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Mortgage rates¹

CIBC current prime rate RDS%rate[1].PRIME.Published(null,null,null,null)(#O2#)% as of RDS%SYSTEM_DATE(#M# #d#, #Y#)%

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Fixed Rate Mortgages

CIBC Fixed Rate Closed Mortgages

The security of a fixed interest rate, so you always know exactly what your payments will be.

Term	Posted Rate	Special Offers²
1 year	RDS%rate[5].FRCM.Published(1_null_null_Year_T,null,1,null)(#O2#)%	Ask for details
2 years	RDS%rate[5].FRCM.Published(2_null_null_Years_T,null,1,null)(#O2#)%	Ask for details
3 years	RDS%rate[5].FRCM.Published(3_null_null_Years_T,null,1,null)(#O2#)%	Ask for details
4 years	RDS%rate[5].FRCM.Published(4_null_null_Years_T,null,1,null)(#R#)%	RDS%rate[5].FRCM.Published(4_null_null_Years_T,null,18,null)(#R#)%i
5 years	RDS%rate[5].FRCM.Published(5_null_null_Years_T,null,1,null)(#O2#)%	Ask for details
7 years	RDS%rate[5].FRCM.Published(7_null_null_Years_T,null,1,null)(#O2#)%	RDS%rate[5].FRCM.rate(7_null_null_Years_T,null,18,null)(#R#)%ii
10 years	RDS%rate[5].FRCM.Published(10_null_null_Years_T,null,1,null)(#O2#)%	Ask for details

CIBC Fixed Rate Open Mortgages

The security of a fixed interest rate and the flexibility to pay off as much of your mortgage as you want, when you want.

Term	Posted Rate	Special Offers²
6 months	RDS%rate[5].FOM.Published(6_null_null_Months_T,null,1,null)(#O2#)%
1 year	RDS%rate[5].FOM.Published(1_null_null_Year_T,null,1,null)(#O2#)%

CIBC Convertible Mortgages

A short-term closed mortgage with a fixed interest rate and the flexibility to convert to a long-term closed mortgage at any time.

Term	Posted Rate	Special Offers²
6 months	RDS%rate[5].CCM.Published(6_null_null_Months_T,null,1,null)(#O2#)%

Variable Rate Mortgages

CIBC Variable Flex Mortgage^®

A low variable interest rate with the flexibility of annual prepayments of up to 20% without paying a prepayment charge³.

Term	Posted Rate	Special Offers
3 years	RDS%rate[5].5YRVARCLO.Published(3_null_null_Years_T,null,1,null)(#O2#)%	Ask for detailsAsk for details from a mobile mortgage advisor
5 years	RDS%rate[5].5YRVARCLO.Published(5_null_null_Years_T,null,1,null)(#O2#)%	Ask for detailsAsk for details from a mobile mortgage advisor

CIBC Variable Rate Open Mortgage

A set monthly mortgage payment. If the CIBC Prime rate goes down, more of your payment goes to the principal. If the rate rises, more of your payment goes to interest.

Term	Posted Rate	Special Offers
5 years	RDS%rate[5].VROM.Published(5_null_null_Years_T,null,1,null)(#O2#)%

Mortgage Special Offers and Bundles
CIBC Home Power Plan^® Use the equity in your home to consolidate all of your personal credit under one simple, low interest, secured lending solution.	Choose from a wide range of mortgage options that give you competitive rates and customized borrowing solutions.
CIBC Wealth Builder Mortgage^® Pay down your mortgage while you build savings with cash back⁴.	Available on CIBC Fixed Rate Closed Mortgages of 3-year terms or more.
Cash Back Offer Get a cash back mortgage offer based on your mortgage amount and term.	Available on CIBC Fixed Rate Closed Mortgages of 3-year terms or more and on the CIBC Variable Flex Mortgage.

Mortgage Special Offers and Bundles

CIBC Home Power Plan^®

Use the equity in your home to consolidate all of your personal credit under one simple, low interest, secured lending solution.

Choose from a wide range of mortgage options that give you competitive rates and customized borrowing solutions.

CIBC Wealth Builder Mortgage^®

Pay down your mortgage while you build savings with cash back⁴.

Available on CIBC Fixed Rate Closed Mortgages of 3-year terms or more.

Cash Back Offer

Get a cash back mortgage offer based on your mortgage amount and term.

Available on CIBC Fixed Rate Closed Mortgages of 3-year terms or more and on the CIBC Variable Flex Mortgage.

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* Offer available for mortgages transferred in from another financial institution to a CIBC Mortgage or CIBC Home Power Plan on mortgages of $100,000 or more with a term of 3 years or longer on a CIBC Fixed-Rate Closed Mortgage or CIBC Variable Flex Mortgage. You must have a personal CIBC chequing account; pre-authorized mortgage payments must come from a CIBC bank account. Application must be submitted by February 28, 2019, and must fund within 120 days of application. Qualifying clients will receive $1,000 on mortgage amounts of $300,000 or more or $750 on mortgage amounts of $100,000 to $299,999 in their personal CIBC chequing account 6-8 weeks after funding. Other conditions and restrictions apply. Ask us for details. Offer ends February 28, 2019. Offer subject to credit approval and may be changed, withdrawn or extended at any time, without notice.

¹ Rates are subject to change without notice at any time. Offer may change or be withdrawn at any time without notice. Other conditions and restrictions apply.

All applicants must meet the CIBC lending criteria. Other conditions and restrictions apply. Products and their features may change at any time. Variable interest rates may change at any time. This is a general description only. For more information and product terms and conditions, consult product brochures or call 1-866-525-8622.

² Special offers apply to new mortgages only. 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.

ⁱ (APR RDS%rate[5].FRCM.Published(4_null_null_Years_T,null,2,null)(#R#)%)
ⁱⁱ (APR RDS%rate[5].FRCM.Published(7_null_null_Years_T,null,2,null)(#O2#)%)

The 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 $250.

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.

³ Non-cumulative and does not apply if you prepay in full.

⁴ CIBC Wealth Builder Mortgage is only available on the 5-year CIBC Variable Flex Mortgage and fixed rate closed mortgages of 3-year terms or greater for mortgages of $75,000 or more. You must maintain both a CIBC savings and CIBC chequing account to receive cash back up front and during the mortgage term. Cash back amounts that were paid up front are repayable if mortgage is discharged, transferred or renewed before maturity date. Assumptions, conversions, early renewals and ports of existing CIBC mortgages do not qualify. Other conditions apply; ask for details. CIBC may change or cancel this offer at any time without notice.

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Mortgage rates1

Moving your mortgage? Get up to $1,000*

Fixed Rate Mortgages

Variable Rate Mortgages

Mortgage rates¹