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First National Mortgage Rates

Below you'll find the best mortgage rates from First National. Be sure to compare rates between lenders to get the best product for you.

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Compare First National Mortgage Rates

Rates updated:

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Provider5 Year fixed5 Year variable3 Year fixed



Prime -1.25%




Prime -0.61%




Prime -0.59%




Prime -0.55%




Prime -0.60%


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First National: Frequently asked questions

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First National mortgage rates overview

First National is a major mortgage broker based in Toronto, with a focus on residential mortgages. As of the end of 2022, First National has over $129 billion in mortgages under administration. This includes over 300,000 residential borrowers, and over 5,000 commercial borrowers. Unlike most other lenders, First National does not accept mortgage applications directly. Instead, it relies on its network of mortgage brokers across Canada.

How do First National mortgage rates compare with other lenders?

As one of the country's bigger mortgage lenders, First National is certainly competitive with Canada's other large lenders. If you are keen to get the best mortgage rate possible (which you should be) you should consider comparing rates from multiple lenders, not just from First National. We make this simple by comparing mortgages rates from the big banks, credit unions and smaller lenders across the country, all in one place, and at no cost to you.

First National mortgage products (residential)

First National has a relatively simple product lineup. As it relies on mortgage brokers rather than retail marketing to attract borrowers, it doesn't offer as many bells and whistles. It does offer both fixed and variable rates for various term lengths, as well as some flexible pre-payment options on fixed-rate mortgages. Your mortgage broker will be able to walk you through the full range of mortgage products offered by First National in Canada.

Accessing First National mortgage rates

Unlike many mortgage providers, First National does not take direct applications for residential mortgages. Instead, they rely on their network of mortgage brokers across Canada. If you are interested in one of the mortgages above, speak to an independent mortgage broker near you. Your broker can also give you independent, personalized advice on your new mortgage. As well, brokers can help you find better rates than you might have been able to find on your own, and their services come at no cost to you. 

More about First National

First National Financial LP is a major private lending company based out of Toronto, Ontario, owned and operated by the parent company First National Financial Corporation. The company has over 1,600 employees. First National is headquartered in Toronto, but it has several offices across Canada, including in Montreal, Halifax, Vancouver and Calgary.

Jamie David, Director of Marketing and Head of Mortgages

Jamie has 15+ years of business and marketing experience. She contributes her mortgage expertise to The Globe and Mail and authors Ratehub’s mortgage and homebuying guides. read full bio


Whether you need a mortgage, credit card, savings account, or insurance coverage, we help you find and compare the best financial products for your specific needs.

When it comes to mortgages, is more than just a place to research and compare the best rates. Our goal is to give Canadians the best mortgage experience from online search to close. This means offering Canadians the mortgage tools, information and articles to educate themselves, allowing them to get personalized rate quotes from multiple lenders to compare rates instantly, and providing them with the best online application and offline customer service to close their mortgage all in one place. has been named Canada's Mortgage Brokerage of the Year for four years straight (2018-2021). With over 12 years of mortgage experience, and over $11 billion in mortgages funded, we deliver you the best mortgage experience in Canada. 

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How are CanWise Financial and connected?

We own and operate a mortgage brokerage, (formerly known as CanWise Financial), and are compensated for mortgages funded through our brokerage. Ratehub Inc. o/a & CanWise is a licensed mortgage brokerage and CMHC-approved lender. When comparing mortgage rates on, you’ll see rates from a number of lenders, including CanWise. All products are sorted according to the rates available to you and the selection criteria you’ve shared with us. Both and CanWise are owned and operated by Ratehub Inc.

We’re proud of our mortgage brokerage, which offers our users great rates, trusted advice and an award-winning team of mortgage experts. Read any of our 6,700 five-star Google and Facebook reviews and you’ll see what we mean.

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