CMLS Financial
CMLS Financial mortgage rates — and how to beat the posted rate.
CMLS Financial’s broker-channel rate is typically 15-30 bps below the rate you’d see walking into a branch. We access it as an FSRA-licensed brokerage — and compare it against 50+ lenders so you get the best fit, not just one bank’s sheet.
Rates as of May 13, 2026 · source: editorial rate registry. Personalized rate depends on your file. O.A.C.
5-year fixed
4.19%
Best in our network
5-year variable
4.04%
Best in our network
3-year fixed
4.39%
Best in our network
About CMLS Financial (a broker’s view)
One of Canada's largest independent mortgage finance companies. Active in both residential and commercial, with strong CMHC MLI Select multifamily expertise.
- CMHC MLI Select multifamily
- Commercial mortgages
- Residential A-lending
- Fair-IRD
CMLS Financial mortgage rates — FAQ
What are CMLS Financial's mortgage rates today?
Lenders run two rate sheets — the posted/branch rate and the broker-channel rate. As an FSRA-licensed brokerage we access CMLS Financial's broker-channel pricing, typically 15-30 bps below their posted rate. Your exact rate depends on your file (income, credit, LTV, property).
Is CMLS Financial a good mortgage lender?
One of Canada's largest independent mortgage finance companies. Active in both residential and commercial, with strong CMHC MLI Select multifamily expertise.
Can I get a lower rate than CMLS Financial's posted rate?
Usually, yes. CMLS Financial's broker-channel rate is typically lower than the walk-in rate, and we also compare CMLS Financial against 50+ other Canadian lenders — sometimes another lender prices your specific file better. We shop all of them on one application.
Does CMLS Financial offer rate holds?
Yes — like all major Canadian lenders, CMLS Financial offers rate holds (typically 90-120 days) for pre-approved borrowers. We can submit your file to CMLS Financial for a real underwritten pre-approval.
How do I apply for a CMLS Financial mortgage?
Through a licensed broker you reach CMLS Financial's broker channel directly. Start a no-obligation application with Mortgage Squad Advisors (FSRA #13737) and we'll submit to CMLS Financial — and compare it against the rest of the network — with no bureau pull to begin.