Residential lender
CMLS Financial mortgage rates
Checked against CMLS Financial's own rate page on October 19, 2026: 15 products, lowest fixed offer 4.79% (Standard 3 Year Fixed — Insured and Insurable).
CMLS publishes insured, insurable, uninsured and cashback mortgage pricing for qualified residential properties, alongside detailed broker rate requirements.
Visit the official lender website opens in a new tab- Distinct products
- 15
- Published pricing rows
- 79
- Published regions
- Ontario
- Last checked
- October 19, 2026
Qualification and structure signals present in the public records
- Categories
- Fixed, Alternative, Private
- Positions
- First
- Term range
- 1–5 years
- LTV and fee coverage
- Up to 95% LTV · fees shown on 79 of 79 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 CMLS Financial
Lender profile reviewed August 31, 2026
Fixed
Standard 3 Year Fixed — Insured and Insurable
Lowest published
4.79%
- Term / position
- 3 years · First
- Checked
- October 19, 2026 · 3 rows
Alternative
AVEO Traditional 3 Year ARM
Lowest published
CMLS Prime + 0.39% (4.84%)
- Term / position
- 3 years · First
- Checked
- October 15, 2026 · 4 rows
Fixed
Standard 5 Year Fixed — Insured and Insurable
Lowest published
4.89%
- Term / position
- 5 years · First
- Checked
- October 19, 2026 · 5 rows
Fixed
Pre-Approval 5 Year Fixed — Insured
Published rate
5.14%
- Term / position
- 5 years · First
- Checked
- October 19, 2026
Fixed
Smart Cash 5 Year Fixed — 1% Cashback
Lowest published
5.14%
- Term / position
- 5 years · First
- Checked
- October 19, 2026 · 5 rows
Fixed
Standard 2 Year Fixed — Insured
Published rate
5.14%
- Term / position
- 2 years · First
- Checked
- October 19, 2026
Alternative
AVEO Flex40 — 1 Year
Lowest published
5.29% fixed
- Term / position
- 1 year · First
- Checked
- October 15, 2026 · 16 rows
Alternative
AVEO Traditional Fixed
Lowest published
5.29% fixed
- Term / position
- 1–3 years · First
- Checked
- October 15, 2026 · 15 rows
Fixed
Uninsured 3 Year Fixed — Owner Occupied
Published rate
5.29%
- Term / position
- 3 years · First
- Checked
- October 19, 2026
Fixed
Smart Cash 5 Year Fixed — 2% Cashback
Lowest published
5.39%
- Term / position
- 5 years · First
- Checked
- October 19, 2026 · 5 rows
Fixed
Uninsured 5 Year Fixed — Owner Occupied
Published rate
5.44%
- Term / position
- 5 years · First
- Checked
- October 19, 2026
Fixed
Smart Cash 5 Year Fixed — 3% Cashback
Lowest published
5.59%
- Term / position
- 5 years · First
- Checked
- October 19, 2026 · 5 rows
Fixed
Uninsured 5 Year Fixed — Rental
Published rate
5.59%
- Term / position
- 5 years · First
- Checked
- October 19, 2026
Private
AVEO+
Lowest published
5.84%
- Term / position
- Term not stated · First
- Checked
- October 15, 2026 · 12 rows
Fixed
Smart Cash 5 Year Fixed — 5% Cashback
Lowest published
6.14%
- Term / position
- 5 years · First
- Checked
- October 19, 2026 · 4 rows
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 13, 2026AVEO Traditional 3 Year ARMCMLS Prime + 0.29% (4.74%) changed to CMLS Prime + 0.39% (4.84%)
- October 13, 2026AVEO Traditional 3 Year ARMCMLS Prime + 0.79% (5.24%) changed to CMLS Prime + 0.89% (5.34%)
- October 13, 2026AVEO Traditional 3 Year ARMCMLS Prime + 1.04% (5.49%) changed to CMLS Prime + 1.14% (5.59%)
- October 12, 2026Smart Cash 5 Year Fixed — 1% Cashback5.34% changed to 5.29%
- October 12, 2026Smart Cash 5 Year Fixed — 1% Cashback5.39% changed to 5.34%
- October 12, 2026Smart Cash 5 Year Fixed — 2% Cashback5.59% changed to 5.54%
- October 12, 2026Smart Cash 5 Year Fixed — 2% Cashback5.64% changed to 5.59%
- October 12, 2026Smart Cash 5 Year Fixed — 3% Cashback5.79% changed to 5.74%
- October 12, 2026Smart Cash 5 Year Fixed — 3% Cashback5.84% changed to 5.79%
- October 12, 2026Smart Cash 5 Year Fixed — 5% Cashback6.34% changed to 6.29%
- October 12, 2026Smart Cash 5 Year Fixed — 5% Cashback6.39% changed to 6.34%
- October 12, 2026Standard 3 Year Fixed — Insured and Insurable4.84% changed to 4.79%
The 12 most recent of 88 recorded changes.
Source and methodology
Ontario mortgage brokerage 11749 · mortgage administrator 11689. 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.