Mortgage lender · Canada-wide
First National Financial mortgage rates
Short answer
First National Financial published a posted 5-year fixed rate of 4.84% when we read its website on Nov 13, 2026. The lowest comparable rate we collected anywhere was 4.59% at ATB Financial. First National Financial's prime rate is 4.70%. Below: every closed rate it publishes, with its source page, what each costs on $500,000, and its prepayment terms.
What are First National Financial's mortgage rates by term?
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 1-year | — | 5.14% | — | — | $2,948.00 |
| 2-year | — | 5.34% | — | — | $3,005.55 |
| 3-year | — | 5.21% | — | — | $2,968.09 |
| 4-year | — | 5.12% | — | — | $2,942.28 |
| 5-year | — | 4.84% | — | — | $2,862.65 |
| 7-year | — | 5.33% | — | — | $3,002.66 |
| 10-year | — | 5.65% | — | — | $3,095.76 |
What does First National Financial's 5-year rate cost on $500,000?
| First National Financial 5-yr | 4.84%read Nov 13, 2026 |
|---|---|
| Lowest collected (ATB Financial) | 4.59% |
| Mortgage | $500,000, 25 years, 5-year term |
| Monthly payment, lower → higher rate | $2,792.44 → $2,862.65 |
| Interest difference over 5 years | $5,996 |
Open this example in the calculator →Computed Nov 13, 2026.
Which First National Financial rates did we collect, and from which page?
| Term | Type | Insured | Kind | Rate | Fine print (the lender's words) | Source |
|---|---|---|---|---|---|---|
| 1-year | Fixed | Not split | posted | 5.14% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 1-year | Fixed | Not split | posted | 5.29% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 1-year | Fixed | Not split | posted | 5.54% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 1-year | Fixed | Insured | posted | 5.74% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 1-year | Fixed | Insurable | posted | 5.74% | Insurable up to 65% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties. R… | page as of Nov 9, 2026 |
| 1-year | Fixed | Insurable | posted | 5.74% | Insurable > 65% - 70% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| 1-year | Fixed | Insurable | posted | 5.74% | Insurable > 70% - 75% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| 1-year | Fixed | Insurable | posted | 5.74% | Insurable > 75% - 80% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| 1-year | Fixed | Uninsured | posted | 5.74% | Conventional Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 1-year | Fixed | Not split | posted | 5.79% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 1-year | Fixed | Not split | posted | 6.04% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 2-year | Fixed | Insured | posted | 5.34% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 2-year | Fixed | Insurable | posted | 5.34% | Insurable up to 65% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties. R… | page as of Nov 9, 2026 |
| 2-year | Fixed | Insurable | posted | 5.34% | Insurable > 65% - 70% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| 2-year | Fixed | Insurable | posted | 5.34% | Insurable > 70% - 75% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| 2-year | Fixed | Insurable | posted | 5.34% | Insurable > 75% - 80% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| 2-year | Fixed | Uninsured | posted | 5.34% | Conventional Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 2-year | Fixed | Not split | posted | 5.39% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 2-year | Fixed | Not split | posted | 5.64% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 2-year | Fixed | Not split | posted | 5.89% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 2-year | Fixed | Not split | posted | 6.14% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 2-year | Fixed | Not split | posted | 6.29% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 3-year | Fixed | Insured | posted | 5.21% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 3-year | Fixed | Insurable | posted | 5.21% | Insurable up to 65% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties. R… | page as of Nov 9, 2026 |
| 3-year | Fixed | Insurable | posted | 5.21% | Insurable > 65% - 70% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| 3-year | Fixed | Insurable | posted | 5.21% | Insurable > 70% - 75% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| 3-year | Fixed | Insurable | posted | 5.21% | Insurable > 75% - 80% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| 3-year | Fixed | Uninsured | posted | 5.21% | Conventional Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 3-year | Fixed | Not split | posted | 5.49% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 3-year | Fixed | Not split | posted | 5.74% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 3-year | Fixed | Not split | posted | 5.99% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 3-year | Fixed | Not split | posted | 6.24% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 3-year | Fixed | Not split | posted | 6.49% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 4-year | Fixed | Insured | posted | 5.12% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 4-year | Fixed | Insurable | posted | 5.12% | Insurable up to 65% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties. R… | page as of Nov 9, 2026 |
| 4-year | Fixed | Insurable | posted | 5.12% | Insurable > 65% - 70% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| 4-year | Fixed | Insurable | posted | 5.12% | Insurable > 70% - 75% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| 4-year | Fixed | Insurable | posted | 5.12% | Insurable > 75% - 80% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| 4-year | Fixed | Uninsured | posted | 5.12% | Conventional Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 5-year | Adjustable | Insured | posted | 3.95%* prime − 0.75 | . Only the spread is shown (no resulting %), so rate null; page states Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates ar… | page as of Nov 9, 2026 |
| 5-year | Adjustable | Insurable | posted | 4.00%* prime − 0.70 | Insurable up to 65% LTV First National Prime Rate: 4.70 Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-fa… | page as of Nov 9, 2026 |
| 5-year | Adjustable | Insurable | posted | 4.20%* prime − 0.50 | Insurable > 65% - 70% LTV First National Prime Rate: 4.70 Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-… | page as of Nov 9, 2026 |
| 5-year | Adjustable | Insurable | posted | 4.25%* prime − 0.45 | Insurable > 70% - 75% LTV First National Prime Rate: 4.70 Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-… | page as of Nov 9, 2026 |
| 5-year | Adjustable | Insurable | posted | 4.29%* prime − 0.41 | Insurable > 75% - 80% LTV First National Prime Rate: 4.70 Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-… | page as of Nov 9, 2026 |
| 5-year | Adjustable | Uninsured | posted | 4.39%* prime − 0.31 | Conventional First National Prime Rate: 4.70 Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family reside… | page as of Nov 9, 2026 |
| 5-year | Fixed | Insured | posted | 4.84% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 5-year | Fixed | Insurable | posted | 4.89% | Insurable up to 65% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties. R… | page as of Nov 9, 2026 |
| 5-year | Fixed | Insurable | posted | 4.99% | Insurable > 65% - 70% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| 5-year | Fixed | Insurable | posted | 5.04% | Insurable > 70% - 75% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| 5-year | Fixed | Insurable | posted | 5.09% | Insurable > 75% - 80% LTV s Insurable LTV tier (lender-insured, borrower 20%+ down). Section Rates effective as of Monday, November 9, 2026 for qualified residential properties.… | page as of Nov 9, 2026 |
| 5-year | Fixed | Uninsured | posted | 5.15% | Conventional Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 7-year | Fixed | Insured | posted | 5.33% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 7-year | Fixed | Uninsured | posted | 5.33% | Conventional Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 10-year | Fixed | Insured | posted | 5.65% | Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 2026 |
| 10-year | Fixed | Uninsured | posted | 5.65% | Conventional Posted Rates Rates effective as of Monday, November 9, 2026 for qualified residential properties. Rates are for single-family residential mortgages. | page as of Nov 9, 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 13, 2026; check the lender's page before relying on any rate.
How does First National Financial charge to break a mortgage early?
Prepayment and penalties
“Three months' interest = amount × (current rate ÷ 4); the IRD estimate is (amount × (current rate − the current rate for a similar mortgage) × months remaining) ÷ 12. For terms longer than 5 years, after the 5th year the charge is 3 months' interest.” Source
Check a First National Financial posted-rate IRD · full penalty calculator on BankMortgages.ca
About this lender
Mortgage lender lending across Canada. Prime rate 4.70% as stated on its site (as of Nov 9, 2026).
MortgageRateToday.ca isn't affiliated with First National Financial and isn't paid by any lender.
Frequently asked questions
What is First National Financial's 5-year fixed mortgage rate?
On Nov 13, 2026, First National Financial's own website showed a posted 5-year fixed rate of 4.84%. Rates change often; check the lender's page.
What is First National Financial's variable mortgage rate?
The lowest closed variable rate on its page was 3.95%* (prime − 0.75) for a 5-year term, with First National Financial's prime at 4.70%.
How does First National Financial calculate its prepayment penalty?
Three months' interest = amount × (current rate ÷ 4); the IRD estimate is (amount × (current rate − the current rate for a similar mortgage) × months remaining) ÷ 12. For terms longer than 5 years, after the 5th year the charge is 3 months' interest. (from First National Financial's website). Use our penalty calculator to estimate it.
Primary sources
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