Mortgages

Fixed Rate Mortgages

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

Apply now

Variable Rate Mortgages

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

* Conditions and restrictions apply; ask for details

Apply now

**Special offers apply only to new mortgages of owner-occupied properties with an amortization of 25 years or less. Annual Percentage Rate (APR) is based on a new $400,000 mortgage for the applicable term and a 25-year amortization assuming a Property Valuation Fee of $250. Rates shown for the applicable term are Simplii Financial’s special discounted rates and are not posted rates of Simplii Financial. Offer may be changed, withdrawn or extended at any time, without notice. Offer cannot be combined with other offers and is not available on variable rate, basic or cashback fixed rate mortgages, existing Simplii Financial mortgages or mortgage renewals.

APR means the cost of borrowing for a loan expressed as an interest rate. It includes all interest and non-interest charges associated with the mortgage. If there are no non-interest charges, the annual interest rate and APR will be the same.

Minimum principal amount for a Simplii Financial mortgage is $35,000. Mortgages are subject to credit approval. Not available in Quebec. Conditions and restrictions apply; ask for details.

120 day rate guarantee available upon mortgage pre-approval or approval. Not available for variable rate mortgage.

60 day rate guarantee is offered when refinancing your mortgage. Subject to change without notice.

5 year variable	3.45%
2 year fixed	3.24%
3 year fixed	3.59%
4 year fixed	4.19%
Special 4 year fixed**	3.39% (3.41% APR)
5 year fixed	4.64%
7 year fixed	4.99%
10 year fixed	5.90%

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

Please sign on with your existing card number and password

Be mortgage-free faster with better rates and flexible repayment options

Find your mortgage

Fixed Rate Mortgages

Variable Rate Mortgages

Still not sure? Don't worry, we can help you out.

Slide 1

Slide 2

Slide 3

Slide 4

Tools and Calculators

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

Have questions?