First National Financial LP

Get to know the First National Home Equity Secured Mastercard®

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 leverages your home equity to secure credit that can be used for:

  • Home improvements or repairs
  • Consolidating debt
  • Large purchases including electronics or appliances 
  • Education
  • Self-employed clients that want to expand and grow their business
  • 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.


  • 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

  • High credit limits allow eligible cardholders to secure up to a maximum credit limit of $250,000
  • 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:

  • Speak with your broker to see what rate you qualify for
  • Pre-authorized Payment is required to cover minimum payments, providing convenience and eliminating any worry of missed payments
  • Set-up fee of 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

Customer service is provided by Fairstone Bank. 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 Fairstone 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 Fairstone Bank of Canada is a Schedule I federally regulated Canadian Bank
† Determined based on the equity in your home and subject to approval
 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 Fairstone Bank of Canada. 
®/TM Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
© First National Financial LP

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