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CMLS Financial

CMLS Financial Mortgage Rates

Compare current CMLS Financial mortgage rates in Canada

Commercial and residential mortgage expertise since 1974.

Best CMLS Financial Rates

Lowest rates by product type

5-Year Fixed

Insured

No rate available

5-Year Fixed

Uninsured
4.34%

Uninsured

View Rate

5-Year Variable

Insured

No rate available

5-Year Variable

Uninsured
3.75%

Uninsured

View Rate

Rate Overview

Best rate for each term and product type

TermFixed InsuredFixed UninsuredVariable InsuredVariable Uninsured
1 year
5.49%Apply
2 years
5.19%Apply
3 years
4.79%Apply
4 years
4.64%Apply
5 years
4.34%Apply
3.75%Apply
7 years
4.59%Apply
10 years
4.69%Apply

Fixed Rate Mortgages

Lock in your rate for the term of your mortgage

1 year

1 option
Best Rate
Uninsured
5.49%

2 years

1 option
Best Rate
Uninsured
5.19%

3 years

1 option
Best Rate
Uninsured
4.79%

4 years

1 option
Best Rate
Uninsured
4.64%

5 years

1 option
Best Rate
Uninsured
4.34%

7 years

1 option
Best Rate
Uninsured
4.59%

10 years

1 option
Best Rate
Uninsured
4.69%

Variable Rate Mortgages

Rates change with the prime rate

5 years

1 option
Best Rate
Uninsured
3.75%
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About CMLS Financial

CMLS Financial is one of Canada's oldest and most respected mortgage lenders, with over 50 years of experience in residential, commercial, and construction financing. CMLS offers competitive fixed and variable mortgage rates through the broker channel, backed by institutional-grade stability and service. Their residential mortgage products include conventional and high-ratio options, with flexible terms and prepayment privileges. CMLS is particularly strong in multi-unit residential and commercial lending, making them a preferred partner for investors and developers. Their long track record and conservative approach provide borrowers with confidence and reliability.

Mortgage Specialties

Monoline residential lendingCommercial mortgagesMulti-unit residential financingConstruction financingFixed and variable mortgages

Unique Features

  • 50+ years of lending experience
  • Institutional-grade stability
  • Strong investor and developer programs
  • Broker-only distribution
  • Conservative, reliable underwriting

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