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Lender rate guide

CMLS Financial
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.

15 of 15 reference offers

2-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization4.64%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

CMLS public uninsured closed fixed mortgage rate; 2 YEAR UNINSURED CLOSED.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year fixedUninsuredUp to 25-year amortization4.84%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

CMLS public standard fixed mortgage rate; FIXED 3 YEAR MORTGAGES.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

4-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization4.89%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

CMLS public uninsured closed fixed mortgage rate; 4 YEAR UNINSURED CLOSED.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year variableUninsuredUp to 25-year amortization4.90%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

CMLS public adjustable mortgage rate; ADJUSTABLE 5 YEAR MORTGAGES; CMLS Prime 4.70%.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

4-year fixedUninsuredUp to 25-year amortization4.94%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

CMLS public standard fixed mortgage rate; FIXED 4 YEAR MORTGAGES.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year variableUninsuredUp to 25-year amortization5.00%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

CMLS public adjustable mortgage rate; ADJUSTABLE 3 YEAR MORTGAGES; CMLS Prime 4.70%.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

2-year fixedUninsuredUp to 25-year amortization5.09%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

CMLS public standard fixed mortgage rate; FIXED 2 YEAR MORTGAGES.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedUninsuredUp to 25-year amortization5.09%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

CMLS public standard fixed mortgage rate; FIXED 5 YEAR MORTGAGES.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization5.14%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

CMLS public uninsured closed fixed mortgage rate; 1 YEAR UNINSURED CLOSED.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

3-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization5.44%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

CMLS public uninsured closed fixed mortgage rate; 3 YEAR UNINSURED CLOSED.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

5-year fixedUninsured – 25 yrUninsuredUp to 25-year amortization5.44%APRDetails
Product
Uninsured – 25 yr
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

CMLS public uninsured closed fixed mortgage rate; 5 YEAR UNINSURED CLOSED.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

1-year fixedUninsuredUp to 25-year amortization5.54%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

CMLS public standard fixed mortgage rate; FIXED 1 YEAR MORTGAGE.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

6-year fixedUninsuredUp to 25-year amortization7.34%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

CMLS public standard fixed mortgage rate; FIXED 6 YEAR MORTGAGES.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

7-year fixedUninsuredUp to 25-year amortization7.99%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

CMLS public standard fixed mortgage rate; FIXED 7 YEAR MORTGAGES.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

10-year fixedUninsuredUp to 25-year amortization8.09%APRDetails
Product
Standard
Insurance category
Uninsured
Maximum amortization
25 years
APR basis
Estimated; confirm fees

Eligibility & conditions

CMLS public standard fixed mortgage rate; FIXED 10 YEAR MORTGAGES.

Compare the reference scenarios (4)

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

Source & verification

Public lender source checked .

Verification expires . Recheck before making a decision. A rate hold does not extend an offer's availability.

Lender source & conditions

Beyond the headline

Prime programs and Rate Advantage

CMLS publishes prime program resources and separate Rate Advantage product features. Confirm the quoted product before assuming two CMLS rates have the same flexibility.

Match the product, insurance category and loan-to-value tier. If Rate Advantage is proposed, compare its specific conditions with the other prime offer and ask about porting and refinancing.

Lender product information and conditions ↗

Product guide updated . Rate evidence is dated separately in each offer. FCAC: choosing a mortgage.

Before you choose.

Are CMLS prime and AVEO interchangeable?

CMLS lists separate program resources for prime and AVEO. A quote needs to identify which program applies; the rate and underwriting conditions should be assessed together.

How do I check which CMLS Financial rates fit my mortgage?

Use the shopper with CMLS Financial selected, then enter your purchase, renewal or refinance details. Reference scenarios are examples; matching a rate is not lender approval. You can clear the lender filter to compare alternatives.

Check my scenario →
Can Pragmatic arrange every offer listed here?

A listing does not confirm a lender appointment or access to every product or promotion. Ask us to confirm the lender, program and application channel for your BC property. Our brokerage services are available in British Columbia.

Where can I compare payments and switching costs?

Use the payment calculator for an estimate, then include any payout penalty, discharge, appraisal and legal costs in a switching or refinance comparison. Confirm those costs with your current lender and the proposed lender.

Payment calculatorMortgage penalty estimateRefinancing guide

Related lenders and programs to explore. Eligibility and access differ.

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Compare with your own numbers.

Compare payments and terms for your own numbers, or get a broker’s help with eligibility, fees and the details that matter to you.

Compare my options Ask about CMLS Financial
About these rates & reference scenarios

Current catalogue examples for owner-occupied British Columbia and Ontario properties. Rates match the stated example scenarios, not your personal eligibility. This is not every lender product or a whole-market best-rate claim. Insurance, underwriting, fees and lender conditions apply. A rate hold does not extend an offer's availability.

Catalogue retrieved . Public sources are scheduled for checks once daily at 6 a.m. Vancouver time. Unverified, expired and future offers are withheld.

A listing does not confirm that a lender has appointed this brokerage or that every lender product is available through us.

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