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.


Stephen Smith,
Chairman, Chief Executive Officer and Co-Founder

Stephen SmithStephen Smith, one of Canada’s leading financial services entrepreneurs, is the Chairman, Chief Executive Officer and Co-Founder of First National Financial Corporation.  He has been an innovator in the development and utilization of various securitization techniques to finance mortgage assets as well as a leader in the development and application of information technology in the mortgage industry.

Mr. Smith is Chairman of Canada Guarantee Mortgage Insurance Company, which he owns in partnership with Ontario Teacher’s Pension Plan.  He is Chairman and co-owner of Duo Bank of Canada, formerly Walmart Canada Bank.  Mr. Smith is the largest shareholder in Equitable Bank, one of Canada’s leading alternative lenders and the country’s ninth largest publicly traded bank.  Mr. Smith is a member of the Board of Directors of the C.D.  Howe Institute, E-L Financial Corporation Limited and the Canada Infrastructure Bank.  He is also Chairman of Historica Canada, the producer of the Heritage Minutes and publisher of The Canadian Encyclopedia. In 2012, Mr. Smith received the Queen Elizabeth II Diamond Jubilee Medal for contributions to Canada.

In 2015, Queen's University announced the naming of The Stephen J.R. Smith School of Business at Queen's University in honour of Mr. Smith and his historic $50-million donation to the school.

Mr. Smith holds a B.Sc (Hons.) in Electrical Engineering from Queen’s University and a M.Sc. in Economics from the London School of Economics.


Moray Tawse | Jason Ellis | Robert Inglis | Scott C. McKenzie | Jeremy Wedgbury | Hilda Wong