First National Financial LP: Canada’s Trusted Non-Bank Mortgage Powerhouse
Since 1988, First National Financial LP has been rewriting the rules of Canadian mortgage lending. Founded by industry trailblazers Stephen Smith and Moray Tawse, this powerhouse quickly rose to become the second-largest non-bank lender in the country, right behind MCAP.
Starting strong with residential mortgages, First National expanded into commercial lending by 1991, mastering everything from single-family homes to multi-unit rentals and complex commercial real estate.
Going public in 2006 fueled explosive growth, vaulting their mortgage management past $100 billion by 2017; a clear sign of their innovation, reliability, and trusted partnerships with brokers coast to coast.
Today, First National is the lender brokers and borrowers rely on for flexible, competitive mortgage solutions; whether you’re buying your dream home or closing a big commercial deal.
Why First National? Four Game-Changing Mortgage Strengths You Can’t Ignore
Discover how First National’s tailored mortgage programs, flexible qualifying criteria, and competitive rates are designed to get you approved quickly - so you can secure the home or investment property you want with confidence.
Cottage Program
Financing made simple for your dream vacation home; easy, flexible, reliable.
Business for Self (BFS)
Tailored mortgages for self-employed borrowers, no pay stubs required.
Flexible Qualifying Ratios
Real-world lending that adapts to your unique financial situation.
Competitive Rates
Great rates that maximize affordability and keep payments manageable.
Is First National the smartest move for your mortgage?
I’ll help you find out — no guesswork, just answers.
The Real Deal: What You NEED to Know About First National
-
Heck yes. They’re one of Canada’s top 7 mortgage lenders—a heavyweight trusted by brokers and borrowers coast to coast. When you want reliability and muscle, they deliver.
-
Toronto’s where the magic happens. But don’t look for a fancy storefront—they’re 100% digital, no brick-and-mortar distractions. Phone, email, fax—they make it easy and modern.
-
Oui, they do. First National offers full bilingual service in English and French—because Canada’s diversity deserves nothing less.
-
A sharp, focused monoline lender. No distractions, no fluff—just mortgage mastery.
-
From coast to coast to coast. First National’s got all of Canada covered—no matter where you want to plant roots or grow your portfolio.
-
Everything from 1st and 2nd mortgages to financing for homes, commercial spaces, and investment properties. Flexible terms designed to fit your game plan.
-
Yep. Manage your mortgage, payments, and documents anytime, anywhere through their slick online borrower portal. Control at your fingertips.
-
Forget the Big 5’s harsh fees. First National’s penalty calculations are more borrower-friendly, so you keep more cash in your pocket if you need to refinance or pay off early.
📞 Contact & Tools: Everything You Should Know About First National Financial LP
No brick-and-mortar branches. No waiting in line. Just streamlined, digital-first service backed by one of Canada’s largest non-bank lenders.
-
16 York Street, Suite 1900
Toronto, Ontario M5J 0E6 -
1-888-488-0794
-
1-866-325-2563
-
-
-
-
Monday to Friday 8:30 am to 8:00 pm (EST)
First National does not accept mortgage applications directly from clients - they work exclusively through brokers (like me!). That means if you're wondering whether their rates, products, or flexibility are the right fit for your next move…
👉 Let’s talk first.
I’ll help you navigate their offerings and see if First National’s the smart choice for your situation - or if another lender can beat them at their own game.
Follow First National’s socials
Heads-Up:
These accounts are helpful if you're into deep dives and industry speak.
But if you want advice that actually applies to you?
👉 [Get in touch with me first.]
I’ll show you if First National’s the right fit - and how to make your mortgage work harder.
