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.


Prepayment calculator

Estimate potential prepayment penalties

If you are planning to prepay your mortgage before your term’s end or exceed your prepayment privileges, certain penalties may apply. To help you determine those costs, you can get an estimate using the prepayment calculator. Simply select whether you wish to pay off the entire remaining balance or a portion of your principal balance. The tool will then prompt you for some basic information related to your current mortgage, and once entered, you can calculate to get a better sense of prepayment charges.


The above calculation is based on the accuracy and completeness of the data you have entered, is for illustrative and for informational purposes and is not intended to provide specific financial or other advice, and should not be relied upon in that regard.

This calculation assumes a constant interest rate throughout the amortization period and that the interest rate is compounded semi-annually, not in advance. The mortgage payment amount may vary according to certain variables entered in to the calculator and may not provide the precise dollar amount of your mortgage payment. The results will give you a general idea of the basic mortgage amount and mortgage payment amount based upon the information you have entered.

First National does not make any express or implied warranties or representations with respect to any information or results in connection with the calculator.

First National uses reasonable efforts to include accurate and up-to-date information in this calculator, but cannot guarantee that all information is accurate, complete or current at all times.

Please speak with your mortgage broker to assist you with determining what you can afford.

All First National residential mortgage products are subject to its standard lending criteria.

Ressources additionnelles

Si vous choisissez de rembourser un montant supérieur à celui dont vos privilèges de remboursement anticipé vous donnent droit, il est possible que vous deviez payer des frais additionnels ou des pénalités. Apprenez quand et comment ces frais peuvent vous être exigés.

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