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.


Get to know the First National Home Equity Secured Mastercard® issued by Duo Bank of CanadaΔ

You’ve spent time and energy earning equity in your home. 

You now have a practical way to take advantage of it and simplify other areas of your life.

Read the brochure

The First National Home Equity Secured Mastercard issued by Duo Bank of Canada leverages your home equity to secure credit that can be used for:

  • Home improvements or repairs
  • Consolidating debt
  • Large purchases including electronics or appliances 
  • Children’s education
  • Expenses including gas, grocery, pharmacy, entertainment or incidentals

Enjoy the flexibility, security and convenience of a secured credit card with a credit limit based on the equity in your home and which may have a lower interest rate than an unsecured credit cards. 


  • The property must be owner occupied as a single family residence
  • Cards are limited to two cards per household
  • A mortgage will be registered against the property to secure the credit card debt
  • Ontario properties only*

Key Features

  • Higher credit limits allow cardholders to secure up to a maximum credit limit of $100,000 
  • No annual fee
  • Additional card for co-applicant where the co-applicant is also registered on title to the property 
  • Mastercard Zero Liability Protection against unauthorized use
  • Convenient cash advances available at any ABM

Rates, Fees and Payments:

  • Lower interest rates compared to unsecured credit cards
  • Interest rates account for First National’s prime rate plus 1% - 9.25%Δ, depending on the applicant’s credit
  • Pre-authorized Payment Plan covers minimum balance or each new monthly balance, providing convenience and eliminating any worry of missed payments
  • Set-up fee of up to 2% of your credit limit charged to the card

To learn more about the First National Home Equity Secured Mastercard

Talk to your broker today.

Call First National by phone at 1-888-670-2111 or email at


Existing First National Home Equity Secured Card customers

Please call 1-855-634-1328 Monday to Friday 9 am to 5 pm EST 
Fax: 1-844-554-3615 
Mail: First National Home Equity Mastercard Issued by Duo Bank of Canada, P.O. Box 220, Orangeville, ON, L9W 2Z6


Lost/Stolen Cards

From Canada or the United States: 1.855.489.5688
Elsewhere (by collect call): 416.850.0044

Δ Duo Bank of Canada is a Schedule I federally regulated Canadian Bank
† Mastercard’s Zero Liability Protection is subject to certain conditions as set out in the cardholder agreement for this product. 
* Available in Ontario only, subject to change at any time
The Home Equity Secured Mastercard® is issued by Duo Bank of Canada. 
®/TM Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
© First National Financial LP

Pre-authorized Debit Agreement
Cardholder Agreement
Complaint Handling Process
Cost of Borrowing Disclosure