Mortgages: Find the best mortgage for you and apply online

Make your house a home with up to $2,500 cash bonus

Offer ends October 31.

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Find your mortgage

Learn which kind of mortgage fits you best.

Fixed Rate Mortgages

You know how much your rate will be for the whole term
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Your term can be from 2 to 10 years
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You have flexible repayment options on most mortgages

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Variable Rate Mortgages

Your rate changes based on CIBC's prime rate
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You get a 5 year term + the option to switch to a fixed rate mortgage
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You get flexible repayment options

* Conditions and restrictions apply; ask for details

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Today's Great Rates

Terms	Posted Rates	Special Rates**
2 year fixed	RDS%rate[1].fixed_rate.Published(2_year,undefined,fixed_rate,undefined-undefined-undefined-undefined-undefined)(#O2#)%	2.99%¹
3 year fixed	RDS%rate[1].fixed_rate.Published(3_year,undefined,fixed_rate,undefined-undefined-undefined-undefined-undefined)(#O2#)%	2.79%²
4 year fixed	RDS%rate[1].fixed_rate.Published(4_year,undefined,fixed_rate,undefined-undefined-undefined-undefined-undefined)(#O2#)%	2.79%³
5 year fixed	RDS%rate[1].fixed_rate.Published(5_year,undefined,fixed_rate,undefined-undefined-undefined-undefined-undefined)(#O2#)%	2.84%⁴
5 year variable	RDS%rate[1].variable_rate.Published(5_year,NA-99999.99,variable_rate,undefined-undefined-undefined-undefined-undefined)(#O2#)%	3.20%⁵

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Buying a new home

Buying a new home is a big step and we're here to help you through the whole process.

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Refinancing a mortgage

You can get better interest rates, finance for long or short-term goals, and have the ability to lower your payment amounts.

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Renewing a mortgage

Get informed about mortgage renewal including competitive rates, flexible payments and convenient features.

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Transferring a mortgage

If you're looking to make the switch and save on your mortgage we'll help you out step-by-step.

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Tools and calculators

What can I afford?

Mortgage Prepayment Charge Calculator

As of November 1, 2017, our product names have changed:

Former Product Name	Simplii Product Name
Points Plus Mortgage	Simplii Financial™ Fixed Plus Mortgage
Variable Rate Mortgage	Simplii Financial™ Variable Rate Mortgage
Basic Mortgage	Simplii Financial™ Fundamental Mortgage
Fresh Cut No Points Mortgage	Simplii Financial™ Fixed Rate Mortgage
Fresh Cut Mortgage	Simplii Financial™ Starter Mortgage
Cash Back Mortgage	Simplii Financial™ Cashback Mortgage
Convertible Mortgage	Simplii Financial™ Convertible Mortgage