equal mortgage payments.

Interest savings when rates go down.

Stable payments and the possibility to take advantage of interest rate drops.

Rates

See all rates

See the fixed rates in effect according to the different terms.

Benefit from a capped rate that protects against rate increases.

Consider adding a Home Equity line of credit.

Terms and duration

Open (6 months or 1 year)

  • No penalty if the loan is repaid in one shot.
  • Ideal if your client wants to sell their house in the near future.

Closed (3 months to 10 years)

  • Prepayment charge if repaid before maturity3.
  • The rate is lower than an open loan.

Closed (5 years)

  • 5-year commitment.
  • Prepayment charge if repaid before maturity3.
  • More advantageous rate than an open term.

Fixed-rate portion: open (6 months or 1 year) or closed (3 months to 10 years).

Variable-rate portion: closed (5 years).

Repayment

Fixed throughout the term.

Monthly, bimonthly, or weekly.

Possibility to speed up mortgage repayment without penalties.

Monthly, bimonthly, or weekly.

Possibility to speed up mortgage repayment without penalties. Monthly, bimonthly, or weekly.

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Tip!

Find out about our featured mortgage solution.

Explore the benefits of the All-In-OneTM-1 line of credit and leverage your client’s home equity to finance their most cherished projects.  

Discover the All-In-One line of credit

Legal disclaimers

This content is for investment advisors only. For customer content, please visit nbc.ca

TM All-In-One is a trademark of National Bank of Canada. 

  1. Subject to credit approval by National Bank of Canada. 
  2.  Subject to not exceeding the maximum line of credit amount available, i.e., 65% of the value of the property
  3. The minimum down payment is 5% if the mortgage is insured by Genworth Financial Canada or the Canada Mortgage and Housing Corporation. Some restrictions may apply.  
  4. Rates may differ if the amortization period is more than 25 years. For more information, please contact an advisor. 
  5. Certain conditions apply. 

 

You’ve established your clients' needs?

Refer them to us and we’ll pick up where you left off.

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