About First National Financial
First National Financial LP, founded in 1988 by Stephen Smith and Moray Tawse, is Canada's largest non-bank mortgage lender, originating and servicing residential and commercial mortgages with over $150 billion under administration. Formerly TSX-listed (First National Financial Corporation), it was taken private in October 2025 by Birch Hill Equity Partners and Brookfield, with founders Smith and Tawse each retaining about 19%. It lends through the mortgage broker channel and does not take retail deposits.
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Access: No consumer deposit products — mortgages via mortgage brokers
Eligible provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon
How to join: Obtain a mortgage through a mortgage broker who deals with First National.
Deposit protection: not on file yet — see our deposit insurance guide and confirm coverage with First National Financial.
Current top rates
rates confirmed as of 2026-10-15Rate history builds here as we track this institution's rates over time.
Mortgage rates
rates confirmed as of 2026-10-15Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Open | No | 9.95% |
| 1-year | Fixed | Closed | No | 5.90% |
| 2-year | Fixed | Closed | No | 5.59% |
| 3-year | Fixed | Closed | No | 5.49% |
| 4-year | Fixed | Closed | No | 5.44% |
| 5-year | Fixed | Closed | No | 5.44% |
| 7-year | Fixed | Closed | No | 5.61% |
| 10-year | Fixed | Closed | No | 5.91% |
| 5-year | Variable | Closed | No | 4.04%Prime − 0.41% |
| 1-year | Fixed | Closed | Yes | 5.90% |
| 2-year | Fixed | Closed | Yes | 5.59% |
| 3-year | Fixed | Closed | Yes | 5.49% |
| 4-year | Fixed | Closed | Yes | 5.44% |
| 5-year | Fixed | Closed | Yes | 4.99% |
| 7-year | Fixed | Closed | Yes | 5.61% |
| 10-year | Fixed | Closed | Yes | 5.91% |
| 5-year | Variable | Closed | Yes | 3.70%Prime − 0.75% |
| Insurable > 75% - 80% LTV Fixed Closed Mortgageclosed · insured (high-ratio) · 1-year to 5-year terms | ||||
| 1-year | Fixed | Closed | Yes | 5.90% |
| 1-year | Fixed | Closed | Yes | 5.90% |
| 1-year | Fixed | Closed | Yes | 5.90% |
| 1-year | Fixed | Closed | Yes | 5.90% |
| 2-year | Fixed | Closed | Yes | 5.59% |
| 2-year | Fixed | Closed | Yes | 5.59% |
| 2-year | Fixed | Closed | Yes | 5.59% |
| 2-year | Fixed | Closed | Yes | 5.59% |
| 3-year | Fixed | Closed | Yes | 5.49% |
| 3-year | Fixed | Closed | Yes | 5.49% |
| 3-year | Fixed | Closed | Yes | 5.49% |
| 3-year | Fixed | Closed | Yes | 5.49% |
| 4-year | Fixed | Closed | Yes | 5.44% |
| 4-year | Fixed | Closed | Yes | 5.44% |
| 4-year | Fixed | Closed | Yes | 5.44% |
| 4-year | Fixed | Closed | Yes | 5.44% |
| 5-year | Fixed | Closed | Yes | 5.04% |
| 5-year | Fixed | Closed | Yes | 5.09% |
| 5-year | Fixed | Closed | Yes | 5.14% |
| 5-year | Fixed | Closed | Yes | 5.19% |
| 5-year | Variable | Closed | Yes | 3.75%Prime − 0.70% |
| 5-year | Variable | Closed | Yes | 3.95%Prime − 0.50% |
| 5-year | Variable | Closed | Yes | 4.00%Prime − 0.45% |
| 5-year | Variable | Closed | Yes | 4.04%Prime − 0.41% |
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