Lenders
First National
First National is recorded in this encyclopedia as a monoline operating across Canada, exclusively through mortgage brokers, and it lends only through mortgage brokers, so a borrower reaches it through a broker rather than at a branch or a website application.
| Type | monoline |
|---|---|
| Operates | Across Canada, exclusively through mortgage brokers |
| Head office province | Ontario |
| Website | https://www.firstnational.ca |
| Publishes rates | Yes. Its published rates are in the mortgage rates section. |
| Channel | broker |
Published rates held for this lender
59 published rate rows in this capture were printed under this lender's own name, drawn from its own rate sheet and from the mortgage sweep. They are the same rows that appear in the mortgage rates record, gathered here so the lender's prices can be read beside its record.
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Mortgage | 1 Year fixed (Excalibur, 580-599) | 5.79% | Excalibur Mortgage Rates; credit band 580-599 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 Year fixed (Excalibur, 600-649) | 5.54% | Excalibur Mortgage Rates; credit band 600-649 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 Year fixed (Excalibur, 650-679) | 5.29% | Excalibur Mortgage Rates; credit band 650-679 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 Year fixed (Excalibur, 680+) | 5.14% | Excalibur Mortgage Rates; credit band 680+ | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 Year fixed (Excalibur, < 580) | 6.04% | Excalibur Mortgage Rates; credit band < 580 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 year fixed (Conventional) | 5.74 | Posted Rates; Fixed rate mortgages - closed terms; Conventional | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 year fixed (Insurable > 65% - 70% LTV) | 5.74 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 65% - 70% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 year fixed (Insurable > 70% - 75% LTV) | 5.74 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 70% - 75% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 year fixed (Insurable > 75% - 80% LTV) | 5.74 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 75% - 80% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 year fixed (Insurable up to 65% LTV) | 5.74 | Posted Rates; Fixed rate mortgages - closed terms; Insurable up to 65% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 1 year fixed (Insured) | 5.74 | Posted Rates; Fixed rate mortgages - closed terms; Insured | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 10 year fixed (Conventional) | 5.65 | Posted Rates; Fixed rate mortgages - closed terms; Conventional | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 10 year fixed (Insured) | 5.65 | Posted Rates; Fixed rate mortgages - closed terms; Insured | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 Year fixed (Excalibur, 580-599) | 6.14% | Excalibur Mortgage Rates; credit band 580-599 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 Year fixed (Excalibur, 600-649) | 5.89% | Excalibur Mortgage Rates; credit band 600-649 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 Year fixed (Excalibur, 650-679) | 5.64% | Excalibur Mortgage Rates; credit band 650-679 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 Year fixed (Excalibur, 680+) | 5.39% | Excalibur Mortgage Rates; credit band 680+ | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 Year fixed (Excalibur, < 580) | 6.29% | Excalibur Mortgage Rates; credit band < 580 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 year fixed (Conventional) | 5.34 | Posted Rates; Fixed rate mortgages - closed terms; Conventional | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 year fixed (Insurable > 65% - 70% LTV) | 5.34 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 65% - 70% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 year fixed (Insurable > 70% - 75% LTV) | 5.34 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 70% - 75% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 year fixed (Insurable > 75% - 80% LTV) | 5.34 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 75% - 80% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 year fixed (Insurable up to 65% LTV) | 5.34 | Posted Rates; Fixed rate mortgages - closed terms; Insurable up to 65% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 2 year fixed (Insured) | 5.34 | Posted Rates; Fixed rate mortgages - closed terms; Insured | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 Year fixed (Excalibur, 580-599) | 6.24% | Excalibur Mortgage Rates; credit band 580-599 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 Year fixed (Excalibur, 600-649) | 5.99% | Excalibur Mortgage Rates; credit band 600-649 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 Year fixed (Excalibur, 650-679) | 5.74% | Excalibur Mortgage Rates; credit band 650-679 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 Year fixed (Excalibur, 680+) | 5.49% | Excalibur Mortgage Rates; credit band 680+ | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 Year fixed (Excalibur, < 580) | 6.49% | Excalibur Mortgage Rates; credit band < 580 | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 year fixed (Conventional) | 5.21 | Posted Rates; Fixed rate mortgages - closed terms; Conventional | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 year fixed (Insurable > 65% - 70% LTV) | 5.21 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 65% - 70% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 year fixed (Insurable > 70% - 75% LTV) | 5.21 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 70% - 75% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 year fixed (Insurable > 75% - 80% LTV) | 5.21 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 75% - 80% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 year fixed (Insurable up to 65% LTV) | 5.21 | Posted Rates; Fixed rate mortgages - closed terms; Insurable up to 65% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3 year fixed (Insured) | 5.21 | Posted Rates; Fixed rate mortgages - closed terms; Insured | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 3-year fixed (insured) | 5.49% | fixed rate via a monoline channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 4 year fixed (Conventional) | 5.12 | Posted Rates; Fixed rate mortgages - closed terms; Conventional | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 4 year fixed (Insurable > 65% - 70% LTV) | 5.12 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 65% - 70% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 4 year fixed (Insurable > 70% - 75% LTV) | 5.12 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 70% - 75% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 4 year fixed (Insurable > 75% - 80% LTV) | 5.12 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 75% - 80% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 4 year fixed (Insurable up to 65% LTV) | 5.12 | Posted Rates; Fixed rate mortgages - closed terms; Insurable up to 65% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 4 year fixed (Insured) | 5.12 | Posted Rates; Fixed rate mortgages - closed terms; Insured | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year adjustable (Conventional) | Prime - 0.31% | Adjustable rate mortgages; for the entire term; First National Prime Rate: 4.70; Conventional | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year adjustable (Insurable > 65% - 70% LTV) | Prime - 0.50% | Adjustable rate mortgages; for the entire term; First National Prime Rate: 4.70; Insurable > 65% - 70% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year adjustable (Insurable > 70% - 75% LTV) | Prime - 0.45% | Adjustable rate mortgages; for the entire term; First National Prime Rate: 4.70; Insurable > 70% - 75% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year adjustable (Insurable > 75% - 80% LTV) | Prime - 0.41% | Adjustable rate mortgages; for the entire term; First National Prime Rate: 4.70; Insurable > 75% - 80% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year adjustable (Insurable up to 65% LTV) | Prime - 0.70% | Adjustable rate mortgages; for the entire term; First National Prime Rate: 4.70; Insurable up to 65% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year adjustable (Insured) | Prime - 0.75% | Adjustable rate mortgages; for the entire term; First National Prime Rate: 4.70; Insured | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year fixed (Conventional) | 5.15 | Posted Rates; Fixed rate mortgages - closed terms; Conventional | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year fixed (Insurable > 65% - 70% LTV) | 4.99 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 65% - 70% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year fixed (Insurable > 70% - 75% LTV) | 5.04 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 70% - 75% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year fixed (Insurable > 75% - 80% LTV) | 5.09 | Posted Rates; Fixed rate mortgages - closed terms; Insurable > 75% - 80% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year fixed (Insurable up to 65% LTV) | 4.89 | Posted Rates; Fixed rate mortgages - closed terms; Insurable up to 65% LTV | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5 year fixed (Insured) | 4.84 | Posted Rates; Fixed rate mortgages - closed terms; Insured | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 5-year fixed (insured) | 4.99% | fixed rate via a monoline channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 6 month fixed term (open) | 10.20 | Open term mortgage | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 7 year fixed (Conventional) | 5.33 | Posted Rates; Fixed rate mortgages - closed terms; Conventional | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | 7 year fixed (Insured) | 5.33 | Posted Rates; Fixed rate mortgages - closed terms; Insured | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
| Mortgage | First National Prime Rate | 4.70 | First National Prime Rate | Mortgage rates | Rates effective as of Monday, November 9, 2026 for qualified residential properties. |
Products as recorded
- Fixed rate mortgages - closed terms
- Adjustable rate mortgages
- Open term mortgage
- Excalibur Mortgage
Completed a $2.9-billion privatization on October 22, 2025, per Wikipedia; described on its own site as one of Canada's largest non-bank lenders with $150+ billion of mortgages under administration
The lender's own website.
Sources for this record
- https://www.firstnational.ca/mortgage-brokers/mortgage-rates
- https://www.firstnational.ca/about/our-business
- https://www.firstnational.ca/residential/about/first-national-difference
- https://en.wikipedia.org/wiki/First_National_Financial_Corporation
Encyclopedia captured 2026-11-14.