Residential lender
CMLS Financial mortgage rate records
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
- Latest record
- September 2, 2026
Qualification and structure signals present in the public records
- Categories
- Residential, Alternative, Private
- Positions
- First
- Term range
- 12–60 months
- 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
Public profile checked August 31, 2026
Residential
Standard 3 Year Fixed — Insured and Insurable
Smallest displayed row
4.49%
- Term / position
- 36–36 months · First
- Rows / record date
- 3 rows · September 2, 2026
Residential
Standard 5 Year Fixed — Insured and Insurable
Smallest displayed row
4.54%
- Term / position
- 60–60 months · First
- Rows / record date
- 5 rows · September 2, 2026
Alternative
AVEO Traditional 3 Year ARM
Smallest displayed row
CMLS Prime + 0.19% (4.64%)
- Term / position
- 36–36 months · First
- Rows / record date
- 4 rows · August 11, 2026
Residential
Standard 2 Year Fixed — Insured
Smallest displayed row
4.79%
- Term / position
- 24–24 months · First
- Rows / record date
- 1 row · September 2, 2026
Residential
Pre-Approval 5 Year Fixed — Insured
Smallest displayed row
4.79%
- Term / position
- 60–60 months · First
- Rows / record date
- 1 row · September 2, 2026
Residential
Smart Cash 5 Year Fixed — 1% Cashback
Smallest displayed row
4.79%
- Term / position
- 60–60 months · First
- Rows / record date
- 5 rows · September 2, 2026
Residential
Uninsured 3 Year Fixed — Owner Occupied
Smallest displayed row
4.84%
- Term / position
- 36–36 months · First
- Rows / record date
- 1 row · September 2, 2026
Residential
Uninsured 5 Year Fixed — Owner Occupied
Smallest displayed row
4.89%
- Term / position
- 60–60 months · First
- Rows / record date
- 1 row · September 2, 2026
Residential
Uninsured 5 Year Fixed — Rental
Smallest displayed row
5.04%
- Term / position
- 60–60 months · First
- Rows / record date
- 1 row · September 2, 2026
Residential
Smart Cash 5 Year Fixed — 2% Cashback
Smallest displayed row
5.04%
- Term / position
- 60–60 months · First
- Rows / record date
- 5 rows · September 2, 2026
Alternative
AVEO Traditional Fixed
Smallest displayed row
5.09% fixed
- Term / position
- 12–36 months · First
- Rows / record date
- 15 rows · August 11, 2026
Residential
Smart Cash 5 Year Fixed — 3% Cashback
Smallest displayed row
5.24%
- Term / position
- 60–60 months · First
- Rows / record date
- 5 rows · September 2, 2026
Alternative
AVEO Flex40 — 1 Year
Smallest displayed row
5.29% fixed
- Term / position
- 12–12 months · First
- Rows / record date
- 16 rows · August 11, 2026
Residential
Smart Cash 5 Year Fixed — 5% Cashback
Smallest displayed row
5.79%
- Term / position
- 60–60 months · First
- Rows / record date
- 4 rows · September 2, 2026
Private
AVEO+
Smallest displayed row
5.84%
- Term / position
- Term not stated · First
- Rows / record date
- 12 rows · August 11, 2026
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.