CIBC MORTGAGE REVIEW

Explore CIBC mortgage rates

Review CIBC mortgage rates, term choices, and home-financing features, then compare them with other lender options for your plans.

Rates are current as of Canada
Compare CIBC Rates

Waiting for the right mortgage rate? Create a RateBuddy alert and we’ll notify you when rates reach your target or a strong mortgage match becomes available.

Lender overview

Understand the complete CIBC mortgage offer

CIBC mortgage products may include different rates, terms, payment options, qualification requirements, and contract features. Compare the available details carefully before choosing a mortgage.

Independent RateBuddy research

Compare CIBC Mortgage Rates

Live as of: August 17, 2026 | Canada

Customize your mortgage scenario

Adjust the purchase price, down payment, amortization, and payment frequency to see how your estimated mortgage payments change across the rate options below.

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%
Yrs
Tip: Use the filter to compare payment impact quickly. Even a small rate difference can change your estimated payment and total interest over time.
Take advantage of a cash back bonus directly from CIBC, available whether you are buying a home or switching your mortgage.
CIBC
Ratings
Google
Trustpilot
RateBuddy
Interest rate
4.74 %
1 Year Fixed
1 Year Fixed-Rate Closed Mortgage
Payment & interest estimate
Est. Monthly Payment $1,623
Interest in 5 years $63,786
Interest over 1 Year $13,378
Take advantage of a cash back bonus directly from CIBC, available whether you are buying a home or switching your mortgage.
CIBC
Ratings
Google
Trustpilot
RateBuddy
Interest rate
4.79 %
4 Years Fixed
4 Year Fixed-Rate Closed Mortgage
Payment & interest estimate
Est. Monthly Payment $1,631
Interest in 5 years $64,484
Interest over 4 Years $52,240
Switch and save: Eligible switchers can get up to $5,500 cash back directly from CIBC.
Take advantage of a cash back bonus directly from CIBC, available whether you are buying a home or switching your mortgage.
CIBC
Ratings
Google
Trustpilot
RateBuddy
Interest rate
4.84 %
5 Years Fixed
5 Year Fixed-Rate Closed Mortgage
Payment & interest estimate
Est. Monthly Payment $1,640
Interest in 5 years $65,182
Switch and save: Eligible switchers can get up to $5,500 cash back directly from CIBC.
Take advantage of a cash back bonus directly from CIBC, available whether you are buying a home or switching your mortgage.
CIBC
Ratings
Google
Trustpilot
RateBuddy
Interest rate
5.11 %
7 Years Fixed
7 Year Fixed-Rate Closed Mortgage
Payment & interest estimate
Est. Monthly Payment $1,684
Interest in 5 years $68,958
Interest over 7 Years $94,067
Take advantage of a cash back bonus directly from CIBC, available whether you are buying a home or switching your mortgage.
CIBC
Ratings
Google
Trustpilot
RateBuddy
Interest rate
6.79 %
10 Years Fixed
10 Year Fixed-Rate Closed Mortgage
Payment & interest estimate
Est. Monthly Payment $1,976
Interest in 5 years $92,682
Interest over 10 Years $174,931
Take advantage of a cash back bonus directly from CIBC, available whether you are buying a home or switching your mortgage.
CIBC
Ratings
Google
Trustpilot
RateBuddy
Interest rate
7.55 %
6 Months Fixed
6 Month Convertible Mortgage
Payment & interest estimate
Est. Monthly Payment $2,115
Interest in 5 years $103,520
Interest over 6 Months $10,728
Updating rates...
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Mortgage rates across Canada

Explore rates by province and city

Find national mortgage offers and rates available in your province, then explore a page designed for your local market.

7 markets
View all Alberta mortgage rates
10 markets
View all British Columbia mortgage rates
2 markets
View all Manitoba mortgage rates
3 markets
View all New Brunswick mortgage rates
2 markets
View all Newfoundland and Labrador mortgage rates
2 markets
View all Nova Scotia mortgage rates
18 markets
View all Ontario mortgage rates
2 markets
View all Prince Edward Island mortgage rates
9 markets
View all Quebec mortgage rates
3 markets
View all Saskatchewan mortgage rates
NORTH Northern Canada
3 markets
Browse the complete Canadian locations hub

Start with a province, territory or major Canadian mortgage market.

View all locations
Rates by lender

Compare mortgage rates by provider

Explore mortgage rate information from major Canadian banks, regional institutions and credit unions. Compare more than the advertised rate before choosing a provider.

Live rate intelligence

CIBC rate snapshot

This snapshot summarizes the mortgage results currently displayed above. Use the filters to test another price, down payment, amortization, or payment frequency.

Lowest rate shown 4.74%
Results on this page 6 options
Terms represented 6-month to 10-year
Rate types represented Fixed

Snapshot values reflect the results currently rendered on this page—not every mortgage product offered by CIBC.

Compare beyond the headline

What to review before choosing CIBC

A competitive rate matters, but mortgage flexibility, qualification rules, and potential exit costs can have an equally important effect on long-term value.

01

Rate and total borrowing cost

Compare the contract rate, estimated payment, interest over the selected term, applicable fees, and overall borrowing cost—not only the posted rate.

02

Flexibility and early-exit rules

Review prepayment privileges, portability, conversion options, renewal treatment, and how penalties may be calculated if you sell, refinance, or switch early.

03

Qualification and product fit

Confirm the income, credit, down-payment, property, occupancy, amortization, and documentation requirements for the product you are considering.

Not sure whether CIBC is the best fit?

Compare My Options
Find your mortgage path

Explore mortgage options based on what matters to you

Compare rates by structure, mortgage goal, term and market scenario without navigating through an oversized menu.

Tools and guidance

Plan your next mortgage decision

Estimate payments, test affordability, understand mortgage costs and explore practical guidance before taking your next step.

Explore all financial calculators
Advanced mortgage tools

Explore more ways to plan your mortgage

Compare borrowing strategies, test qualification scenarios and understand the longer-term financial impact of your mortgage decisions.

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Provider questions

CIBC mortgage FAQ

Clear answers about displayed rates, eligibility, comparisons, and the details worth confirming before applying.

No. Displayed rates are informational and may change without notice. Final rates, approval, terms, and product availability are determined by CIBC based on the application and property details.

Compare the mortgage term, amortization, payment frequency, prepayment privileges, portability, early-discharge penalties, qualification requirements, fees, and total borrowing cost—not only the advertised interest rate.

Eligibility can depend on income, employment, credit history, existing debts, down payment, property type, occupancy, amortization, and the lender’s underwriting requirements.

Yes. RateBuddy helps you review CIBC alongside other available lenders, rate types, terms, and mortgage paths so you can evaluate overall fit rather than relying on one headline rate.

RateBuddy displays the latest information available to its mortgage-rate system as of August 17, 2026. Because lenders can update rates and terms at any time, confirm important details before applying or making a financial decision.

Rate data status: Information shown as of for Canada.