First National

First National Mortgage Rates

Compare current First National mortgage rates in Canada

Canada's largest non-bank mortgage lender, exclusively through brokers.

Best First National Rates

Lowest rates by product type

5-Year Fixed

Insured

4.74%

Insured

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5-Year Fixed

Uninsured

4.89%

Uninsured

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5-Year Variable

Insured

3.95%

Insured

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5-Year Variable

Uninsured

4.15%

Uninsured

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Rate Overview

Best rate for each term and product type

Best Not offered

Term	Fixed Insured	Fixed Uninsured	Variable Insured	Variable Uninsured
1 year	—	5.69%Apply	—	—
2 years	—	5.44%Apply	—	—
3 years	—	4.84%Apply	—	4.35%Apply
4 years	—	4.99%Apply	—	—
5 years	4.74%Apply	4.89%Apply	3.95%Apply	4.15%Apply

4.74%

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Uninsured

4.89%

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Variable Rate Mortgages

Rates change with the prime rate

3 years

1 option

Best Rate

Uninsured

4.35%

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5 years

2 options

Best Rate

Insured

3.95%

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Uninsured

4.15%

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About First National

First National Financial is Canada's largest non-bank mortgage lender, funding billions in residential mortgages annually exclusively through the mortgage broker channel. First National offers some of the most competitive fixed and variable mortgage rates in Canada, with flexible prepayment options and exceptional customer service. Their My Mortgage online portal lets borrowers manage payments, view statements, and access mortgage details 24/7. First National is also a leader in commercial mortgages and multi-unit residential financing. For borrowers working with a mortgage broker, First National consistently delivers low rates, fast approvals, and industry-leading technology.