Bank
CIBC mortgage rates
Checked against CIBC's own rate page on October 16, 2026: 23 products, lowest fixed offer 4.84% (2 Year Fixed Closed — Special); lowest variable offer 4.05% (5 Year Variable Flex — High Ratio Special).
CIBC publishes posted and special fixed, variable, high-ratio, open and convertible mortgage pricing, including APR assumptions and product update dates through its official rate service.
Visit the official lender website opens in a new tab- Distinct products
- 23
- Published pricing rows
- 23
- Published regions
- Ontario
- Last checked
- October 16, 2026
Qualification and structure signals present in the public records
- Categories
- Variable, Fixed, Residential
- Positions
- First
- Term range
- 6–120 months
- LTV and fee coverage
- LTV not stated · fees shown on 23 of 23 rows
These are published fields, not an underwriting model. Credit, income, property, location and transaction details can still change eligibility or pricing.
Published pricing
Mortgage products from CIBC
Lender profile reviewed September 1, 2026
Variable
5 Year Variable Flex — High Ratio Special
Published rate
4.05% special
- Term / position
- 5 years · First
- Checked
- October 16, 2026
Variable
3 Year Variable Flex — Special
Published rate
4.15% special
- Term / position
- 3 years · First
- Checked
- October 16, 2026
Variable
5 Year Variable Flex — Special
Published rate
4.20% special
- Term / position
- 5 years · First
- Checked
- October 16, 2026
Variable
3 Year Variable Flex — Posted
Published rate
4.45% posted
- Term / position
- 3 years · First
- Checked
- October 16, 2026
Variable
5 Year Variable Flex — Posted
Published rate
4.45% posted
- Term / position
- 5 years · First
- Checked
- October 16, 2026
Fixed
2 Year Fixed Closed — Special
Published rate
4.84% special
- Term / position
- 2 years · First
- Checked
- October 16, 2026
Fixed
5 Year Fixed Closed — High Ratio Special
Published rate
4.99% special
- Term / position
- 5 years · First
- Checked
- October 16, 2026
Fixed
1 Year Fixed Closed — Special
Published rate
5.09% special
- Term / position
- 1 year · First
- Checked
- October 16, 2026
Fixed
3 Year Fixed Closed — Special
Published rate
5.09% special
- Term / position
- 3 years · First
- Checked
- October 16, 2026
Fixed
1 Year Fixed Closed — Posted
Published rate
5.14% posted
- Term / position
- 1 year · First
- Checked
- October 16, 2026
Fixed
2 Year Fixed Closed — Posted
Published rate
5.24% posted
- Term / position
- 2 years · First
- Checked
- October 16, 2026
Fixed
4 Year Fixed Closed — Special
Published rate
5.24% special
- Term / position
- 4 years · First
- Checked
- October 16, 2026
Fixed
5 Year Fixed Closed — Special
Published rate
5.34% special
- Term / position
- 5 years · First
- Checked
- October 16, 2026
Fixed
7 Year Fixed Closed — Special
Published rate
5.54% special
- Term / position
- 7 years · First
- Checked
- October 16, 2026
Fixed
3 Year Fixed Closed — Posted
Published rate
6.14% posted
- Term / position
- 3 years · First
- Checked
- October 16, 2026
Fixed
4 Year Fixed Closed — Posted
Published rate
6.19% posted
- Term / position
- 4 years · First
- Checked
- October 16, 2026
Fixed
7 Year Fixed Closed — Posted
Published rate
6.30% posted
- Term / position
- 7 years · First
- Checked
- October 16, 2026
Fixed
5 Year Fixed Closed — Posted
Published rate
6.49% posted
- Term / position
- 5 years · First
- Checked
- October 16, 2026
Fixed
10 Year Fixed Closed — Posted
Published rate
6.79% posted
- Term / position
- 10 years · First
- Checked
- October 16, 2026
Residential
6 Month Convertible Mortgage — Posted
Published rate
7.55% posted
- Term / position
- 6 months · First
- Checked
- October 16, 2026
Variable
5 Year Variable Rate Open — Posted
Published rate
7.75% posted
- Term / position
- 5 years · First
- Checked
- October 16, 2026
Fixed
1 Year Fixed Open — Posted
Published rate
10.00% posted
- Term / position
- 1 year · First
- Checked
- October 16, 2026
Fixed
6 Month Fixed Open — Posted
Published rate
10.00% posted
- Term / position
- 6 months · First
- Checked
- October 16, 2026
Record history
Each line is a check at which the figure recorded here changed: the lender moved its rate, or an earlier record was corrected. History starts with the first full source check on September 29, 2026.
- October 16, 20261 Year Fixed Closed — Posted4.99% posted changed to 5.14% posted
- October 16, 20261 Year Fixed Closed — Special4.94% special changed to 5.09% special
- October 16, 20262 Year Fixed Closed — Special4.69% special changed to 4.84% special
- October 16, 20263 Year Fixed Closed — Special4.94% special changed to 5.09% special
- October 16, 20263 Year Variable Flex — Special4.05% special changed to 4.15% special
- October 16, 20264 Year Fixed Closed — Special5.09% special changed to 5.24% special
- October 16, 20265 Year Fixed Closed — High Ratio Special4.79% special changed to 4.99% special
- October 16, 20265 Year Fixed Closed — Special5.14% special changed to 5.34% special
- October 16, 20265 Year Variable Flex — High Ratio Special3.95% special changed to 4.05% special
- October 16, 20265 Year Variable Flex — Special4.10% special changed to 4.20% special
- October 16, 20267 Year Fixed Closed — Special5.31% special changed to 5.54% special
- September 29, 20261 Year Fixed Closed — Special4.74% special changed to 4.94% special
The 12 most recent of 18 recorded changes.
Source and methodology
Official bank-hosted mortgage rate page and rate service. Product cards group public rows by lender and product name. The smallest displayed rate is a navigation label only; open the product record to match the relevant credit, property, LTV, term and fee row.