Lender rate guide

CIBC
mortgage rates.

Compare current rate examples, then check what fits your mortgage.

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Compare the possibilities.

Owner-occupied BC & Ontario reference scenarios. Conditions vary by product.

10 of 10 reference offers

5-year variableInsuredUp to 25-year amortization4.07%APRContract 4.05%Details

Product: Insured
Insurance category: Insured
Maximum amortization: 25 years
APR basis: Lender reported

Eligibility & conditions

CIBC public special offer; 5-year variable flex; insured purchase. Subject to lender approval.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked Oct 24, 2026, 6:08 a.m. Pacific.

Verification expires Oct 25, 2026, 6:08 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year variableUninsuredUp to 25-year amortization4.17%APRContract 4.15%Details

Product: Uninsured – 25 yr
Insurance category: Uninsured
Maximum amortization: 25 years
APR basis: Lender reported

Eligibility & conditions

CIBC public special offer; 3 years; up to 25 year amortization. Subject to lender approval.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked Oct 24, 2026, 6:08 a.m. Pacific.

Verification expires Oct 25, 2026, 6:08 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year variableUninsuredUp to 25-year amortization4.22%APRContract 4.20%Details

Product: Uninsured – 25 yr
Insurance category: Uninsured
Maximum amortization: 25 years
APR basis: Lender reported

Eligibility & conditions

CIBC public special offer; 5 years; up to 25 year amortization. Subject to lender approval.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked Oct 24, 2026, 6:08 a.m. Pacific.

Verification expires Oct 25, 2026, 6:08 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

2-year fixedUninsuredUp to 25-year amortization4.86%APRContract 4.84%Details

Product: Uninsured – 25 yr
Insurance category: Uninsured
Maximum amortization: 25 years
APR basis: Lender reported

Eligibility & conditions

CIBC public special offer; 2 years; up to 25 year amortization. Subject to lender approval.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked Oct 24, 2026, 6:08 a.m. Pacific.

Verification expires Oct 25, 2026, 6:08 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedInsuredUp to 25-year amortization5.01%APRContract 4.99%Details

Product: Insured
Insurance category: Insured
Maximum amortization: 25 years
APR basis: Lender reported

Eligibility & conditions

CIBC public special offer; 5-year fixed closed; insured purchase. Subject to lender approval.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked Oct 24, 2026, 6:08 a.m. Pacific.

Verification expires Oct 25, 2026, 6:08 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsuredUp to 25-year amortization5.11%APRContract 5.09%Details

Product: Uninsured – 25 yr
Insurance category: Uninsured
Maximum amortization: 25 years
APR basis: Lender reported

Eligibility & conditions

CIBC public special offer; 1 year; up to 25 year amortization. Subject to lender approval.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked Oct 24, 2026, 6:08 a.m. Pacific.

Verification expires Oct 25, 2026, 6:08 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year fixedUninsuredUp to 25-year amortization5.11%APRContract 5.09%Details

Product: Uninsured – 25 yr
Insurance category: Uninsured
Maximum amortization: 25 years
APR basis: Lender reported

Eligibility & conditions

CIBC public special offer; 3 years; up to 25 year amortization. Subject to lender approval.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked Oct 24, 2026, 6:08 a.m. Pacific.

Verification expires Oct 25, 2026, 6:08 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

4-year fixedUninsuredUp to 25-year amortization5.26%APRContract 5.24%Details

Product: Uninsured – 25 yr
Insurance category: Uninsured
Maximum amortization: 25 years
APR basis: Lender reported

Eligibility & conditions

CIBC public special offer; 4 years; up to 25 year amortization. Subject to lender approval.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked Oct 24, 2026, 6:08 a.m. Pacific.

Verification expires Oct 25, 2026, 6:08 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedUninsuredUp to 25-year amortization5.36%APRContract 5.34%Details

Product: Uninsured – 25 yr
Insurance category: Uninsured
Maximum amortization: 25 years
APR basis: Lender reported

Eligibility & conditions

CIBC public special offer; 5 years; up to 25 year amortization. Subject to lender approval.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked Oct 24, 2026, 6:08 a.m. Pacific.

Verification expires Oct 25, 2026, 6:08 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

7-year fixedUninsuredUp to 25-year amortization5.56%APRContract 5.54%Details

Product: Uninsured – 25 yr
Insurance category: Uninsured
Maximum amortization: 25 years
APR basis: Lender reported

Eligibility & conditions

CIBC public special offer; 7 years; up to 25 year amortization. Subject to lender approval.

Compare the reference scenarios (2)

These scenarios matched this offer. They are examples, not confirmation of your eligibility.

Source & verification

Public lender source checked Oct 24, 2026, 6:08 a.m. Pacific.

Verification expires Oct 25, 2026, 6:08 p.m. Pacific. Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

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