FOR CUSTOMERS

Welcome to First National. You’re in good hands.

You did it! You have your home and your mortgage. And you have a partner in us to help you make sense of everything that comes next. We make it easy to manage your mortgage with simple online tools, real people to talk to when you need them and the flexibility to adapt as your life evolves.

WELCOME TO FIRST NATIONAL

Your First National Welcome Package

Shortly after your mortgage closes, you’ll receive a Welcome Package.

Your Welcome Package is a great resource that includes vital mortgage details and an overview of value-added features you can use throughout your term.

If you have any questions, contact us at through your My Mortgage® account or give us a call at 1-888-488-0794.

Welcome to First National

This video walks you through everything to do with your mortgage and how to use your Welcome Package as a go-to resource for managing your mortgage.

Value built into every mortgage

The features that come with your First National mortgage are designed to help you get ahead, save time, and simplify homeownership.

Prepayment privileges

Become mortgage-free faster and save on interest costs. Make a 15% lump sum payment, double up, accelerate payments or increase your payment by 15% (fixed rate mortgages only).

Learn more about prepayment options

Property tax account

Let First National manage your property tax payments on your behalf – free of charge. We collect a portion of your estimated taxes with each payment and pay your municipality directly.

Learn how property tax payments work

Home Warranty

Every new First National mortgage comes with a free year of Echelon Home Warranty, compliments of First National. The program covers up to $10,000 in eligible home repair costs annually (not available in B.C. or Quebec).

Find out how the program works

Online renewals

When it’s time to renew, we make it simple. Your mortgage specialist walks you through your options, and when you’re ready, you can renew online through My Mortgage® in three easy steps.

See how easy it is to renew

Welcome to First National, we thought you might have some questions.

If you’re new to mortgages or First National, it’s natural to have a lot of questions. Here are the ones we hear most from new clients, answered simply and clearly.

How can I pay down my mortgage faster?

We offer several prepayment options to help you pay down faster your mortgage sooner and save on interest costs. You can choose: 15% payment increase (fixed rate mortgages only), 15% lump sum payment, double up payments or accelerated payments. The letter in your Welcome Package and your Annual Statements outline the amount you can prepay without penalty. My Mortgage^® also offers a Scenario Builder, which helps you estimate how prepayments can affect your interest costs and amortization.

Can I change my payment date or frequency?

Yes. Simply submit a request through your My Mortgage^® account. There is no fee to make the change, but an interest adjustment may apply. If you need help, reach out to a customer service specialist who can guide you through the process.

Can I switch from an adjustable rate to a fixed rate mortgage?

Yes. Log into My Mortgage^® and request a Conversion Agreement. There is no fee involved. Please note that rates on a Conversion Agreement are non-negotiable.

Can I include property taxes with my payments?

Yes. The first step is to determine whether you are responsible for any outstanding tax payments to your municipality. You can check the Realty Tax Form included in your mortgage documents. If you do not have a tax account but would like First National to collect and pay your property taxes on your behalf, you can request to set up a tax account through your My Mortgage^® account – just send us your most recent property tax bill. There is no charge for this service.

Do I have access to mortgage life insurance with my First National mortgage?

You can apply for Credit Security Plan™, an optional Creditor’s group life and disability insurance, underwritten by The Manufacturers Life Insurance Company (Manulife) after your mortgage funds. You can find more information here.

What’s the easiest way to get support?

My Mortgage^® offers easy ways to get in touch with us and complete important mortgage management tasks. Log in to My Mortgage^® and send us a secure message or chat live with a customer service representative. If you prefer to talk to one of our experts, you can call us at 1-888-488-0794 from 8:30am to 8:00pm ET.

Real people. Real mortgages. Real value.

First National keeps everything simple and accessible! As a first-time home buyer, it made things a little easier to be able to understand and work with!

– Jessica G., British Columbia

First National was always my first choice for a mortgage. The customer service is top notch, their portal is user friendly, and rates are amazing. If you choose First National you won’t be sorry! I’m looking forward to partnering with them to make my home ownership a reality.

–Catherine P., Ontario

I strongly encourage people to consider First National by saying that this lender is THERE for YOU. They will make sure to review which options are best for you and your family. They also are available to answer any questions that you need to know especially for first time home buyers!

–Sheila M., Manitoba

First National realizes that its customers are real people and make it easy to structure payments in a way that works for you and your budget. Help is easily accessed if you have any questions, and with the biggest investment of your life, that is extremely important.

– Catherine D., British Columbia

First National was able to provide me the best mortgage rate and customer service at the time of purchasing my home. Since then, I have received the same level of commitment from First National to help me reach my home ownership goals and to help pay down my mortgage. Their online self-serve options are very user friendly and easy to understand. I always know how I'm progressing with my mortgage and know that I have support if I have questions or concerns. I would recommend First National in a heartbeat.

–Colin L., Ontario

First National provided the most competitive rate for our mortgage, has great customer service, and keeps me up to date and informed in an easy-to-understand way. Their website and products are intuitive and I feel secure having my mortgage through First National.

– Meghan W., Ontario

My wife and I work tirelessly to provide for our family. Thanks to First National's competitive interest rates, low penalties, and generous prepayment options, we have been able to save more money for our children's future and our retirement.

– Kyle F., British Columbia

I have always received exceptional service which is why I came back to First National! My representative was very attentive and prompt in their responses to all my many questions. I have always been treated with respect and feel that First National goes above and beyond to create a personalized experience. I have never felt like just a number!

– Laura V., Ontario

We always receive exceptional service when we have questions. There is no delay or waiting. There is always someone happy to answer our questions or concerns. Thank you so much to your incredible team.

– Mylene L., Quebec

I have been with First National for over 10 years and am looking forward to being with them for as long as we have a mortgage. I will definitely be sharing this company with my children, so they can enjoy the same benefits I did. Thank you.

– Beth-Ann W., Ontario

It was a pleasure dealing with First National with no issues as they always put the customer first. They treat you like family and have been very understanding. Always looking out for the best possible solution. Truly the best.

– Shayne M., British Columbia

First National has allowed us to realize our dream to live in an exceptional home in British Columbia. Not only that, but their options to pay down our mortgage faster has offered us the potential to own our home faster than we had originally planned. Now, we can realize important life goals sooner than later. First National has enabled us, through flexible payment options, to make choices to tackle our mortgage head-on so that we can experience our dreams -- all while knowing we have a home and it is ours. Thank you, First National!

– Jason N., British Columbia

Like most Canadians, my husband and I always try to save money and make smart financial decisions. After speaking with a First National representative we were able to save on interest and pay down our mortgage in a timely manner. They not only helped us decrease the length of our mortgage but did it in such a way that made us feel in control. Thank you!

– Josee S., Ontario

Being able to painlessly review paydown scenarios and then actually pay down my mortgage is great. No more setting up an appointment and guessing how different scenarios play into my longer term financial goals - all of this can be done online in minutes.”

– Bryan G., Alberta

Thanks to First National I was able to get my first place! I have been enjoying the ability to turn a simple condo into my own home. So far, the projects have been small, but eventually the full place will be transformed. I’m taking great pride in home ownership so far, thank you First National!

– Roger B., Ontario

First National allowed us as first-time home buyers to finally start a family, we are expecting our bundle of joy soon and are excited to raise our baby in our beautiful home and we couldn’t be more happy and grateful.

– Tristan L., Ontario

First National has been an amazing partner in the financing of our home. They are a balance of unobtrusive and not pushy but highly informative and right there when you need them. As someone who was anxious about the home buying process, I couldn’t have asked for a more fluid and easy experience.

– Dennis M., Newfoundland & Labrador

Having First National in our life is worthy of a blessing. They take care of everything to make our life easier, because we know that having a home already has its share of tasks! With them, no problems. Just good service and speed.

– Patricia P., Quebec

This was my very first mortgage. I was nervous as it was completely new to me. I spoke to a representative after receiving my Welcome Letter. She was extremely patient in taking her time to explain everything to me in detail. As a result, I ended up with a mortgage tailored to my needs. I am grateful for outstanding service such as this! To that representative I spoke to, thank you again!

– Kevin F., Alberta

I love the online account where I can log in and see how much we’ve paid, how much we still owe and if needed, I can make changes to fit our family. First National Financial is awesome!

– Christina Y., Alberta

The simple, stress-free way to manage your mortgage.

Manage your mortgage how you want, when you want. Log in to My Mortgage® at mymortgage.firstnational.ca – it’s easy to understand, easy to use and will save you time.