First National Financial LP®

Mortgage Rates

Our rates for qualified residential mortgages

When you’re buying your dream home, what you pay for your mortgage is a key consideration. But there are other vital priorities as well. Making mortgage decisions based on rate alone doesn’t always deliver value in the long run. At First National, we want to help you secure a competitive mortgage and provide value along the way — simplified management, ongoing education, accessible expertise – so you can own your dream home and achieve your financial goals.

Rates effective as of Thursday, December 12, 2024 for qualified residential properties.

Posted Rates

Fixed rate mortgages – closed terms

Mortgage type 1 year 2 year 3 year 4 year 5 year 7 year 10 year
Insured 6.63 5.92 5.04 4.99 4.64 5.90 5.80
Insurable up to 65% LTV 6.63 5.92 5.04 4.99 4.64 N/A N/A
Insurable > 65% - 70% LTV 6.63 5.92 5.04 4.99 4.74 N/A N/A
Insurable > 70% - 75% LTV 6.63 5.92 5.04 4.99 4.79 N/A N/A
Insurable > 75% - 80% LTV 6.63 5.92 5.04 4.99 4.84 N/A N/A
Conventional 6.63 5.92 5.04 4.99 4.99 5.90 5.80

Adjustable rate mortgages

Mortgage type 5 year
Insured Prime - 0.85% for the entire term
Insurable up to 65% LTV Prime - 0.85% for the entire term
Insurable > 65% - 70% LTV Prime - 0.70% for the entire term
Insurable > 70% - 75% LTV Prime - 0.55% for the entire term
Insurable > 75% - 80% LTV Prime - 0.55% for the entire term
Conventional Prime - 0.11% for the entire term

First National Prime Rate: 5.45

Open term mortgage

6 month fixed term 9.45

Excalibur Mortgage Rates

Year 680+ 650-679 600-649 580-599 < 580
1 Year 5.54% 5.69% 5.94% 6.19% 6.44%
2 Year 5.39% 5.54% 5.79% 6.04% 6.19%
3 Year 5.29% 5.44% 5.69% 5.94% 6.19%

Not familiar with these mortgage terms? Visit our glossary here.

Rates are for single-family residential mortgages.

Actual rates may vary. Please contact First National toll-free at 1.888.670.2111 or send us a message through your My Mortgage account. 

Rates are subject to change without notice.
E. & O. E.

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