National Bank mortgage rates in Calgary
National Bank's lowest 5-year fixed rate on its own site was 4.69% when we read it on Nov 2, 2026. Its posted 5-year rate was 6.14%. The lowest comparable rate from any lender that lends in Alberta was 4.34% (ATB Financial). National Bank publishes the same rates across Canada.
| Term | Lowest special / advertised | Posted | Monthly at special | Monthly at posted |
|---|---|---|---|---|
| 6-month | — | 6.09% | — | $3,709.70 |
| 1-year | 5.49% | 5.49% | $3,506.40 | $3,506.40 |
| 2-year | 5.04% | 5.24% | $3,357.33 | $3,423.22 |
| 3-year | 5.04% | 6.09% | $3,357.33 | $3,709.70 |
| 4-year | 5.09% | 6.05% | $3,373.75 | $3,695.99 |
| 5-year | 4.69% | 6.14% | $3,243.49 | $3,726.87 |
| 6-year | — | 6.40% | — | $3,816.70 |
| 7-year | 5.34% | 6.40% | $3,456.38 | $3,816.70 |
| 10-year | — | 6.80% | — | $3,956.64 |
Every National Bank rate we collected
| Term | Type | Insured | Kind | Rate | Fine print | Source |
|---|---|---|---|---|---|---|
| 6-month | Fixed | Not split | posted | 6.09% APR 6.31% | page as of Nov 2, 2026 | |
| 1-year | Fixed | Not split | special | 5.49% APR 5.61% | Promotional rate. | page as of Nov 2, 2026 |
| 1-year | Fixed | Not split | posted | 5.49% APR 5.61% | page as of Nov 2, 2026 | |
| 2-year | Fixed | Not split | special | 5.04% APR 5.09% | Promotional rate. | page as of Nov 2, 2026 |
| 2-year | Fixed | Not split | posted | 5.24% APR 5.31% | page as of Nov 2, 2026 | |
| 3-year | Fixed | Not split | special | 5.04% APR 4.99% | Promotional rate. The page shows an APR below the rate; recorded as displayed. | page as of Nov 2, 2026 |
| 3-year | Fixed | Not split | posted | 6.09% APR 6.10% | page as of Nov 2, 2026 | |
| 4-year | Fixed | Not split | special | 5.09% APR 5.08% | Promotional rate. The page shows an APR below the rate; recorded as displayed. | page as of Nov 2, 2026 |
| 4-year | Fixed | Not split | posted | 6.05% APR 6.09% | page as of Nov 2, 2026 | |
| 5-year | Variable | Not split | special | 4.35% prime − 0.35 APR 4.39% | Promotional rate. | page as of Nov 2, 2026 |
| 5-year | Fixed | Insured | special | 4.69% APR 4.73% | Promotion: 5 year fixed high ratio. | page as of Nov 2, 2026 |
| 5-year | Variable | Not split | posted | 4.70% prime + 0.00 APR 4.74% | Variable-rate mortgage, 60-month term: prime + 0.00%. | page as of Nov 2, 2026 |
| 5-year | Fixed | Not split | special | 5.14% APR 5.18% | Promotional rate. | page as of Nov 2, 2026 |
| 5-year | Fixed | Not split | posted | 6.14% APR 6.18% | page as of Nov 2, 2026 | |
| 6-year | Fixed | Not split | posted | 6.40% APR 6.44% | page as of Nov 2, 2026 | |
| 7-year | Fixed | Not split | special | 5.34% APR 5.37% | Promotional rate. | page as of Nov 2, 2026 |
| 7-year | Fixed | Not split | posted | 6.40% APR 6.43% | page as of Nov 2, 2026 | |
| 10-year | Fixed | Not split | posted | 6.80% APR 6.83% | page as of Nov 2, 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 2, 2026; check the lender's page before relying on any rate.
Prepayment and penalties
We didn't find National Bank's penalty method on the pages we read; it's in your mortgage contract.
In Alberta
National Bank lends across Canada.
Prime rate 4.70% as stated on its site (as of Nov 2, 2026).
National Bank publishes promotional and posted rates ("Rate (%) as at 11-02-2026"). Two promotional APRs on its page are lower than the rates; recorded as displayed.
CalgaryMortgageRates.com isn't affiliated with National Bank and isn't paid by any lender.
| Home | $718,500City of Calgary median detached assessment |
|---|---|
| Mortgage | $575,00020% down |
| National Bank 5-yr fixed | 4.69% |
| Monthly payment | $3,243.49 |
| At the lowest Alberta rate (ATB Financial) | $3,131.52 |
| Interest over 5 years | $126,013 |
Frequently asked questions
What is National Bank's 5-year mortgage rate in Calgary?
On Nov 2, 2026 National Bank's own site showed 4.69% for a 5-year fixed (insured) and a posted 5-year rate of 6.14%. It publishes the same rates across Canada.
What is National Bank's variable rate?
4.35% (prime − 0.35) for a 5-year term, with National Bank's prime at 4.70%.