KEEPING YOU INFORMED: COVID-19 information for residential customers & commercial borrowers

Our residential call centre is experiencing higher than normal wait times.

If you are a residential customer experiencing financial hardship due to COVID-19 and need to request a mortgage payment assistance, please submit a payment assistance request through My Mortgage.

If you are a commercial borrower experiencing financial hardship due to COVID-19, please email our Payments team at

Be assured that we are committed to getting back to all of you who have contacted us.

Your patience is appreciated, and we thank you for your understanding.



Alternative mortgage options

Provide options to borrowers who fall outside of traditional credit requirements

At First National, we believe that every person should have the opportunity to access a mortgage and own a home, even if they fall outside of traditional credit requirements.

Alternative lending (Excalibur) offers a mortgage option for those people*. They get the chance to tell their stories, which provides the context for our underwriting specialists’ mortgage decisions.

  • Self-employed: a growing segment of the population with small business on the rise.
  • Rehabilitating credit: factors beyond people’s control (death in the family, divorce, children’s tuition) can affect their credit.

In our efforts to continuously go beyond service for you, so you can go beyond service for your clients, we have added Excalibur to our mortgage menu. When you have a potential Excalibur opportunity, you engage your Account Manager who will then engage one of our Excalibur underwriters to work collaboratively with you and your client to uncover his/her story.

At First National, we believe that every person should have the opportunity to access a mortgage and own a home. Excalibur helps you make that a reality for more of your clients.

To learn more about Excalibur or to initiate an opportunity, contact your Account Manager.

*Only available in Ontario

Lending Areas

Find out if your potential Excalibur opportunity is in one of our lending areas.

View the full list

Do you have questions about Excalibur?

Contact Elena Robinson, our resident Excalibur specialist.

Contact your Account Manager

Recent closings

Title transfer for self-employed client

Jun 18, 2019, 11:29 AM
  • Refinance title transfer of owner occupied home to remove ex-spouse
  • LTV 56%, beacon score of 529
  • Income confirmed with valid business license, signed contract and six months business bank account statements
  • Paid off current FI 1st mortgage and all debts
  • Savings of $500/month for the client
Term / Rate :

Mortgage Solutions

The more options that you have, the more borrowers you can service. Get familiar with our portfolio of mortgage solutions tailored to the needs of today’s changing borrowers.