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Mortgages

Feel right at home

Whether you're a first-time home buyer or just need mortgage advice, let us be your guide.

Limited time offer Get up to $4,000 cash back on select CIBC mortgages^† Learn more

What would you like to do?

Buy your first home

Let us guide you into your new home with helpful articles and tools.

Buy your next property

Get advice about purchasing your next home, investment property or cottage.

Renew your mortgage

Find out how mortgage renewal works, when to renew and what documents you need.

Learn about home energy savings

Save money and help our environment with home upgrades and energy-efficient habits.

Use your home equity

Unlock the hidden value in your home to gain financial flexibility.

Switch your mortgage

Choose a rate and term — and we’ll take care of the rest.

Benefit from competitive rates

There's more to a mortgage than the numbers — but it’s good to know them.

5-year fixed

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(APR RDS(APR %rate[5].FRCM.Published(5_null_null_Years_T,null,2,null)(#O2#)%))^‡

7-year fixed

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(APR RDS(APR %rate[5].FRCM.Published(7_null_null_Years_T,null,2,null)(#O2#)%))^◇

All mortgage rates

Get personalized mortgage advice

We'll help you find a rate and term that gets you closer to your goals.

Request a call

What kind of mortgage is right for you?

Fixed-rate mortgages Learn more about fixed-rate mortgages. Opens in a dialog.

Lock in on a competitive rate.

This type of mortgage is ideal if you want protection against interest rate increases.

Explore fixed-rate mortgages

Variable-rate mortgages Learn more about variable-rate mortgages. Opens in a dialog.

Get a lower rate that changes with the market.

This type of mortgage is ideal if you want to save money if interest rates go down.

Explore variable-rate mortgages

CIBC Home Power Plan

Borrow against the equity in your home.

When you combine a mortgage with a home equity line of credit, you can use funds at a low interest rate.

More about the Home Power Plan

Compare mortgages

All mortgage offers

Use our calculators

Mortgage payment calculator

Calculate your mortgage payment and learn money-saving tips.

Mortgage affordability calculator

Calculate how much you can afford to help find a home that fits your budget.

Explore all mortgage tools and calculators

More ways we can help you

CIBC free credit score

Get your credit score instantly. It's free for clients on the CIBC Mobile Banking^® App.

Learn more about how to get your free credit score.

Advice with your goals in mind

Take the guesswork out of mortgages. Get personalized advice from a CIBC Mortgage Advisor with no cost or obligation.

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Beyond 9 to 5

Bank when you like. Many locations are open late and on weekends. (Yes, Sundays too!)

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Know more about mortgages

We'll guide you through common terms and useful tips so you can buy your home with confidence.

Mortgage glossary

Mortgage prepayment basics

Want to pay off your mortgage faster? Before you make an extra payment, learn about prepayment options and charges.

How to best prepare for interest-rate changes

The CIBC prime rate is increasing due to the Bank of Canada’s overnight rate increase. Here’s how you can best prepare for the interest-rate changes.

Buying a second home

We'll guide you through the steps to buy your next home, investment property or vacation getaway of your dreams.

Mortgage FAQ

Get started

Pre-qualify for a mortgage

Submit a form to request a call

Find a CIBC Mortgage Advisor

Call us at 1-866-525-8622

Questions?

Top mortgage questions Opens a new window in your browser.

^†Offer available for mortgage loans that are transferred to CIBC from another financial institution. Mortgage loans must be funded within 120 days of application date.

Mortgage loan must have a principal amount of $100,000 or more, and be either a CIBC Fixed-Rate Closed Mortgage loan with a term of 4 years or more, or a 5-year CIBC Variable Flex Mortgage loan. A personal CIBC chequing account is required to make pre-authorized mortgage payments. Qualifying clients will receive:

$4,100 on a mortgage loan amount of $1,000,000 or more;
$3,100 on a mortgage loan of $750,000 to $999,999;
$2,100 on a mortgage loan of $500,000 to $749,999;
$1,100 on a mortgage loan of $100,000 to $499,999.

Cash back will be deposited in the personal CIBC chequing account 6 to 8 weeks after funding.

Cash back offer not available in combination with other mortgage offers. Other conditions and restrictions apply. Ask us for details. Offer ends January 31, 2023. Offer subject to credit approval and may be changed or withdrawn at any time, without notice.

If you have an eligible high ratio mortgage, you may also qualify for a special low rate. Talk to us to find out how.

If your down payment is less than 20% of the property value, your mortgage is high-ratio.

^‡,◇ 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 $275,000 mortgage for the applicable term and a 25-year amortization assuming a Property Valuation Fee of $300. Rates shown for the applicable term are CIBC’s special discounted rates and are not posted rates of CIBC. Offer may be changed, withdrawn or extended at any time, without notice.

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.