Simplii Financial™ Mortgage Rates

CIBC special mortgage rates^ⓘ

Type and term	Special rate^ⓘ	APR
2-year fixed	4.54%	4.56%
3-year fixed	4.39%	4.41%
4-year fixed	4.49%	4.51%
5-year fixed	4.54%	4.56%
5-year variable	4.25%	4.27%

Rates shown for the applicable term are CIBC’s special discounted rates and aren’t posted rates. Offer may be changed, withdrawn or extended at any time, without notice.

Annual Percentage Rate (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.

Not sure what home price you can afford?

Let's figure it out.

Mortgage affordability calculator

Getting a mortgage shouldn’t be complicated.

We’ll help build your confidence about the home buying process.

Learn about mortgages

Posted rates for Simplii Mortgages

As of June 19, 2025, Simplii Financial will no longer offer new Simplii-branded mortgages. Moving forward, all new mortgage products will be provided directly through CIBC.

Already Have a Mortgage with Simplii Financial?

It’s been a pleasure serving you! Rest assured, your existing mortgage remains unaffected, and we’re committed to continuing our relationship with you. You’ll continue to receive the same dedicated support and service you’ve come to expect. Additionally, the current posted rates will be maintained, ensuring you have uninterrupted access to manage your mortgage with ease.

RDS%rate[1].variable_rate.Published(5_year,NA-99999.99,variable_rate,undefined-undefined-undefined-undefined-undefined)(#O2#)%

Term	Simplii Variable-rate mortgages – Posted rates	Simplii Fixed-rate mortgages – Posted rates	Simplii Convertible mortgages	Starter Mortgage – Posted rates	Fixed Plus Mortgage – Posted rates	Fundamental Mortgage – Posted rates
6 month			RDS%rate[1].convertible.Published(6_month,undefined,fixed_rate,undefined-undefined-undefined-undefined-undefined)(#O2#)%
12 month			RDS%rate[1].convertible.Published(12_month,undefined,fixed_rate,undefined-undefined-undefined-undefined-undefined)(#O2#)%
2 year		RDS%rate[1].fixed_rate.Published(2_year,undefined,fixed_rate,undefined-undefined-undefined-undefined-undefined)(#O2#)%		RDS%rate[1].fixed_rate.Published(2_year,undefined,fresh_cut_rate,undefined-undefined-undefined-undefined-undefined)(#OX2#)%%	RDS%rate[1].fixed_rate.Published(2_year,undefined,pc_points_plus_rate,undefined-undefined-undefined-undefined-undefined)(#OX2#)%%	5.44%
3 year		RDS%rate[1].fixed_rate.Published(3_year,undefined,fixed_rate,undefined-undefined-undefined-undefined-undefined)(#O2#)%		RDS%rate[1].fixed_rate.Published(3_year,undefined,fresh_cut_rate,undefined-undefined-undefined-undefined-undefined)(#OX2#)%%	RDS%rate[1].fixed_rate.Published(3_year,undefined,pc_points_plus_rate,undefined-undefined-undefined-undefined-undefined)(#OX2#)%%	6.59%
4 year		RDS%rate[1].fixed_rate.Published(4_year,undefined,fixed_rate,undefined-undefined-undefined-undefined-undefined)(#O2#)%		RDS%rate[1].fixed_rate.Published(4_year,undefined,fresh_cut_rate,undefined-undefined-undefined-undefined-undefined)(#OX2#)%%	RDS%rate[1].fixed_rate.Published(4_year,undefined,pc_points_plus_rate,undefined-undefined-undefined-undefined-undefined)(#OX2#)%%	6.14%
5 year	RDS%rate[1].variable_rate.Published(5_year,NA-99999.99,variable_rate,undefined-undefined-undefined-undefined-undefined)(#O2#)%	RDS%rate[1].fixed_rate.Published(5_year,undefined,fixed_rate,undefined-undefined-undefined-undefined-undefined)(#O2#)%		RDS%rate[1].fixed_rate.Published(5_year,undefined,fresh_cut_rate,undefined-undefined-undefined-undefined-undefined)(#OX2#)%%	RDS%rate[1].fixed_rate.Published(5_year,undefined,pc_points_plus_rate,undefined-undefined-undefined-undefined-undefined)(#OX2#)%%	6.44%
7 year		RDS%rate[1].fixed_rate.Published(7_year,undefined,fixed_rate,undefined-undefined-undefined-undefined-undefined)(#O2#)%		RDS%rate[1].fixed_rate.Published(7_year,undefined,fresh_cut_rate,undefined-undefined-undefined-undefined-undefined)(#OX2#)%%	RDS%rate[1].fixed_rate.Published(7_year,undefined,pc_points_plus_rate,undefined-undefined-undefined-undefined-undefined)(#OX2#)%.%	6.25%
10 year		RDS%rate[1].fixed_rate.Published(10_year,undefined,fixed_rate,undefined-undefined-undefined-undefined-undefined)(#O2#)%		RDS%rate[1].fixed_rate.Published(10_year,undefined,fresh_cut_rate,undefined-undefined-undefined-undefined-undefined)(#OX2#)%%	RDS%rate[1].fixed_rate.Published(10_year,undefined,pc_points_plus_rate,undefined-undefined-undefined-undefined-undefined)(#OX2#)%%	6.74%

Rates subject to change without notice.

CIBC Prime Rate: RDS<%rate[2].treasury.Published(undefined,undefined,prime_rate,undefined-undefined-undefined-undefined-undefined)(#OX2#)%>%^ⓘ

Effective date: October 30, 2025

Sign on to Online banking

Mortgage rates

CIBC special mortgage rates^ⓘ

Posted rates for Simplii Mortgages

CIBC Prime Rate: RDS<%rate[2].treasury.Published(undefined,undefined,prime_rate,undefined-undefined-undefined-undefined-undefined)(#OX2#)%>%^ⓘ

About us

Privacy and protection

Support

Help

Mortgage rates

CIBC special mortgage ratesⓘ

Posted rates for Simplii Mortgages

CIBC Prime Rate: RDS<%rate[2].treasury.Published(undefined,undefined,prime_rate,undefined-undefined-undefined-undefined-undefined)(#OX2#)%>%ⓘ

About us

Privacy and protection

Support

Help

CIBC special mortgage rates^ⓘ

CIBC Prime Rate: RDS<%rate[2].treasury.Published(undefined,undefined,prime_rate,undefined-undefined-undefined-undefined-undefined)(#OX2#)%>%^ⓘ